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What does your EOB actually say?
Paste the text from your Explanation of Benefits. You’ll get what was billed, what insurance paid, what was written off by contract, and what is genuinely yours to pay — in plain English.
Questions people ask about their EOB
- What is a contractual adjustment on an EOB?
- It is the difference between what your provider billed and the lower rate your insurer negotiated with them. It is written off by contract. It is not a denial and it is not a balance you owe — the most common mistake is reading it as one.
- Why does my EOB say I owe money when I have insurance?
- Usually because a deductible has not been met yet, or the plan applies a copay or coinsurance. That is patient responsibility, and it is different from a claim being denied. The line codes on your EOB tell the two apart, which is what this tool reads.
- Is my data stored?
- No. Identifiers are removed before any model sees the text, the model runs on GetMax's own servers rather than a third-party AI provider, and nothing is written to a database.
- Can you tell me whether my bill is correct?
- No, and anyone who says they can from an EOB alone is guessing. This tells you what the EOB says, in plain English, and flags what looks appealable. Whether the underlying charge was right is a conversation with the provider.