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Daily UpdatesJournal

Health · Explainer

How to read an explanation of benefits without losing an afternoon

The form that follows a doctor’s visit is not a bill, but it is the best tool for checking one.

By Ruth Calloway

Published

6 min read

Hands holding reading glasses over insurance and benefits statements.
Insurance statements arrive weeks after care, often before the bill itself.

An explanation of benefits shows what a provider charged, what the plan allowed and what the patient may owe. Matching it against the eventual bill catches common errors.

The form that follows a doctor’s visit is not a bill, but it is the best tool for checking one.

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About the author

Ruth Calloway · Health Costs Writer

Ruth Calloway writes about how households pay for medical care, from insurance statements and prescription costs to Medicare plan choices.