It's important to understand the Explanation of Benefits (EOB) letters sent by your insurance company after your visits. The EOB is not a bill—it helps you understand the amount your health plan covers and what you owe.

Here’s what the EOB includes:

• Provider Charges: This is the total amount billed by the provider for your visit.
• Allowed Charges: The amount the provider will actually be paid, as determined by your insurance plan.
• Paid by Insurer: The portion of the allowed charges that your health insurance plan has agreed to pay the provider.

The EOB breaks down the cost of care and shows you what portion of the bill is covered by insurance, and what you may still need to pay after your visit.