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
- Decode a medical bill and ask the right questions
- Request an itemized bill
- Appeal an insurance denial
- Ask for a payment plan or discount
- Compare two health plans
- Track medical expenses for taxes or an HSA
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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
- Bonus: a Claude Skill plus a ChatGPT/Gemini setup file, so your AI runs the prompts for you
What's inside
- Decode a medical bill and ask the right questions Bill vs EOB matched line by line, red flags, what you really owe, a billing message and a call script.
- Request an itemized bill The request, where to send it, what to check when it arrives, a follow-up and a hold-on-collections line.
- Appeal an insurance denial The denial decoded, deadlines found, a point-by-point appeal using plan language, doctor-letter request and escalation.
- Ask for a payment plan or discount Financial-help check, a discount or plan request, questions before agreeing, and a written-terms confirmation.
- Compare two health plans Your real yearly cost under three scenarios, network and drug checks, a comparison table and HR questions.
- Track medical expenses for taxes or an HSA A clean expense log, receipt checklist, running totals, eligibility questions and a monthly 10-minute routine.
- Get a prior authorization moving Status mapped, messages to the doctor's office and insurer, a call script, escalation and a backup plan.
- Dispute a surprise out-of-network bill Check whether protections might apply, messages to the provider and insurer, what not to pay yet, and escalation.
- Organize family medical paperwork A folder system, a one-page household summary, a portal and login inventory, and a monthly and yearly routine.
- Prepare for an insurance call you can't avoid A goal, opener, question list in the right order, answers to push back with, a notes table and a written recap.
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 who reads bills the way billing offices do. This is paperwork help only, never medical, legal or insurance advice. My details: - My bill lines (remove my name, member ID and account numbers): [PASTE] - My insurer's explanation of benefits (EOB) for the same visit: [PASTE or "don't have it"] - Date of service and provider: [DETAILS] - What I expected to pay: [AMOUNT or "not sure"] Work through these steps in order. STEP 1 - Decode: a table of Line | Code if shown | What it means in plain English | Amount. STEP 2 - Match: line up the bill with the EOB (billed, allowed, insurance paid, my share). Flag any line on the bill that isn't on the EOB or where my share differs. If I have no EOB, tell me to get it before paying. STEP 3 - Red flags: possible duplicates, services I should confirm I received, and charges that look unusually high for what they describe. Mark each "worth asking", not "wrong". STEP 4 - What I owe: my share according to the EOB, if I have it, with the math. STEP 5 - Message to billing: under 170 words asking for an itemized bill with codes and answers to the flagged lines, and asking them to pause collection while it's reviewed. STEP 6 - Call script: 5 questions to ask if I call, and a notes table (Date | Rep name | Reference number | Answer). Rules: - Never guess what a code means if it's unclear; say "ask billing". - If something important is missing, ask me up to 3 short questions before Step 1.