Understanding Your Explanation of Benefits

After your insurance has processed your claim, they will send you, or the primary subscriber, an Explanation of Benefits (EOB). This document is not a bill. Most insurance companies also provide the option to view EOBs online.

An EOB details the medical services you received, the amount paid by your insurance, and your financial responsibility as determined by your health insurance. Your financial responsibility will be owed to your medical provider, not your insurance company.

If you are insured and we can file a claim with your health plan, University Health Services will not send charges to your "What I Owe" account until we receive the provider version of your EOB. This document outlines the amount your insurance allows us to charge you. Claim processing can take up to 30 days. However, we will contact you if we encounter issues reaching your health insurance.

Please note: Subsidy adjustments (discounts on certain services provided to UT students as part of their tuition) are not reflected in your EOB from your health plan, as this is an agreement between you and University Health Services.

For those with insurance, subsidy adjustments are applied after we receive the EOB from your health plan and before charges are sent to your "What I Owe" account.