The calculation
What you already paid plus what the provider still wants should reconcile with total EOB patient responsibility.
FREE MEDICAL BILL CHECKER
Does your medical bill match your EOB?
Enter the current balance from your provider bill and the patient responsibility from your matching EOB. Add anything you already paid, and Steward shows any unexplained difference.
FreeNo accountNo document uploadAmounts stay in your browser
YOUR RESULT
The comparison will appear here.
The checker adds what you already paid to what the provider still wants, then compares that total with the EOB patient responsibility.
Already paid+Still due−EOB responsibility
WHAT THE CHECK MEANS
One useful comparison, with clear limits.
A difference needs review
A higher provider total can come from a missing insurance adjustment, an uncredited payment, an early bill, or mismatched documents.
Matching totals are not a full audit
Line items, duplicate services, codes, denials, network status, and coverage decisions require the actual documents.
CMS recommends comparing the provider bill with the EOB patient balance, checking detailed line items, and looking for duplicate or undocumented services. Read the CMS bill-error guidance →
QUESTIONS
Using the medical bill checker
Which number should I use from my EOB?
Use the total labeled Patient Balance, What You Owe, Your Share, or Patient Responsibility on the latest completed EOB for this care. Do not use Provider Charges or Allowed Charges.
What counts as a payment already made?
Include copays, deposits, and other payments you made directly to this provider for the same care. Do not include the amount your insurer paid.
Does a matching total mean the bill is correct?
No. This tool checks three totals only. A bill can still contain duplicate services, incorrect codes, a wrong network status, a coverage denial, or care you did not receive.
What if I do not have an EOB?
Ask your health plan whether the provider submitted the claim and whether a completed or revised EOB is available. If you did not use insurance, compare the bill with your written good faith estimate instead.
Are the amounts I enter saved?
No. The comparison is calculated in your browser. This form does not send or store the amounts and does not ask for names, providers, diagnoses, account numbers, or claim numbers.
Found a difference? Steward handles the next step.
Upload the bill and EOB. Steward checks the documents, contacts the provider or insurer, files the supported dispute or correction, and follows the response.
This checker provides general information, not legal, medical, or insurance advice. Separate bills, revised EOBs, plan terms, and the facts of a claim can change the result.