This is a real EOB from my insurance company for an offce visit I had with a physician specialist. You can see that the date of service was September 22, 2009. The charge or “sticker price” was $170. The insurance company allowed $145.60. This means the “insurance discount” was $24.40. I had a $25 copay for specialist offce visits, so the insurance company paid the difference between the allowed amount ($145.60) and my copay of $25. $170 sticker price - $24.40 insurance discount = $145.60 allowed amount. $145.60 allowed - $25 copay = $120.60 insurance company payment.