What does an Explanation of Benefits (EOB) actually explain?

I recently had some physical therapy for a minor injury. Since the office forgot to charge my co-pay the first time I went in I received a so-called Explanation of Benefits (EOB) from my insurance carrier, BlueCross BlueShield of Massachusetts.� EOBs are a holdover from the mainframe era: arcane, inflexible reports that are hard to [...]

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