How Do I Read My Medicare Explanation of Benefits?

If you have a Blue Cross Blue Shield of Michigan Medicare plan, you'll receive an explanation of benefits, also called an EOB, about once per month. It’s the statement that says This is Not a Bill.

What's an explanation of benefits?

An explanation of benefits is a document that lists every time you used your health insurance and how much it costs. It usually includes:

  • What was billed
  • Any discounts
  • Total amount covered
  • What we pay
  • What you pay

It's important to remember this document isn't a bill.

It's a tool you can use to track your plan usage, and you can use it to make sure you're getting billed accurately.

How do I view my EOB online?

Learn how to view your Medicare EOB online by choosing whether you'd like to view a medical EOB or a prescription EOB.

Note: You'll need to have a registered account with us to do this. If you haven’t created an account yet, register now.

View your medical explanation of benefits by logging in to your online member account.

Once logged in, you should see a list of all your EOBs organized by date, patient and provider. 

View your medical explanation of benefits by logging in to your online member account.

Once logged in, you should see a list of all your EOBs organized by date, patient and provider. 

How to stop getting EOBs in the mail

You can change how you'd like to receive your explanation of benefits. You can choose whether you'd like to receive them online or by mail using Paperless Options.

Or you can call the number on the back of your member ID card, and let us know you want to go paperless. 

Still need help?

We're just a phone call away.

Contact us

Related forms and documents

Medicare Plus Blue PPO EOB Guide (PDF)
Learn how to read your Medicare Plus Blue EOB statements.
BCN Advantage HMO and HMO-POS EOB Guide (PDF)
Learn how to read and understand your BCN Advantage EOB statements.
View all

Was this helpful?

Let us know if we answered your question.