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Explain a Confusing Insurance Letter or Medical Bill With AI

Explanation of benefits forms and medical bills are famously hard to read. AI can translate them and help you decide what to ask your insurer.

Step by step

  1. Remove personal numbers. Hide member IDs, claim numbers and your address.
  2. Paste the text. Or type the key lines.
  3. Ask what it means in plain words. What did the insurer pay, and what do I owe?
  4. Ask what to check. Is anything duplicated? Is anything missing?
  5. Call to confirm. Use the number on your card, and ask the billing office to explain any charge you still do not understand.

A prompt you can copy

Type this into ChatGPT, Claude or Gemini

Explain this explanation of benefits in plain English. What was billed, what was covered, and what do I owe? List three questions to ask my insurer. [paste text without ID numbers]

Good to know. Keep a notebook of calls with the date, the name of the person and what was said.

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Common questions

Can AI find billing errors?

It can point out things to check, but verify with the provider.

Is it a bill or not?

An explanation of benefits is usually not a bill. Ask AI to help you tell the difference.

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