Short, honest explainers from your side of the desk. No signup here, ever.
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An EOB is not a bill — the one line that matters
Your insurer's Explanation of Benefits looks like a bill and scares people into paying twice. Here's what it actually is, and the single line to read first.
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- Getting your records — and the 30-day clock
Navigate · Under HIPAA you have the right to your own records, and providers have 30 days to respond. Here's how the right of access works and what to do if the clock runs out.
- Deductible vs copay vs coinsurance, by consequence
Understand · Three words that decide what you actually pay. Here's each one in plain English, and how they stack up over a year.