Built by an industry insider
Created by a health insurance data engineer who works inside claims processing — so the checks reflect how claims are actually adjudicated. Read the methodology →
EOB Review · Appeal Guidance
Turn a confusing EOB into a concrete action plan
We flag high-risk claim lines, explain why they matter, and help you prepare for insurer and provider conversations with more confidence.
Start My Claim Review🔒 Secure uploadNo account requiredResults in seconds
Built for transparency:
Why you can trust this review
No fake testimonials, no vague promises — just a clear method, real sources, and an honest account of what the tool can and can’t do.
Grounded in primary sources
Guidance cites federal sources — CMS, HealthCare.gov, the IRS, and the CFPB — not opinion. See our sources →
Transparent about limits
Findings are confidence-rated, and we tell you exactly what to verify with your insurer before acting. It’s educational guidance — never a guaranteed outcome.
How It Works
From confusing EOB to clear action plan in four steps.
Upload Your EOB
Drop in your PDF, image, CSV, or XLSX. No account needed.
We Triage the Claims
High-risk lines surface first — sorted by urgency and potential dollar impact.
Read Your Action Brief
Plain-English breakdowns of every flag — no jargon, no guesswork.
Escalate with Confidence
Use your brief to call billing, contact your insurer, or draft an appeal.
What Your Action Brief Looks Like
Sample OutputThis is a representative example of what the review surfaces. Your actual results depend on the EOB you upload.
Action Brief — EOB Review
- High PriorityEst. impact: ~$340
Out-of-Network Misclassification
The rendering provider appears in the insurer's network directory but the claim was processed at out-of-network rates, resulting in a higher patient share.
Verify:Confirm network status with your insurer using the provider NPI before paying. - High PriorityEst. impact: ~$185
Duplicate Line Item
Procedure code 99213 appears twice on the same date of service with identical rendering provider and billed amount.
Verify:Request an itemized bill and confirm the charge appeared only once on the claim. - Review NeededImpact unclear
Deductible Accumulation Gap
Year-to-date deductible applied on this EOB does not match the accumulation shown on your prior EOB from 34 days earlier.
Verify:Request a current deductible accumulation statement from member services.
Privacy-Respecting by Default
Secure Uploads
Files move through encrypted HTTPS and are analyzed in memory — the uploaded file itself is never stored on our servers.
No Account Required
Start a review without creating an account or committing to a subscription flow.
Plain-English Results
We translate insurance jargon into clear action steps you can use today.
Free tools & guides — no upload required
Not ready to upload an EOB? Start with these free resources to understand what your care should cost and how to push back on a bill.
Procedure Cost Guide
Medicare benchmark rates for 80+ common procedures, so you know what’s fair.
Browse procedure costs →Bill Fairness Checker
Enter what you were charged and instantly see how it compares to the benchmark.
Check a charge →Denial Code Library
Look up what your insurer’s denial code means and how to respond.
Decode a denial →Appeal & Billing Guides
Step-by-step guides for appeals, negotiation, and your patient rights.
Read the guides →Frequently Asked Questions
What is an Explanation of Benefits (EOB)?
An EOB is a statement from your insurance company showing what was billed, what the plan paid, and what you owe. It is not a bill itself, but it tells you how your claim was processed.
What issues do you usually flag?
Common errors include duplicate charges, upcoding, unbundling, and out-of-network billing for in-network providers.
Does this work for hospital bills, not just insurance EOBs?
Our tool is optimized for EOB documents from your insurer. Itemized hospital bills in CSV format also work.
Is my medical information safe when I upload?
Yes. Files are sent over encrypted HTTPS and analyzed in memory — the uploaded file itself is never stored. Your analysis results auto-delete within 24 hours, and you can delete them yourself anytime.
What if my claim was denied, can I still appeal?
Yes. If we detect a denied claim on your EOB, we highlight it and can generate a customized appeal prep document.