Paste the bill or the explanation of benefits. In a few seconds you get each line in plain words, the charges worth a question, and — in the full version — the letter to send. No account. Nothing stored.
Free first look — 20 seconds
The statement, the itemized bill, or the explanation of benefits. Leave out account numbers if you like.
How it works
Bill, EOB or collection letter. Nothing is saved.
Every line translated, the ones worth a question flagged, with the exact question.
The billing-question letter, insurer script, or validation request — in the full version.
Why this exists
Five-digit codes, 'adjustments', three kinds of patient responsibility — and a due date. Most overcharges die when someone asks one precise question. This gives you the plain-English translation and the question.
Plans
The free look translates the bill and flags the questions. The full version writes the letter or the call script, ready to send.
The full explanation and the letter or script that fits — billing questions, insurer call, or debt validation. Printable.
For the person who reads every bill for the whole family — parents' EOBs included.
All prices in USD, handled by Stripe. The free explanation never goes behind a paywall.
Common questions
No. What's This Bill? can be wrong and is not legal, medical or insurance advice. It never decides a charge is improper — it gives you the exact question to ask the biller or insurer. Confirm anything important with them, in writing.
The first look at your bill is free, and nothing you paste is stored. The full version, including the letter you can send, is $9 per bill, or $4.99 per month for the family plan.
It walks through terms like CPT/procedure code, allowed amount, adjustment, deductible, copay, coinsurance and EOB in one plain line each, using the description on your bill itself. It won't tell you a code means something beyond what your bill already says.
If it's for emergency care or certain out-of-network ancillary care, the federal No Surprises Act (see CMS — No Surprises) may protect you from most balance billing — call your insurer first using the number on your card. If you're uninsured, ask about your Good Faith Estimate right instead.
You can request written validation of the debt within 30 days of the collector's first contact (see CFPB — debt collection). Medical debt also has specific credit-reporting protections, so it's worth checking with consumerfinance.gov. This isn't legal advice — confirm your options with a professional if you're unsure.
No. What's This Bill? puede equivocarse y no es un consejo legal, médico ni de seguros. La herramienta nunca decide que un cargo es indebido — le da la pregunta exacta para hacerle al facturador o a su aseguradora. Confirme por escrito cualquier cosa importante con ellos.
La primera revisión de su factura es gratuita y nada de lo que usted pega se guarda. La versión completa, que incluye la carta que puede enviar, cuesta $9 por factura, o $4.99 al mes con el plan familiar.
Explica términos como el código CPT/de procedimiento, el monto permitido, el ajuste, el deducible, el copago, el coseguro y el EOB en una línea sencilla cada uno, usando la descripción que aparece en su propia factura. No le dirá que un código significa algo más allá de lo que ya indica su factura.
Si se trata de atención de emergencia o de cierta atención auxiliar fuera de la red, la Ley federal No Surprises (vea CMS — No Surprises) puede protegerlo de la mayoría de las facturas de saldo — llame primero a su aseguradora al número que aparece en su tarjeta. Si no tiene seguro, pregunte en cambio por su derecho al Good Faith Estimate.
Usted puede solicitar la validación por escrito de la deuda dentro de los 30 días posteriores al primer contacto del cobrador (vea CFPB — debt collection). La deuda médica también tiene protecciones específicas de reporte crediticio, así que vale la pena consultar consumerfinance.gov. Esto no es un consejo legal — confirme sus opciones con un profesional si tiene dudas.
Built by the same team, free to try.