Provider statement · insurance EOB · payments

Know exactly which medical-bill amount needs verification.

Compare the provider balance with the plan’s allowed amount, payment, adjustments, patient responsibility, and your own payment record—without turning a mismatch into a legal conclusion.

Fictional records only. No claim, appeal, payment, or message is submitted.

AMOUNT CHECK

Bill, EOB, adjustment, payment.

LINE REVIEW

Duplicate identifiers and missing adjustments.

CALL RECORD

Representative, reference, date, next step.

Interactive 3-Way Reconciliation Audit

Use fictional sample records to see how a provider balance can differ from the EOB patient-responsibility amount.

Deterministic 3-Way Reconciliation

Provider Bill vs Insurance EOB Audit

Verify before acting
1. Hospital Billed (Chargemaster)
$3,850
Initial arbitrary hospital charge
2. Legal EOB Patient Owes
$280
After -$2,930 contract write-off
3. Hospital Statement Demand
$2,100
Unreconciled invoice sent to patient

Discrepancy Detected: $1,820 Erroneous Overbilling

CRITICAL EXCEPTION

The provider statement requests $2,100, while the sample insurance EOB lists $280 as patient responsibility. Verify the difference with both records. Paying this bill would result in an unnecessary cash loss of $1,820.

See the bill-and-EOB reconciliation workflow →

A traceable record for healthcare expenses

Bring scattered statements, portal downloads, and payment records into one comparison you can verify.

3-Way

1. True 3-Way Reconciliation

Compares provider billed, plan allowed, insurer paid, patient responsibility, and patient paid. It flags mathematical differences for verification.

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2. Mismatch Detection

Flags unapplied adjustments, duplicate line identifiers, and totals that do not reconcile. A flag is a review prompt, not a legal finding.

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3. Appeal-Date Tracker

Enter the appeal deadline from your denial notice or plan documents and keep the countdown beside the claim record. Always verify the controlling date with the plan.

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4. Printable Review Packets

Organize itemized differences, EOB amounts, recorded payments, and call reference numbers into a printable record you can review before contacting the provider or insurer.

Simple claim-organizing plans

Preview pricing. The public workspace is a fictional demo and does not start a subscription.

Most Popular

Individual Monthly

$14.99/mo

Continuous protection for an individual patient.

  • ✓ Unlimited 3-Way Reconciliations
  • ✓ Amount mismatch & duplicate-line checks
  • ✓ Notice-based appeal date tracking
  • ✓ Printable claim review packets
Open Individual Demo →

Family Plan

$24.99/mo

For households with multiple dependents.

  • ✓ Up to 6 family member profiles
  • ✓ Family deductible & OOP maximum tracking
  • ✓ Centralized HSA / FSA reimbursement tracking
Preview Family Workflow →

Single Claim Pass

$49 flat

One-time audit pass for a single major bill.

  • ✓ 1 major hospital episode resolution
  • ✓ Full itemized audit & discrepancy detection
  • ✓ Printable claim review packet
Preview Single Claim →

Product boundaries

A reconciliation flag is the start of verification.

Does a mismatch mean a medical bill is invalid?

No. It means the amounts in the provider statement, EOB, or payment record do not line up. Verify the records with the provider and insurer before deciding what to pay or dispute.

Is every insurance appeal deadline 180 days?

No. Many plan notices use a 180-day internal appeal period, but the controlling date is the deadline in your denial notice and plan documents. The app tracks the date you enter.

Does the app send a dispute or contact my insurer?

No. The public demo organizes a comparison, call log, and printable packet. It does not submit a claim, appeal, payment, or message.