The Medical Bill
Detective
Bill & EOB analysis

The Medical Bill Detective

Medical bills shouldn't require a detective.

Upload your medical bill or insurance EOB and get a simple explanation of what you're being charged, what your insurance paid, and what may be worth reviewing.

Analyze my billSee how it works

Informational help only — not medical, legal, insurance or financial advice.

A hospital billing statement and an insurance explanation of benefits under a magnifying glass

How it works

Five guided steps, from photo to next move.

  1. 1
    Upload your bill
    Snap a photo or drop in a PDF of your bill, your EOB, or both.
  2. 2
    Let the Detective analyse it
    We read the document and pull out the amounts and services.
  3. 3
    Understand what you're paying
    Every amount explained in plain English, line by line.
  4. 4
    Review potential discrepancies
    See what may be worth asking about, and why we flagged it.
  5. 5
    Take action
    Get suggested questions and a ready-to-send message.

What the Detective does

AI bill analysis

Amounts, dates, services and codes pulled straight from your document.

EOB explanation

Deductible, copay and coinsurance in everyday language.

Bill vs. EOB comparison

See where the two documents agree — and where they don't.

Potential discrepancy detection

Duplicate-looking charges, mismatched totals, unclear balances.

Plain-English explanations

No jargon. What the document says, and what we inferred.

Suggested questions

Exactly what to ask your provider or insurer.

Message generator

Professional, neutral letters you can copy and send.

Appeal assistance

A checklist and draft letter built only from your documents.

Expense history

Every bill, payment and case in one running record.

Example analysis

Fictional example — not a real bill
Fictional hospital statement + EOB
Provider charges
$8,742.00
Insurance allowed
$3,214.00
Insurance paid
$2,450.00
Patient responsibility
$764.00

Potential items to review: 3

Two similar-looking charges and one amount that isn't clearly reflected in the EOB.

Potential amount requiring review: $250.00

Worth asking about — not a conclusion that anything is wrong.

Important: The Medical Bill Detective provides informational assistance based on the documents you provide. It does not provide medical, legal, insurance, or financial advice and does not determine whether a bill is legally valid, fraudulent, or incorrect. Potential discrepancies should be verified with your healthcare provider and/or insurance company.

Your documents, handled carefully

  • • Documents are stored in private storage that only your signed-in account can open.
  • • Every record is tied to your account, and database rules block access from any other account.
  • • Analysis happens on our server. Your documents are never sent to your browser's AI or third-party analytics.
  • • You can delete a document or an entire case at any time.
  • • We never ask for a Social Security number, driver's licence, or card details.
  • • Please only upload information you're comfortable storing. We describe our security controls plainly and do not claim HIPAA compliance.

Simple pricing

Start free. Pay once — only for the bill you want fully investigated. No subscription.

A Full Investigation is a one-time charge for a single bill. Card payments aren't switched on yet, so nothing can be purchased today.