EOB Data

EOBs (Explanation of Benefits)

EOBs: The GOLD Standard for Contractual Allowed Amounts

 

EOBs are the single most accurate and current source of negotiated reimbursement data available in the market — guaranteed.  

FlexPoint is the only company in the U.S. that procures Explanation of Benefits (EOB) documents 100% directly from patients — delivering validated, real-world data that reflects exactly what insurers pay providers today.

EOBs are the definitive tool for validating Machine-Readable Files (MRFs) and other datasets.  When MRFs are inaccurate, incomplete, outdated, or unavailable entirely,  FlexPoint builds complete datasets from EOBs alone — ensuring you never lose visibility into how reimbursement rates compare across insurers and providers.  

Whether you’re verifying existing benchmarks or filling critical data gaps, EOBs deliver a level of accuracy and completeness that no other method can match. 

 

Why FlexPoint EOB Data is Unique:

 

Data Attributes

 

FlexPoint Data

 

Validity

 

 

Validated – actual EOBs (stripped of PHI) provided to client.  EOBs serve as irrefutable, concrete evidence in negotiations.

 

 

Age / DOS

 

Current – guaranteed more current than any other data source.  DOS within last 30 days.  Time period customization available (last 1, 3, 6, 12, 18, or 24 months).

 

 

Accuracy

 

100% Guaranteed Accurate.

 

 

Granularity

 

EOB line-item detail.  Specific by insurer (PPO vs. HMO), provider (Tax ID/NPI), and reimbursement methodology. 

 

Sample:

Inpatient (Hospital Facility)

FlexPoint Health — Inpatient DRG EOB Illustration

Same payer. Same base rate. Two DRG weights — plus carve-outs for high-cost drugs and implants.

The EOBs below are a digital representation for illustration purposes only — created to show exactly what FlexPoint’s data reveals. In practice, FlexPoint delivers scanned copies of the actual underlying patient EOBs, procured directly from patients and stripped of all protected health information (PHI) prior to delivery.

Both claims share the same contracted base rate of $15,750.00, multiplied by the 2026 MS-DRG relative weight for each DRG. Carve-out payments for high-cost drugs (RC 636) and implants (RC 278) are paid in addition to the weighted base — and are only visible in an actual EOB.

Nationwide Health Plan
PPO Plus — Group Coverage
Explanation of Benefits
This is not a bill
Member
REDACTED
EOB date
04/18/2026
Claim #
CLM-2026-00761433
Provider
Regional Medical Center
NPI
1122334455
Tax ID
45-6789012
DOS
04/02–04/05/2026
LOS
3 days
MS-DRG Weight Calculation — FFY 2026
DRG 251 — Perc cardiovasc proc w drug-eluting stent w/o MCC
Contracted base rate
$15,750.00
× 2026 MS-DRG relative weight
1.4945
DRG weighted base allowed
$23,538.38
RC Description Billed Contractual adj. Allowed
DRG 251 Perc cardiovasc proc w DES w/o MCC $84,200.00 $60,661.62 $23,538.38
RC 636 High-cost drugs — IV heparin & contrast $4,800.00 $960.00 $3,840.00
RC 278 Implant — drug-eluting coronary stent $9,500.00 $1,425.00 $8,075.00
Totals $98,500.00 $63,046.62 $35,453.38
Reimbursement breakdown
DRG 251 weighted base ($15,750 × 1.4945)
$23,538.38
RC 636 drug carve-out ($4,800 billed — 80%)
$3,840.00
RC 278 implant carve-out ($9,500 billed — 85%)
$8,075.00
Total allowed
$35,453.38
Reimbursement methodology
DRG Weighted Base Rate + Carve-outs
$15,750 × 1.4945 = $23,538.38  |  RC 636 @ 80% of billed  |  RC 278 @ 85% of billed
Plan
PPO
Commercial
Billed
$98,500
Total charges
DRG base
$23,538
Weighted
Total allowed
$35,453
w/ carve-outs
Nationwide Health Plan
PPO Plus — Group Coverage
Explanation of Benefits
This is not a bill
Member
REDACTED
EOB date
05/09/2026
Claim #
CLM-2026-00884712
Provider
Regional Medical Center
NPI
1122334455
Tax ID
45-6789012
DOS
04/24–04/26/2026
LOS
2 days
MS-DRG Weight Calculation — FFY 2026
DRG 470 — Major joint replacement or reattachment of lower extremity w/o MCC
Contracted base rate
$15,750.00
× 2026 MS-DRG relative weight
1.9289
DRG weighted base allowed
$30,380.18
RC Description Billed Contractual adj. Allowed
DRG 470 Major joint replacement w/o MCC $68,400.00 $38,019.82 $30,380.18
RC 636 High-cost drugs — tranexamic acid & anticoag $2,200.00 $440.00 $1,760.00
RC 278 Implant — total knee prosthesis system $18,600.00 $2,790.00 $15,810.00
Totals $89,200.00 $41,249.82 $47,950.18
Reimbursement breakdown
DRG 470 weighted base ($15,750 × 1.9289)
$30,380.18
RC 636 drug carve-out ($2,200 billed — 80%)
$1,760.00
RC 278 implant carve-out ($18,600 billed — 85%)
$15,810.00
Total allowed
$47,950.18
Reimbursement methodology
DRG Weighted Base Rate + Carve-outs
$15,750 × 1.9289 = $30,380.18  |  RC 636 @ 80% of billed  |  RC 278 @ 85% of billed
Plan
PPO
Commercial
Billed
$89,200
Total charges
DRG base
$30,380
Weighted
Total allowed
$47,950
w/ carve-outs
Base rate confirmed: $15,750.00 — applied consistently across DRG 251 (×1.4945) and DRG 470 (×1.9289) with RC 636 @ 80% and RC 278 @ 85% of billed
Two different patients, two different DRGs — the same contracted base rate and carve-out methodology appear on both EOBs. This is the contractual structure no MRF can reveal. Only FlexPoint delivers it.