About EOB Decoder

Our Mission

Medical billing in the United States is needlessly complex. Patients regularly receive confusing Explanation of Benefits (EOB) documents they can't decipher, bills that contain errors they don't know how to challenge, and correspondence from insurers written in opaque jargon. EOB Decoder exists to level the playing field — giving ordinary patients the information and tools they need to understand, question, and dispute their bills.

Studies show that up to 80% of medical bills contain errors, and the average overcharge on a hospital stay exceeds $1,000. Most patients never dispute these charges because they don't know how. EOB Decoder helps change that.

Our Tools

EOB Decoder

Paste in the text from your Explanation of Benefits document and get a plain-English breakdown of what it means — what your insurance paid, what you owe, and why. Powered by AI and free to use.

Dispute Letter Generator

Generate a professional dispute letter to send to your insurer or provider. Fill in the details of your situation and get a clear, well-structured letter ready to send.

Billing Error Checklist

Work through a comprehensive checklist of the most common medical billing errors. Identify specific problems on your bill so you know exactly what to dispute.

Who Built This

EOB Decoder is built and maintained by an independent developer. It is not affiliated with any insurance company, hospital system, or healthcare provider. We have no financial relationship with any party involved in medical billing.

A Note on Our Tools

Our tools use AI to help you understand your bills and draft disputes. They are for informational purposes only and are not a substitute for legal or professional advice. For complex disputes — especially those involving large sums or potential legal action — we recommend consulting a licensed healthcare advocate or attorney.

Get in Touch

Questions, feedback, or ideas? We'd love to hear from you. Email us at amitsharma00261@gmail.com or visit our Contact page.