Frequently asked questions

Not unless you explicitly choose it. The core audit engine, PDF reading, OCR, deductible tracker, and history all run and store data on your device only. The one exception is the optional Cloud AI (Gemini) mode — clearly labeled and selected by you per audit — which sends the codes you entered to Google's Gemini API for analysis. The on-device mode is the default.

The core engine is deterministic: its findings are arithmetic, not predictions. If FairBill says a claim line doesn't balance, you can verify it with a calculator. What we can't guarantee is completeness — if a bill's format isn't recognized or a scan is unreadable, FairBill tells you the audit may be incomplete rather than guessing. Flags are a reason to ask questions, and the app gives you the exact questions to ask.

Insurer claim/EOB pages (imported as PDF or pasted as text), paper bills via camera scan, and manual CPT code entry. Structured insurer claim pages give the deepest audit because they contain the full payment breakdown. For unusual formats, an optional on-device AI model can restructure the text — with every number re-verified by the deterministic engine.

Especially then. Providers quote cash payers the inflated "billed" price, while insurers pay a fraction of it. Select "Uninsured / Self-Pay" and FairBill compares your charges against real insurer-negotiated rates for the same services, flags large markups, and gives you a concrete anchor for negotiating a fair cash price.

Payment math that doesn't balance, hidden or shifted line items, duplicate charges within and across claims, unbundled lab panels, upcoding-prone visit levels, charges on codes that must always be $0, coinsurance charged at the wrong rate for your plan, and prices far above verified benchmarks. Each flag shows severity and the dollars at stake.

The app generates a formal dispute letter from your findings — asking the provider to pause collections, itemize the bill, and correct the errors. Send it (certified mail is best), tap "dispute sent," and FairBill tracks the 180-day appeal window and reminds you before it closes. For claim errors, also ask your insurer to reprocess the claim.

FairBill is free to download and use. The app shows a small number of ads (never before or over your audit results), and some extras use optional rewarded ads. There's no subscription and no sale of your data — your medical information isn't on our servers to sell.

No. FairBill is an informational tool that checks arithmetic and coding patterns on billing documents. It doesn't assess medical necessity, provide legal representation, or guarantee outcomes. For consequential decisions, confirm findings with your provider, insurer, or a professional patient advocate.

Android 7.0 (API 24) and newer. The optional on-device AI model requires a phone with enough memory to run a small LLM (about 1 GB of storage for the model file) — everything else works on any supported device.

Yes — instantly. Because everything is stored on your device, deleting an audit in the app or uninstalling the app removes your data. There's no server-side copy to request deletion of.