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After Lemma parses an EOB, you need to confirm which bank deposit corresponds to that insurance payment. Lemma helps by automatically surfacing transactions with matching amounts.

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How reconciliation works

When you view a parsed EOB in the Insurance payments table, Lemma searches your recent transactions for deposits that match the EOB’s total payment amount. Matching transactions are displayed alongside the EOB details so you can confirm the connection in one place. This replaces the manual process of:
  1. Reading the total payment amount from an EOB
  2. Opening your bank statement
  3. Searching for a deposit with that amount
  4. Cross-referencing dates and payer names to confirm it is the right one

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Reconciling a payment

1

Go to the EOB section

Navigate to the EOB page and select the Insurance payments tab.
2

Select a payment

Choose a parsed EOB from the list. The detail panel shows the full breakdown — payer, claims, and total amount.
3

Review matching transactions

Lemma displays transactions with amounts that match the EOB’s payment total. Review the transaction details (date, counterparty, amount) to confirm it is the correct deposit.
4

Confirm the match

Once you identify the matching transaction, confirm the reconciliation. The EOB and transaction are linked together for your records.

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Lockbox payments

When an insurance company mails both a check and an EOB to your lockbox, the process is even simpler. The check is deposited automatically and the EOB is parsed automatically. Lemma links the check deposit to the parsed EOB, so many lockbox payments arrive pre-reconciled.

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Tips for reconciliation

  • Check amounts first — the total payment amount is the primary matching criterion
  • Verify the payer — confirm the transaction counterparty matches the insurance company on the EOB
  • Allow for timing differences — a check deposit may settle a few days after the EOB is dated, so the transaction date and EOB payment date may not match exactly
  • Bulk payments — some payers send a single check covering multiple EOBs. In this case, the deposit amount will be the sum of several EOB payment totals