Bill and EOB checker
Updated September 30, 2026 · How we write our guides
How it works
Your bill and your explanation of benefits (EOB) should tell the same story. Enter the totals from each, and this checker compares 4 things: the amount billed, your insurer's discount, what your insurer paid, and what you owe. It shows each gap and what to ask about. Nothing you type is saved or sent.
How to use this checker
Have your bill and the explanation of benefits (EOB) for the same visit in front of you. Match the date of service and the provider first. Then enter the totals from each one. Leave a box blank if you can't find that number.
Not sure which document is which? Our guide to comparing a medical bill and an EOB shows where each number usually appears.
What the results mean
- A gap in the amount billed usually means a charge was added later, appears twice, or is on another claim.
- A short insurer discount means the bill may not reflect the price your plan set.
- A missing insurer payment may just be slow to post. The claim number and date on your EOB help the billing office find it.
- A higher amount due is the one to ask about before you pay. If the provider is in your network, your bill usually shouldn't be more than your share on the EOB.
Does your bill ask for more than your EOB says you owe? Read why a bill can be higher than your EOB for the most common reasons.
Common questions
Where do I find these numbers on my EOB?
Most EOBs show a table for each claim with columns like amount billed, allowed amount, plan paid, and what you owe. The names vary by insurer. Look for totals at the bottom of the table. If you can't find your EOB, check your insurer's website or app, where most claims are posted.
What if my bill only shows a total?
Enter what you can. The checker compares whatever numbers you give it. To compare line by line, ask the billing office for an itemized bill. It lists every charge, and it's the best way to find which line causes a gap between your bill and your EOB.
Does a match mean my bill is right?
A match is a good sign, but it only covers the totals. Your EOB shows what your insurer processed, and your bill could still include a charge for care you didn't get or a service billed twice on the same claim. A quick look at the itemized bill closes that gap.
Do you keep the numbers I enter?
No. The checker runs in your browser. The numbers you type aren't saved, sent to Romi Care, or shared with anyone. When you close or refresh the page, they're gone.
Sources
- Reading your explanation of benefits (EOB), Centers for Medicare & Medicaid Services. Accessed September 30, 2026.
- Health insurance terms you should know, Centers for Medicare & Medicaid Services. Accessed September 30, 2026.
Related guides
- GuideMedical bill vs. EOB: how to compare them line by lineYour bill and your EOB should tell the same story. Here's how to compare them in 20 minutes, with a worked example and what to do if they don't match.
- GuideWhy is my medical bill higher than my EOB?Your bill asks for more than your EOB says you owe? See the usual reasons, a worked example, and the steps to get a corrected bill before you pay.
This is general information, not legal or medical advice. Rules can depend on your plan and your state. Romi Care isn't an insurer, law firm, collection agency, or government program.