Bill vs EOB
My EOB Shows Services I Did Not Receive
An EOB listing services you did not receive is a red flag that may indicate coding error, upcoding, or billing fraud.
Updated August 16, 2026 · 6 min read
Quick answer
If your EOB lists services you did not receive, contact your insurer immediately. This may be a coding error, upcoding, or billing fraud. File a dispute and consider reporting the provider.
Why This Happens
An EOB listing services you did not receive can result from several issues.
- Coding errors - the provider used the wrong code describing a different service.
- Upcoding - the provider billed for a more complex service than what was performed.
- Billing for services not rendered - the provider billed for a service never provided.
- Identity issues - your insurance information may have been used for someone else.
Contact Your Insurer
Call your insurer fraud or member services line. Reference the claim number and explain which services you did not receive. Your insurer will investigate.
Report to Authorities If Needed
If you suspect billing fraud, report it to your state insurance commissioner, your state attorney general, or the HHS Office of Inspector General.
What the research says
Services on an EOB that the patient did not receive may indicate upcoding or billing fraud.
Frequently asked questions
Is upcoding illegal?
Yes. Upcoding - billing for a more expensive service than what was provided - is a form of healthcare fraud.
Will my insurer investigate?
Yes. Health insurers have fraud investigation units that are required to investigate reports of billing fraud.
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