Understanding Your Explanation of Benefits (EOB)
A guide to reading your insurance EOB after a psychological evaluation or therapy session at Twilight Psychology.
After receiving services at Twilight Psychology, you may receive an Explanation of Benefits (EOB) from your insurance company. This document can look confusing at first glance — here is a plain-language breakdown of what it means.
What Is an EOB?
An EOB is not a bill. It is a summary sent by your insurance carrier that explains how a claim was processed. It tells you:
- What services were billed
- What the insurance allowed (the “contracted rate”)
- What the insurance paid directly to us
- What you may owe (your deductible, co-pay, or co-insurance)
Key Fields to Look For
| Field | What It Means |
|---|---|
| Service Date | The date of your appointment |
| Billed Amount | Our standard charge before insurance adjustment |
| Allowed Amount | The negotiated rate with your insurance |
| Plan Paid | What your insurance covered |
| Your Responsibility | What you owe out of pocket |
When Will You Receive a Bill From Us?
Our billing team sends statements after your insurance has processed the claim. If you see an amount under “Your Responsibility” on your EOB, expect a corresponding statement from our office.
Questions?
If anything on your EOB does not match what you expected, please contact our administrative team before paying any amount. Billing errors do occur, and we are happy to help you review.
Learn More
- Understanding Health Insurance — A breakdown of commercial plans, Kentucky Medicaid MCOs, and Medicare and how each type affects your coverage.
- Fees & Pricing — View our current self-pay rates for evaluations, therapy, and medication management.
- Accepted Insurance Plans — Confirm whether your provider is in our network.
- Contact Us — Reach our billing team with questions about a specific claim or statement.