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EOB vs. Your Medical Bill: What You Really Owe

Medical bills can be confusing, especially when you receive an Explanation of Benefits (EOB) from your insurance company. Many people think the EOB is a bill—but it’s not. Here’s what you need to know.

What Is an EOB?

An EOB is not a bill. It’s a summary from your insurance company explaining:

  • What services were billed
  • What your insurance covered
  • Any discounts or adjustments
  • An estimate of what you might owe

What About Your Actual Bill?

Your actual bill comes from Ally Medical and shows the exact amount you owe after insurance payments and adjustments. It includes:

  • A breakdown of your services
  • What insurance paid
  • Your final balance

Key Differences

  • The EOB is not a bill—it’s for reference only
  • Your bill comes from Ally Medical and reflects the amount you actually owe
  • Wait for your bill before making any payments

What to Do Next

When your bill arrives, you can pay online, by phone, or by mail. If needed, we offer financial assistance.

Still have questions? Our billing team is here to help—just give us a call.

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