An EOB is not a bill. It is a summary of your claim and insurance payment. Keep your EOBs for at least one year in case questions arise later.
How to read your EOB
1
Log in to myuhc.com.
2
Go to the Claims section.
3
Click on a processed claim.
4
Open the EOB document.
5
Check the amount billed versus the allowed amount.
6
Check what your insurance paid.
7
Check your balance due, if any.
Frequently asked questions
Is an EOB the same as a bill?
Is an EOB the same as a bill?
No. An EOB is an informational document from your insurer. If you owe money, your provider will send a separate bill.
Why does my EOB show a different amount than my bill?
Why does my EOB show a different amount than my bill?
The EOB shows the negotiated allowed amount, which may be lower than what your provider originally billed. Always compare both documents.
What does patient responsibility mean?
What does patient responsibility mean?
Patient responsibility is the portion of the bill you must pay out of pocket, including copays, coinsurance, and amounts applied to your deductible.
How long do I keep EOBs?
How long do I keep EOBs?
It is recommended to keep EOBs for at least one year, or until any billing disputes or tax questions are fully resolved.
What if I disagree with my EOB?
What if I disagree with my EOB?
Contact member services to discuss the issue. You may need to file an appeal or ask your provider to resubmit the claim with corrected information.
Related guides
Check Claim Status
Track your claims and download EOBs through your online account.
Appeal a Claim
Find out how to appeal a denied claim and submit supporting documents.