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Explanation of Explanation of Benefits (EOB)

By Jill Hamilton on March 24, 2015 in Insurance

Explanation of Explanation of Benefits (EOB)

You've got mail!

What could it be? It came from an insurance company, so it must be important, right? Thankfully it's not a bill, but it still contains important information.

An Explanation of Benefits (EOB) is a piece of paper or electronic document you receive from an insurance company (Delta Dental of Iowa or another provider), describing the services provided, the benefits your plan covers, and the payment made by Delta Dental of Iowa or another provider.

So, what should you do when you get an EOB? First, review it carefully to make sure it has your correct name and plan information.

An EOB will tell you:

  • Treatment performed (description of procedures)
  • Dentist or doctor fees
  • Insurance company payment
  • Amount you might owe (such as deductibles, coinsurance and non-covered services)
  • Coordination of Benefits (COB) information, if applicable
  • Portion of annual maximum used and the amount paid toward deductible in the current benefit year.

If you paid your dentist directly, the EOB might come with a check. After you get your EOB, you'll know what (if anything) you owe your dentist. But don't worry — that bill will come directly from your dentist.

If you have questions about your EOB, or believe that your claim wasn't resolved properly, contact your plan provider. If you're a Delta Dental of Iowa subscriber, call 1 (800) 544-0718 or visit