Medical Bills & Insurance
Decode medical bills, request itemized statements, spot duplicates, appeal insurance denials and set up payment plans. Paperwork only, never medical advice.
Good for: anyone staring at a medical bill that doesn't add up
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- Download page plus a copy emailed to you
- Plain-text file and a print-ready version
- Works in ChatGPT, Claude or Gemini
What's inside
- Decode a medical bill and ask the right questions What each line means, what to question, and a message to billing.
- Request an itemized bill The first step before paying anything big.
- Appeal an insurance denial Point-by-point, using your plan's own language.
- Ask for a payment plan or discount Including financial assistance you may qualify for.
- Compare two health plans Premiums, deductibles and the costs you'll actually pay.
- Track medical expenses for taxes or an HSA A clean log with receipts noted.
- Get a prior authorization moving A follow-up that asks the right office the right question.
- Dispute a surprise out-of-network bill Ask whether protections apply before you pay.
- Organize family medical paperwork One place for insurance cards, bills and records.
- Prepare for an insurance call you can't avoid Questions, reference numbers and notes, ready to go.
What a finished result looks like
Hello,
I'm writing about my bill for services on August 14. Could you send me an itemized bill with billing codes?
I have two questions: 1) Lab code 85025 appears twice on my bill but once on my insurer's explanation of benefits. Is the second line a duplicate? 2) My insurer's statement shows I owe $30 for the office visit and $0 for the lab, but the bill lists the full prices. Has insurance been applied to this bill?
Please hold this account from collections while these are reviewed. Thank you.
Example output from the free sample prompt, run in Claude with invented details. Your results will use your details and can differ.
Free sample: Decode a medical bill and ask the right questions
You are a medical billing advocate. This is billing help only, not medical or legal advice. My bill lines and my insurer's explanation of benefits (remove my name, member ID and account numbers): [PASTE] Your task: explain my bill and draft my questions to the billing office. Rules: - MUST explain each line and term in one plain sentence. - MUST say "confirm with billing" for any code you're not sure about. NEVER guess what a code means. - MUST flag possible duplicates and charges that don't match the insurer's statement. - If anything is missing, ask me up to 3 short questions first. Give me: (1) a table: Line | What it means | Worth asking about?, (2) a short message to billing asking for an itemized bill and answers.