No black box. Here's exactly what happens to your bill — and why you can trust the result.
Import the claim PDF from your insurer's portal, paste the Claim Details page text, scan a paper bill with your camera, or type the codes manually. Everything is processed on your phone.
FairBill reads the claim into structured data: every service date, procedure code, billed amount, allowed amount, deductible, copay, coinsurance, and plan payment. If any line can't be fully read, you're told — nothing is guessed.
Rules that are pure arithmetic run on every line: payments must balance to the cent, totals must equal the sum of lines, allowed can never exceed billed, coinsurance rates must be consistent and match your plan.
Duplicates within and across claims, unbundled panels, upcoding-prone visit levels, charges on $0-only codes, coverage gaps, and — for cash payers — charges far above real insurer-negotiated rates. Flags are sorted by severity with the dollars at stake.
Generate a formal dispute letter from the findings, send it, and mark it sent. FairBill starts the 180-day appeal clock, shows days remaining, and reminds you two weeks before the window closes.
Each audited claim feeds your deductible and out-of-pocket tracker, so the next time a bill arrives you already know whether you should owe anything at all.
Most AI tools guess. FairBill's core engine doesn't.
When FairBill says a line doesn't balance, you can check it with a calculator. That's the standard: findings you can put in a dispute letter and defend, not "our AI thinks this looks wrong."
When you enable the optional on-device AI for unusual formats, its output is fed back through the deterministic engine. Reconstructed lines that don't reconcile are rejected — hallucinations can't reach your audit.
It won't invent prices for codes it has no verified benchmark for, it won't promise savings, and it won't diagnose whether care was medically necessary — that's between you, your clinician, and your insurer. FairBill handles the arithmetic and the paper trail.
Log into your insurer's portal, download or copy one claim, and see what the math says.