The EOB and the Provider Bill Do Not Match. Reconcile the Lines First

Cost and free path

Cost: Free: one complete local run in this browser, with no account or upload; the tool does not transmit what you enter. Optional $4 one-time convenience unlock for unlimited runs of this tool on this browser; never a subscription. The protective answer and every free-path step remain free.

Rule status (mixed route): Federal route, checked 2026-10-10: CMS's EOB guide separates provider charges, allowed charges, plan payment, and patient responsibility. Appeal routes and deadlines depend on the coverage and the written plan notice.

Automated decision this documents: automated health-plan claim adjudication that assigns an allowed amount, payment, or patient-responsibility figure

Free path, in order (no cost):

1. The health plan's member-services and internal-appeal route (use the card or notice)
2. The provider's billing office, reached through its official statement or website
3. A state Consumer Assistance Program or insurance department, where available

What this cannot do: It cannot decide what care is appropriate, determine coverage, or make a provider or plan change a bill.

Sources checked 2026-10-10 · first-party source pages fetched and reviewed; no separate raw HTTP-status probe.