An Explanation of Benefits, or EOB, is a communication from the insurance company that outlines the reimbursements and amounts of coverage available for services from a medical provider, either in- or out-of-network. An EOB is not a bill; rather it lets you know what to expect in terms of your benefits coverage. It may or may not correspond to the bill you receive from Baptist Health ER & Urgent Care. Because there is no obligation to “pay” an EOB, we recommend setting it aside and waiting until you’ve received our invoice to understand your financial liability. If you have questions regarding your bill, we will be glad to answer them.