What is your definition of explanation? UHC has their definition which is not in any dictionary I know. I just wanted to know what each line item charge was for - that's all. It took me three times on hold to get ahold of a "specialist" to finally tell me that their "Explanation of Benefits" (EOB) does not fully explain the charges. Further, they will not tell you what the charges are unless you spend an hour out of your day to go through their horrible voice-jail, then go from agent to agent to finally find out! This is their policy! They try to blame this on "privacy" protections! Then, because you are transferred, you cannot rate their service on the "#9" option at the end of the call. So this means most will not complain! And they over charge everyone in America for this amazing disservice! They tell me to go to my doctor and ask what the charges are for! This is like going to the grocery store, going home and looking at the receipt and seeing "food" repeated for each dollar amount listed! Excuse me, but what part of "Explanation" is it that they don't get?