Which document should I trust if the amounts are different?

Do not trust either document in isolation. Match the provider, date of service, and claim details, then ask the provider or insurer to explain the difference before paying more than the EOB supports.

Can a provider bill include charges not shown on an EOB?

Yes. Timing, separate providers, pending claims, denied claims, or services not submitted to insurance can all create differences. The reason should be clarified before payment.

Provider Bill vs EOB

A provider bill is the payment request from the doctor, hospital, lab, or facility. An EOB is the insurer explanation of how the claim was processed. Use the EOB to understand the claim math, then compare it with the provider bill before paying.