Describe your bill. We'll find errors, calculate what you owe, and give you scripts to dispute charges.
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Describe your bill
Enter amounts and bill details
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Analysis running
Checking for errors and overcharges
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Your results
Findings, corrected amount, call scripts
🔒 Your information is never stored
📋 Based on real billing workflows
⚡ Results in under 30 seconds
Medical Bill Analyzer: Audit Your Charges
Describe your bill in plain language, enter the numbers directly, or upload the document. The more detail you provide, the more precisely we can identify errors and overcharges.
Describe your visit, procedure, or hospital stay in plain language
Check any that apply to your situation
Additional flags
This tool is educational. Always verify results with your provider and insurer.
Analyzing your bill…
Checking against billing rules and common error patterns
Checking billed amounts vs. allowed rates
Looking for duplicate or unbundled charges
Verifying deductible and coinsurance math
Checking surprise billing protections
Preparing call scripts
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3 potential issues found on your bill
We identified billing patterns that commonly result in overcharges. Review each finding below and use the call scripts to dispute them with your insurer and provider.
Your bill shows two line items for a comprehensive metabolic panel (CPT 80053) on the same date of service. This is a common unbundling error — labs sometimes split a single test across two billing codes. You should only be billed once.
ReviewCoinsurance applied before deductible was met−$480▾
Based on the amounts you provided, it appears coinsurance was applied to charges before your annual deductible was fully credited. This can happen when claims are processed in the wrong order, or when prior-year deductible payments aren't carried over correctly.
CheckEmergency care — surprise billing protections may apply$140▾
You indicated this was emergency care. Under the No Surprises Act (2022), out-of-network providers at in-network facilities cannot bill you more than your in-network cost-sharing amount for emergency services. Verify whether any out-of-network providers are included in this bill.
Call scripts
Use these word-for-word when calling your insurer or provider. Stay calm, take notes, and ask for everything in writing.
Call your provider's billing department
"Hi, I'm calling about a bill I received for a visit on [date]."
"I'm seeing two charges for a comprehensive metabolic panel — CPT code 80053 — billed on the same date of service."
"Can you confirm whether these are two separate tests or a duplicate? I'd like a corrected itemized bill if one of these is an error."
💡 If they say both are valid, ask them to explain the clinical difference between the two charges. Ask for the supervising physician's name and the documentation supporting both tests.
Call your insurance company
"Hi, I'm calling about how my deductible was applied to a claim processed in [month/year]."
"According to my EOB, coinsurance was applied, but I believe my deductible should have been met before coinsurance kicked in."
"Can you walk me through exactly how my deductible was calculated on this claim, and what my cumulative deductible total was at the time it was processed?"
💡 Ask them to send you a deductible accumulator report for the full plan year. This shows every payment that counted toward your deductible, so you can verify the math yourself.
Call your insurance company
"Hi, I received a bill following an emergency visit on [date] that I believe may include out-of-network charges."
"Under the No Surprises Act, I understand I can't be billed more than my in-network cost-sharing for emergency services, even if individual providers were out-of-network."
"Can you confirm which providers on this claim were in-network vs. out-of-network, and whether out-of-network cost-sharing was correctly applied?"
💡 If the insurer can't resolve this, you can file a complaint directly with the Centers for Medicare & Medicaid Services at cms.gov/nosurprises.
General billing dispute opener
"Hi, I'm calling to dispute a charge on a bill I received. My account number is [number] and the date of service was [date]."
"I'd like to request a fully itemized bill that lists every service, CPT code, and charge individually."
"I'll be reviewing each line item and following up in writing. Can I get your name and direct extension?"
💡 Always get the representative's name and employee ID. Note the date and time of the call. Follow up every verbal agreement with a written email or letter.
Recommended next steps
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Request an itemized bill. Call the provider's billing department and ask for a line-by-line itemized bill with CPT codes. You have the right to this.
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Compare your EOB to the bill. Your Explanation of Benefits from your insurer shows what they paid and why. It should match the provider's bill.
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Call with the scripts above. Use the word-for-word scripts. Stay calm, take written notes, and confirm any agreements in writing.
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Don't pay until disputes are resolved. Paying a bill often signals acceptance. Most providers will pause collections while a dispute is active.
