Free Medical Bill and EOB Tracker

Medical bills often arrive before the insurance paperwork, and the amounts do not always match. This workbook keeps every bill, Explanation of Benefits (EOB), call, and payment in one place and shows what needs your attention next. Use the Excel workbook or a Google Sheets copy. Free. No email required.

What it tracks

  • Each bill next to the insurer's EOB, with a Match or Review flag

  • Claim status as reported, and follow-ups with due dates

  • Payments, refunds, and how each bill was resolved

  • Calls and letters: who you spoke to and what they said

  • Documents you have or still need, plus billing and claims contacts

  • A dashboard of open bills and overdue follow-ups, and a year summary for a spouse, caregiver, or tax preparer

How to start

  1. Open Start Here. It takes about 10 minutes.

  2. Add household initials or nicknames in Settings.

  3. Log each bill with its own Bill ID, such as B001, then add the EOB amount when it arrives.

  4. Check the Dashboard for the next best action on each bill.

Before you pay a bill you question

Ask the provider for an itemized bill and compare it to the EOB. Call the member services number on your insurance card with questions about how a claim was processed. Many hospitals have a patient advocate or financial counselor who helps at no cost. For Medicare questions, call 1-800-MEDICARE (1-800-633-4227).

Help keep this accurate

If something in this tool is confusing, broken, or missing, send me a note. Include the tool name and what to change. Please never include your Social Security number, member or account numbers, or medical details.

Version 1.0. October 2026.

The fine print

This is an unofficial organizing tool. Mission-Ready Tools is not affiliated with any insurer, provider, or government agency. Claim statuses are what the organization reported; the tool does not decide coverage, what you owe, or whether a bill is correct. Nothing here is legal, medical, tax, or financial advice.

More free tools

Built by Brian Mongold, retired Chief Master Sergeant. Helping an older parent? Use the Senior Benefits Navigator. See more Everyday Life tools or all free tools, or start with the free EASIER toolkit for any problem at work or home.