Medical bills can be confusing, especially when the amount a healthcare provider says you owe doesn't match the amount your health insurer says is your responsibility.
For someone trying to understand what happened, figuring out the difference can mean navigating insurance terminology, comparing statements and contacting a provider to ask questions.
That's the problem I built EOBCheck to help with.
Website: https://www.eobcheck.online/
The problem: Your medical bill and EOB don't always agree
After processing an insurance claim, your insurer sends an Explanation of Benefits (EOB). It describes the claim, the amount the insurer allows, what it paid and what it calculates as your responsibility.
An EOB is not itself a bill.
However, comparing it with the bill from your healthcare provider can sometimes raise questions.
For example, imagine your provider's bill says you owe $1,842, while your EOB lists your patient responsibility as $1,126.
That's a difference of $716.
There may be a legitimate explanation. Perhaps the claim was processed at a different time, multiple claims were involved, or a payment hasn't been reflected yet. But it's reasonable to want to understand the discrepancy before proceeding.
The difficulty is knowing where to start.
What is EOBCheck?
EOBCheck is a browser-based tool that compares medical billing figures with the corresponding insurance EOB.
The goal is to make the comparison easier to understand and help people prepare a clear question for their healthcare provider when something doesn't add up.
Here's how it works.
- Enter your medical bill details
Start with the amount your provider says you owe. You can also enter the total billed amount and other relevant details.
- Enter the figures from your EOB
Add the insurer's patient responsibility, allowed amount, insurance payment and other requested figures.
For the free check, you only need the main totals. Itemized details are optional.
- Review the reconciliation
EOBCheck compares the amount owed on the provider's bill with the patient responsibility shown on the EOB.
It flags the difference and provides a plain-English explanation rather than expecting you to interpret every number yourself.
A flagged difference is not automatically proof of a billing error. It is a reason to investigate and ask questions.
- Generate a dispute letter
EOBCheck prepares a letter based on the figures you entered. You can review and edit it before downloading or sending it to your provider.
The purpose is to make it easier to ask for a written explanation or correction when appropriate.
Privacy was an important part of the design
Medical billing information is sensitive. People should be able to examine their numbers without unnecessarily sharing them with another service.
EOBCheck processes the figures entered into its reconciliation tool locally in the browser. The free tool does not transmit those entries to a server.
The paid document-processing features also process uploaded bill and EOB files locally in the browser.
There's no account required to start the free reconciliation.
I wanted the experience to be straightforward: bring your documents, enter the relevant information, review the results and decide what to do next.
What can you do with EOBCheck?
The product currently offers different options depending on the complexity of the billing situation.
- Free: Compare one bill with one EOB, review the reconciliation flags and generate a dispute letter.
- Full Report: Get itemized reconciliation, a Good Faith Estimate check, document-assisted amount entry and a more detailed editable letter.
- Complex Bill: Reconcile multiple bills or providers and produce a combined variance summary with separate letters where needed.
For uninsured or self-pay patients, EOBCheck also includes a check related to the federal $400 Good Faith Estimate dispute threshold. Meeting that threshold alone does not establish eligibility; additional requirements apply.
The intention is to provide a useful starting point for understanding billing discrepancies, not to replace professional advice or guarantee that a bill will be reduced.
Why I built it
I wanted to make a frustrating administrative task more manageable.
People shouldn't have to become experts in insurance terminology just to compare two statements and identify a question worth asking.
A simple comparison, a clear explanation and a letter they can edit may help them approach that conversation with more information.
That's the idea behind EOBCheck: make medical billing reconciliation more accessible, keep the process simple and give people a practical next step when their numbers don't match.
The product is available now at:
You can try the free reconciliation without creating an account.
I'd be interested in hearing from people who have dealt with medical billing discrepancies: What was the hardest partâunderstanding the EOB, finding the discrepancy, or getting a clear answer from the provider?
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