Workbook — Health & Insurance · Created October 5, 2026 · 2 min read
Medical Claim & EOB Tracker
One row per explanation of benefits, and a check that each statement adds up against itself.
An explanation of benefits is not a bill, and it is not always right. This keeps every one in a single place, checks the arithmetic on each, and tells you where you stand against the deductible before you schedule anything else.
What This Workbook Does
- One row per EOB, with billed, plan discount, allowed, plan paid, deductible, coinsurance, copay and not-covered.
- A reconciliation column that tests each statement against itself and flags the rows that do not agree.
- A Year Summary showing total billed, the negotiated discount, your total cost, and how much of the deductible and out-of-pocket maximum you have used.
- A flag for anything paid from the HSA, so the two workbooks agree.
How to Use It
- Enter one row per explanation of benefits, not per bill from the provider. The two often differ.
- Use initials in the Patient column rather than full names, so the file stays safe to share with a spouse or an adviser.
- Copy the money columns straight off the statement without rounding.
- Watch the reconciliation column. “OK” means the statement is internally consistent; anything else is worth a phone call.
- Mark Paid from HSA as Y for anything you paid with the health account.
- On the Year Summary, set the plan year and enter your deductible and out-of-pocket maximum from the plan documents.
What It Will Not Do
The reconciliation check tests a statement against itself. It catches transposed digits, missing plan payments and mismatched allowed amounts. It cannot catch a service that was billed under the wrong code.
Where to go next: Insurance Basics — how deductibles, coinsurance and out-of-pocket maximums interact; Medicare Basics — the same reconciliation habit after 65; HSA Contribution & Reimbursement Log — the account these claims are often paid from.