Protecting Hawaii’s Kūpuna Since 1997

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Tips for Protecting Yourself and Medicare

What is a Medicare Summary Notice (MSN)?

Beneficiaries enrolled in Original Medicare (Parts A and B) receive Medicare Summary Notices (MSNs). Medicare only mails MSNs every three months, but you can view your MSNs 24 hours a day by visiting Medicare’s website at

It allows beneficiaries in Original Medicare to create or log into a secure Medicare account to view their most recent MSNs, track claims made on their behalf, and check payment status. Creating a free, secure account with Medicare allows you to review all bills processed within the past 36 months.

What is an Explanation of Benefits (EOB)?

Beneficiaries enrolled in Medicare Advantage (Part C) plans or Medicare Prescription Drug Plans (Part D) receive Explanations of Benefits (EOBs). EOBs are mailed monthly if services are received; however, beneficiaries can check with their plan to see if they have an online service for accessing claims made on their behalf and payment status.

What do MSNs and EOBs Explain?

Using Your MSN or EOB to Detect Fraud, Errors and Abuse

This project was supported, in part by grant number 90MPPG0104, from the U.S. Administration for Community Living (ACL), Department of Health and Human Services, Washington, D.C. 20201. Grantees undertaking projects under government sponsorship are encouraged to express freely their findings and conclusions. Points of view or opinions do not, therefore, necessarily represent official ACL policy.

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