Making sure you never overpay a medical bill — whether you're insured, on a high-deductible plan, or paying cash.
Parses your insurer's claim details and verifies the payment math on every line: allowed amount must equal deductible + copay + coinsurance + plan paid, and totals must equal the sum of the lines. A mismatch means a hidden or shifted charge.
Catches the same procedure billed twice on one claim — and the same service claimed across two different claims, which is nearly impossible to spot by eye.
Flags lab panel components billed separately alongside the panel, incompatible code pairs, and the high-level visit codes that audits show are most frequently overused.
Some codes exist only for quality tracking and must always be billed at $0. If one carries a charge, FairBill flags it as an automatic dispute.
If part of a bill can't be read (a cropped scan, a cut-off column), FairBill tells you the audit may be incomplete instead of silently guessing. No invented numbers, ever.
Fair prices come from actual insurer-negotiated rates and national code ranges. When no verified benchmark exists for a code, FairBill says so honestly.
Download the claim or EOB PDF from your insurer's portal and import it directly. Text extraction happens on your phone; scanned PDFs are handled by on-device OCR.
Copy the Claim Details page from your insurer's website and paste it in — FairBill recognizes the table structure and audits it instantly.
Scan a paper bill with your camera, or type CPT codes and amounts by hand for a quick benchmark check.
Enter your plan's deductible and out-of-pocket max once. Every audited claim adds its deductible, copay, and coinsurance to your year-to-date progress bars on the home screen.
Claims processed at the wrong coinsurance rate are flagged with the exact overcharge and a request you can send your insurer to reprocess the line.
Generate a formal dispute letter from your findings, mark it sent, and FairBill tracks the 180-day appeal window — with a reminder before it closes so the deadline never slips.
The deterministic engine, OCR, and PDF reading all run locally. Your bills, claims, plan details, and history live only on your phone. There is no FairBill server holding your medical data.
For unusual bill formats, you can install a local AI model (Gemma) that restructures the text — and the deterministic engine then re-verifies every number, so AI output is checked by exact math before you see it.
Prefer a second opinion? A cloud AI mode (Google Gemini) is available side-by-side — clearly labeled, chosen by you per audit, never the default.
Every audit is saved locally with its status — pending, dispute sent, resolved — and the savings you actually recovered, so you can see what fighting back has earned you.
The fastest way to understand FairBill is to feed it a real claim. It's free.