Explain My EOB (Explanation of Benefits)
Upload any EOB and get a clear, plain-English explanation of what it means — including costs, insurer decisions, and next steps.
Upload Your EOBWhat is an EOB?
An Explanation of Benefits (EOB) is a statement from your insurance company that outlines how a claim was processed. It shows what was billed, what was covered, what the insurer paid, and what (if anything) you may owe.
The problem? EOBs are famous for being hard to understand — especially when codes, adjustments, and coverage rules aren’t explained clearly.
DocumentDecoder makes EOBs simple
- Breaks down confusing billing codes
- Explains insurer adjustments
- Clarifies what you actually owe
- Identifies potential errors or red flags
- Shows next steps you may take
- Pro users get deeper analysis and appeal-ready insights
How it works
- Upload your EOB — PDF or copied text.
- DocumentDecoder explains every section in plain language.
- See key takeaways like coverage details, denials, and costs.
- Understand next steps such as billing questions or appeals.
- Generate a professional appeal letter if your EOB includes a denial (Pro).
What your EOB explanation may include
- What the provider billed
- What the insurer allowed
- Why adjustments were made
- Cost-sharing amounts (copay, coinsurance, deductible)
- Reasons for partial or full denial
- Recommended next steps
- Items to question your provider or insurer about
Sample EOB breakdown (excerpt)
This is a fictional example. Your explanation will be based on your actual EOB.
“Your EOB shows that the provider billed $1,240 for CPT 29881. Your plan’s allowable amount is $740, meaning $500 was reduced as part of your insurer’s contracted discount. You are responsible for $148 coinsurance because your deductible has been met. No denial or additional action is required.”
Common EOB problems we help explain
- “Why do I owe this amount?”
- “What is an adjustment code?”
- “Was this denied or processed correctly?”
- “Why is the insurer saying it’s not covered?”
- “What does this billing code mean?”
- “Is this balance bill legitimate?”
Why EOBs matter
Many patients either ignore EOBs or misunderstand them — which can lead to overpaying or missing opportunities to correct billing errors. DocumentDecoder helps you understand exactly what's happening so you can make informed decisions.
Important Notes
DocumentDecoder offers educational explanations of EOBs using the text you upload. It does not provide legal or medical advice and does not replace your insurer’s official guidance. Always verify details before taking action on a claim or bill.