{"id":"life-hc-eob-what-you-owe","audience":"healthcare","category":"everyday-life","track":"life","technique":"grounding","title":"Find what you really owe on an insurance EOB","free":false,"task":"You're a nurse, but on your own MRI paperwork you're just a patient. Your insurer's Explanation of Benefits has a summary box and a reprocessing note further down. Get exactly 4 numbered lines in plain text, under 90 words: 1. the total you may owe, showing the addition; 2. the MRI line; 3. the radiologist line and what changed; 4. one question to ask the imaging center's billing office before you pay. Use only the EOB's numbers. Write a prompt that gets you exactly that.","materialLabel":"Your Explanation of Benefits (attached to your prompt automatically)","material":"NORTHSTAR HEALTH PLAN - EXPLANATION OF BENEFITS\nTHIS IS NOT A BILL\nMember: Dana Whitfield (fictional) | Member ID: NHP-448210\nProvider: Brookfield Imaging Center | Date of service: 09/12/2026\nClaim #: 26-0912-7731\n\nSUMMARY\nAmount billed: $2,850.00\nYour plan paid: $720.00\nYou may owe the provider: $630.00\n\nSERVICE DETAIL\nLine 1 - MRI lumbar spine without contrast\n  Billed $2,400.00 | Network discount -$1,500.00 | Allowed $900.00\n  Plan paid (80%) $720.00 | Your coinsurance (20%) $180.00\nLine 2 - Radiologist interpretation (Dr. P. Sandoval)\n  Billed $450.00 | Allowed $0.00 | Plan paid $0.00\n  You may owe $450.00 | Remark N130: provider out of network\n\nDeductible: $1,500.00 of $1,500.00 met for 2026\nOut-of-pocket max: $2,210.00 of $4,000.00 met\n\nREPROCESSING NOTICE - 10/02/2026\nLine 2 has been reprocessed. Dr. Sandoval is an in-network provider at Brookfield Imaging Center. New amounts for Line 2: Allowed $200.00 | Plan paid $160.00 | You may owe $40.00. A corrected EOB will follow in 2 to 3 weeks.\n\nQuestions? Call Member Services at 1-800-555-0187.\nAppeal rights: You have 180 days from this notice to file an appeal.","rules":[{"type":"numberedItems","count":4},{"type":"maxWords","max":90},{"type":"plainText"}],"mistakes":[{"title":"Trusting the summary box","why":"The AI reads the big total at the top and repeats $630, missing the reprocessing notice at the bottom.","fix":"Add: \"Use the 10/02 reprocessing notice, not the summary box.\"","checks":["r0","r2"]},{"title":"Not asking for the math","why":"The AI states a total with no working, so you can't check it against the EOB.","fix":"Say: \"Line 1 shows the addition, like $180 + $40 = $220.\"","checks":["r0"]},{"title":"Getting a full insurance lesson","why":"The AI explains deductibles, coinsurance and appeal rights at length instead of what changed on your claim.","fix":"Say: \"Exactly 4 numbered lines, one sentence each. Line 3: what changed on the radiologist line.\"","checks":["numberedItems","r1"]},{"title":"Trusting the AI to count words","why":"AI is bad at counting. Ask for \"under 90 words\" and it often lands well over.","fix":"Cap each line: \"each line one sentence under 18 words.\"","checks":["maxWords"]},{"title":"Leaving the format to the AI","why":"The AI adds a title, bold labels and sub-bullets, which turns a quick note into a page.","fix":"Add: \"Plain text, no bold, no headings, no intro.\"","checks":["plainText","r2"]}],"promptHints":[{"label":"Sets the number of lines","patterns":["\\b(4|four)\\b.{0,20}(lines?|numbered|items?)"]},{"label":"Uses the reprocessing note","patterns":["reprocess","10/02","corrected","latest","not the summary"]},{"label":"Asks for the math","patterns":["addition","show.{0,15}(math|work)","\\$180","\\+"]},{"label":"Asks for a question to the billing office","patterns":["question","billing","ask.{0,20}(imaging|provider|office)"]},{"label":"Sets a word limit","patterns":["\\d+\\s*words","word (limit|count)"]}],"hint":"The total at the top isn't the latest number. Tell the AI which part of the EOB to trust, what each line should hold, and that line 1 shows the math.","rubricLabels":["Line 1 gives the total as $220 with the addition shown ($180 + $40), and the answer never presents $630 as what she owes now","Line 3 says the radiologist line was reprocessed as in network, so it dropped from $450 to $40","Line 4 is one question for the imaging center's billing office that asks them to confirm or wait for the reprocessed claim (the $40 radiologist amount or $220 total) before she pays"]}