Match the basics first
Check the patient, provider, date of service, procedure description, and code. If a tooth or service looks unfamiliar, ask the office for the clinical note and itemized statement before assuming the EOB is correct.
Your dental EOB is not a bill
An Explanation of Benefits shows how a claim was processed. It helps you compare what the dentist submitted, what the plan allowed, and what the office may bill you.
Reviewed September 9, 2026 · About 5 minutesRead each money column
The submitted charge is what the office billed. The allowed amount is the plan's negotiated or recognized amount. The plan payment is what insurance says it paid. The patient responsibility may include deductible, coinsurance, copay, non-covered services, or amounts above plan limits.
When the office bill and EOB disagree
Do not ignore either document. Ask the office for a ledger showing charges, insurance payments, adjustments, and your payments. Then call the plan using the number on your member card. Keep names, dates, reference numbers, and copies of anything submitted.