How do I read my explanation of benefits statement?

Who is this for?

Learn more about how to enroll in a UAW Retiree Medical Benefit Trust plan.

If you get benefits through the UAW Retiree Medical Benefits Trust, this information can help you understand how your EOB works.

You'll get an explanation of benefits, or EOB, to help you keep track of how you use your plan. An EOB is not a bill, even though there are dollar amounts listed. You'll get an EOB only if you used your benefits.

The EOB will show you:

  • The services performed and where they were performed
  • What the provider billed
  • What we paid
  • The amount you owe
  • Any services we don't cover as part of your plan
  • Your current deductible and out-of-pocket maximum balances

You'll see a detailed explanation for each section, so it's easy to understand. You'll also get important information about your coverage with tips to lower your health care costs and improve your health.

Review your EOBs online

You can view your EOBs online by logging in to your account at If you don't have an online account, you can register for one. Follow these steps to get started:

  1. After logging in, select Claims in the blue bar near the top.
  2. Select explanation of benefits statements.