Paste your medical bill — AI detects duplicate charges, upcoding, and common errors, then generates a dispute letter.
This tool detects common billing errors using pattern matching and is not a substitute for professional medical billing review. Always verify charges with your healthcare provider and insurance company.
Medical bills are coded with CPT (Current Procedural Terminology) codes, and billing errors are common. Three patterns this tool looks for: duplicate charges (the same CPT code billed more than once — the sample bill lists CPT 80053 twice, a $180 overcharge), upcoding (a higher, more expensive visit level than the service supports, e.g. 99285 when 99284 fits), and unbundling (separately charging for services normally bundled into a single fee, like an EKG that belongs with an ER visit). Beyond the errors, the calculator can split the corrected total by insurance: you pay your remaining deductible first, then coinsurance on the rest, capped by your out-of-pocket maximum.
Left: an itemized bill with a duplicated CPT 80053 flagged — one $180 charge is an overcharge. Right: the $3,885 total split by a plan covering 80% with $500 deductible left and a $3,000 out-of-pocket max: plan pays $2,708, you owe $1,177.
The sample bill totals $3,885. Pasting it triggers an automatic audit: it lists CPT 80053 (comprehensive metabolic panel) twice, bills two ER visit levels (99284 and 99285), and itemizes an EKG that is often bundled with an ER visit.
Paste your medical bill — AI detects duplicate charges, upcoding, and billing errors. Generates a formal dispute letter. 100% local, free.
This analyzer examines itemized medical bills for the errors that studies find on a large share of hospital invoices: duplicate charges for the same service, upcoding to more expensive procedure codes than documented, unbundled charges that split a package price into billable parts, charges for services never rendered, and quantity errors on medications and supplies. Paste or upload your itemized bill, and the AI flags suspect line items with plain-language explanations of why each looks wrong, then generates a formal dispute letter citing the specific items — the document that starts the appeals and negotiation process with the billing office. Analysis is fully local in your browser, fitting the sensitivity of health and financial data.
Patients facing large hospital bills after procedures audit before paying — the standard advice is never pay a first hospital bill without requesting the itemized version. Insured patients reconcile bills against their EOB, catching charges the insurer already adjusted but the provider still bills. Caregivers managing a parent's claims keep a running audit across providers. Self-pay and high-deductible patients negotiating cash prices know exactly which lines to challenge. Anyone already in collections disputes with specifics rather than general hardship claims, which is what billing offices act on.
(1) Obtain the itemized bill — request it in writing; you are entitled to it. (2) Paste the line items or upload the statement; the analyzer parses services, codes, and charges. (3) The engine runs its checks: duplicate detection, CPT plausibility against the described service, package-versus-component pricing, and quantity anomalies — flagging each suspect line with its reason. (4) Review the flags, correct any that are explainable, and generate the dispute letter with your account details and the specific challenged items for the provider's billing department.
The sequence that works, in order. First, never pay the summary bill — request the itemized statement in writing (federal law entitles you to it), because errors live in line items. Second, audit it: duplicate charges, upcoded procedures, unbundled packages, services not received; this analyzer automates that pass. Third, cross-check against your EOB — charges the insurer adjusted or denied should not reappear as patient responsibility. Fourth, request corrections in writing with specific line references — the dispute letter this tool generates — and log every call with names and dates. Fifth, negotiate the balance: hospitals' chargemaster prices far exceed insurer-negotiated rates, and financial assistance policies (required of nonprofit hospitals under ACA rules) commonly reduce or zero out bills below income thresholds — ask for the charity-care application. Sixth, if the bill is wrong and uncorrected, escalate to your state insurance commissioner or the CFPB, and know the No Surprises Act's protections against out-of-network surprise billing at in-network facilities. Deadlines matter: insurers typically allow 180 days to appeal, so start the paper trail immediately.
The AI scans for: duplicate charges (same procedure code billed twice), upcoding (billing a higher-level code than performed), unbundled charges (separately billing components that should be a single code), charges for services not received, incorrect patient identifiers, and missing modifiers. It flags suspicious line items with explanations and generates a formal dispute letter template.
It generates a formal dispute letter citing specific billing errors found, references relevant medical billing codes (CPT/HCPCS), and includes a request for itemized billing. This letter can reduce or eliminate charges for errors. For legitimate charges, it provides negotiation guidance: financial hardship applications (income-based discounts of 30-70%) and prompt-pay discounts (10-20% for immediate payment).
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