# Understand a medical bill or insurance explanation of benefits

Decodes a confusing medical bill or EOB line by line, spots possible errors, and prepares your calls.

- Topic: Personal Life & Wellbeing
- Framework: RTF
- Level: Standard
- Tags: Plan, Explain & Teach, Fill-in Template
- Source: https://www.thinkwithprompt.com/prompts/understand-a-medical-bill-or-insurance-explanation-of-benefits

## Prompt

```text
Help me understand a medical bill and my insurance statement.

**Bill details:** [PASTE LINE ITEMS - dates, codes, descriptions, charges]
**Explanation of benefits (EOB) from my insurer:** [PASTE - billed, allowed, paid, my responsibility, denial codes or notes]
**What care I actually received:** [VISIT, TESTS, PROCEDURES, DATES]
**My plan basics, if known:** [deductible, copay, coinsurance, out-of-pocket max, in- or out-of-network]
**What confuses or worries me:** [DETAILS]

Steps:
1. Explain each line in plain language and match bill lines to EOB lines.
2. Define the terms on my documents (allowed amount, adjustment, deductible, coinsurance).
3. Flag things worth questioning: duplicate charges, services I don't recall, dates that don't match, out-of-network charges at an in-network facility, a bill that doesn't match the EOB's "you owe" amount.
4. Do the math using only my numbers and show it.

Return:
- A line-by-line table: service | billed | insurer paid | I owe | match or question.
- A list of questions for the provider's billing office and for my insurer.
- Short call scripts, plus what to ask for (itemized bill, payment plan, financial assistance, and how to file an appeal if a claim was denied, with the deadline marked [CONFIRM WITH INSURER]).

Don't assume rules that depend on my plan or location - mark them [CONFIRM WITH INSURER]. This is general information, not legal or financial advice.
```

## What to fill in

- PASTE LINE ITEMS - dates, codes, descriptions, charges
- VISIT, TESTS, PROCEDURES, DATES
- DETAILS
- CONFIRM WITH INSURER

Free to copy and use. From ThinkWithPrompt (https://www.thinkwithprompt.com/), a library of 2,663 curated AI prompts.