# EDI X12 271 Eligibility & Benefit Response Parser
> Extract copays, remaining deductibles, out-of-pocket maximums, and in-network coverage terms from 271 EDI response streams.

- **Canonical URL:** https://stanzaapi.com/tools/x12-parser/transaction/271-eligibility-response
- **Governing Standard:** ANSI ASC X12 Standards (005010) (Accredited Standards Committee X12 / HIPAA 5010)
- **Latency:** <3ms Edge
- **Privacy:** In-memory execution only (zero data stored or logged)

## Technical Overview & Governing Rules
The ANSI X12 271 transaction is returned by payers to deliver detailed coverage confirmation, copay amounts, coinsurance percentages, and deductible balances.

Iterates over EB (Eligibility or Benefit Information) segments mapping coverage level (Individual/Family), network indicator (In-Network/Out-of-Network), and financial amounts.

Extracts MSG message notes, DTP plan effective/termination dates, and REF group/policy numbers.

## Specification Matrix
| Segment | Description | Key Elements Extracted | Usage |
| --- | --- | --- | --- |
| EB | Eligibility / Benefit Info | EB01 (1=Active, 6=Inactive), EB02 (Coverage Level), EB03 (Service Type), EB06 (Time Qualifier), EB07 (Amount), EB08 (Percent) | Core benefit values |
| DTP | Benefit Dates | DTP01 (291=Plan Begin, 292=Plan End), DTP03 (Date) | Effective coverage window |
| REF | Policy Identification | REF01 (18=Plan Number, 6P=Group), REF02 (ID) | Group and policy tracking |
| MSG | Payer Message Text | MSG01 (Freeform benefit clarification notes) | Payer guidelines |

## Standard JSON Response Model
```json
{
  "transactionSet": "271",
  "coverageStatus": "ACTIVE",
  "plan": {
    "groupNumber": "GRP-99881",
    "effectiveDate": "20260101",
    "terminationDate": "20261231"
  },
  "benefits": [
    {
      "serviceType": "30 (Health Benefit Plan)",
      "benefitType": "Active Coverage",
      "inNetwork": true
    },
    {
      "serviceType": "1 (Medical Care)",
      "benefitType": "Co-Payment",
      "amount": 25,
      "inNetwork": true
    },
    {
      "serviceType": "30 (General)",
      "benefitType": "Deductible Remaining",
      "amount": 350,
      "coverageLevel": "IND"
    }
  ]
}
```

## Frequently Asked Questions & Edge Cases
### Q: How are copays and coinsurance parsed in 271?
**A:** EB01 code B indicates Co-Payment (with currency amount in EB07); code A indicates Co-Insurance (with percentage in EB08).