Skip to main content
Integrity Health Solutions
Insurance Tips

How to Read Your Medicare Explanation of Benefits (EOB)

Your Medicare Explanation of Benefits (EOB) tells you exactly what Medicare paid and what you owe — but it can be confusing. Here's how to read it and what to do if something looks wrong.

Jill Syfrett·January 26, 2026·5 min read

This article is currently being finalized. Check back soon for the full EOB guide.

What This Article Will Cover

  • What an EOB is and why it's not a bill
  • Key sections of a Medicare EOB: provider, service, billed amount, Medicare-approved amount, what Medicare paid, what you owe
  • How to check for billing errors and fraud
  • What to do if you disagree with a Medicare claim decision
  • How Medicare Advantage EOBs differ from Original Medicare MSNs
  • Keeping records: how long to save your EOBs
  • Reporting Medicare fraud: 1-800-MEDICARE and the OIG hotline

Confused by a Medicare bill or EOB? Book a free consultation.

Have questions about your coverage?

Our team offers free, no-pressure consultations for Florida residents. We compare every option available in your county.