FairBill reads your bill or insurance claim and verifies every line with exact, deterministic math — catching duplicate charges, unbundled codes, payment errors, and prices far above what insurers actually pay.
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Providers negotiate directly with insurers, and patients see inflated "billed" amounts that insurers never actually pay. Errors slip through because nobody reconciles the math on the patient's side. FairBill is that reconciliation.
Every claim line must balance to the cent: allowed = deductible + copay + coinsurance + plan paid. If it doesn't, someone is charging you for the gap — and FairBill shows you exactly where.
Paying cash? FairBill compares your charges against the discounted rates insurers actually pay for the same services — so you can negotiate toward the real price, not the sticker price.
Duplicate billing, unbundled lab panels, upcoded visits, charges on codes that must always be $0 — every flag is verifiable arithmetic, not an AI guess.
Import a claim PDF, paste your insurer's claim page, scan a paper bill, or enter codes by hand — FairBill handles the insurance-first reality.
Every audited claim feeds your year-to-date progress toward your deductible and out-of-pocket maximum. Know instantly whether you should even be paying a bill — or whether your deductible is already met.
Tell FairBill your plan's coinsurance rate once. If a claim charges you 20% when your plan says 10%, it's flagged with the exact dollar amount and a ready-made "reprocess this" request.
One tap generates a formal dispute letter from your audit findings. Mark it sent, and FairBill tracks the 180-day appeal window and reminds you before it closes.
The audit engine runs entirely on your phone — bills, claims, and plan details are stored only on your device. An optional cloud AI mode exists, but you choose it per audit.
A real pattern from claims data: lab work billed at many times the rate the insurer actually allowed.
| Service | Provider billed | Insurer-allowed rate | Markup |
|---|---|---|---|
| General health panel | $200.55 | $29.57 | 6.8× |
| Vitamin D test | $306.60 | $21.73 | 14.1× |
| Lipid panel | $107.10 | $9.83 | 10.9× |
| Blood draw | $26.25 | $2.44 | 10.8× |
Cash-pay patients get quoted the "billed" column. FairBill arms you with the "allowed" column — the price the provider already accepts from insurers — as your negotiation anchor.
FairBill is free on Android. Import a claim PDF or paste your insurer's claim page — you'll have a verified audit in seconds, without your data ever leaving your phone.