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After an insurer processes a claim, it sends you an Explanation of Benefits ("EOB") -- even if the insurer decides not to pay the claim.

EOBs usually contain identifying information, processing details and information about the amount that was billed, the amount the insurer paid, and the amount left for you or another insurer to pay.

An EOB should arrive within four to six weeks after incurring the charge. The arrival time can vary depending on how quickly the doctor bills the insurer and whether the information is complete in the first filing. 

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