Is an Explanation of Benefits a bill?

No. An Explanation of Benefits, often called an EOB, is a form you get from your insurance company. It lists the services and treatments you received and how much of the cost your plan paid under your policy. It is not a bill, so you do not send payment based on an EOB.

A separate bill may come from the hospital or doctor's office. The National Cancer Institute suggests matching each bill you receive to the EOB from your insurance company. If the two do not match, or something looks wrong, it is your right to ask about the difference. Keeping your EOBs in one place makes it easier to check that your bills are correct and to spot any billing problems early.