Can AI explain my medical bill?
Half. AI explains the terms and codes on a bill and writes questions to ask the billing office. It can't tell you whether the charge is correct.
01Why half-bot
- Billing terms like 'allowed amount' and 'patient responsibility' are confusing, and AI explains them well.
- It helps you spot things to ask about, like duplicate lines.
- Only your insurer and provider can confirm what you owe.
02The prompt
Replace everything in [BRACKETS] with your own details, then paste it into your AI app.
Explain this medical bill in plain English. This is billing help only, not medical advice. [PASTE THE BILL LINES AND YOUR INSURER'S EXPLANATION OF BENEFITS. Remove your name, member ID and account numbers.] Give me: 1. What each line and term means. 2. Anything that looks worth asking about (possible duplicates, charges not on the insurer's statement). 3. A short, polite message to the billing office asking for an itemized bill and answers to my questions. Rules: don't guess what a code means if you're unsure. Say "confirm with billing."
03Steps
- Remove personal and insurance ID numbers first.
- Request an itemized bill if you don't have one.
- Send your questions to the billing office in writing.
04What can go wrong
- Never share your member ID or Social Security number in a chat app.
05What to use
06Our test runs
2 runs, each with a different made-up sample. 0 of 2 passed every check.
The made-up sample:
This prompt has nothing to fill in.
- Explain each line and term
- Identify possible duplicates or missing charges
- Provide short polite message to billing office
- Do not guess code meanings; say confirm with billing
- Didn't make up details we never gave it
What came back (excerpt):
I'm ready to help. Please paste the medical bill lines and your insurer's Explanation of Benefits (EOB).
Read the full answer
I'm ready to help. Please paste the medical bill lines and your insurer's Explanation of Benefits (EOB). I'll break down each line and term, identify potential issues, and provide a sample message to the billing office. Please go ahead and paste the bill and EOB. I'll get started!
The response asks for data instead of providing the required analysis.
The made-up sample (a messier one):
This prompt has nothing to fill in.
- Explain each line and term
- Identify any questionable charges
- Give a brief polite billing office request
- Avoid guessing codes; say confirm with billing
- Didn't make up details we never gave it
What came back (excerpt):
I'm ready to help. Please paste the bill lines and your insurer's Explanation of Benefits (EOB).
Read the full answer
I'm ready to help. Please paste the bill lines and your insurer's Explanation of Benefits (EOB). I'll break down each line and term, identify potential issues, and provide a sample message to the billing office. Please go ahead and paste the bill information. I'll get started!
The response asks for missing input instead of providing the required analysis.
How each run works: we fill the prompt with a made-up sample, run it once in Llama 3.3 70B, and GPT-OSS 120B grades the answer against the prompt's own rules. Word limits are counted by code, and every quote flagged as made up is checked against the full answer. Your results can differ. How we test.
Every medical bill, and what your HSA still owes you. Excel + Google Sheets, $9.99.