Plain answers to what people ask most.
No. Unbundle is not legal or medical advice. It points out charges that may be worth asking about, using fixed checks built on public Medicare rules. A findings list is a reason to ask the billing office a question, not proof of a mistake. For advice about your rights, a lawyer or a patient advocate can help.
Itemized bills and statements from doctors' offices, clinics, and other providers, as a photo or a PDF, or typed in by hand if you have no photo. The price and quantity checks use Medicare's physician fee schedule for Los Angeles, so they fit services on that schedule best. Hospital facility charges, such as a room fee, are outside what the price checks cover. A bill with one lump sum and no line items can't be checked, so ask the billing office for an itemized bill first.
We ran the checks against 16 made-up test bills, including 6 designed to catch false alarms, and they behaved as designed. Real bills are messier, so some problems will be missed and some flags will turn out to be fine. That is why every finding says what to ask rather than what is wrong.
Your files are stored in a private folder that only your account can read, write or delete.
Your files are sent to Anthropic's API so your bill can be read. The only other thing sent is a single billing code, and only if you open “What is this?” on a line. If you type your bill in instead of uploading it, nothing you type is sent to Anthropic, apart from that same billing code. Anthropic's published terms say that, by default, your bills aren't used to train its models and API data is deleted within 30 days. Those are Anthropic's terms, not ours.
Deleting a bill removes the bill, its line items and the uploaded files from our storage.
We never sell your information.
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Unbundle is free to use, including the report and the letter.
An Explanation of Benefits is a statement from your insurance company. It is not a bill. It shows what the provider charged, what your plan allowed and paid, and what you may owe. If you add one when you upload, Unbundle compares it with your bill.
Some services are meant to be billed together as one charge. Unbundling is billing the pieces separately, which can add up to more. Medicare publishes pairs of codes that normally should not be billed together, and Unbundle flags those pairs so you can ask why they were split.
Ask for an itemized bill and for the provider's financial assistance policy and application, since many hospitals reduce bills based on income. If you were given a Good Faith Estimate before your care, you can compare it with your bill in the financial help step. You can also ask about prompt-pay discounts and payment plans, and ask that your account not go to collections while it is reviewed.
More answers, each with its source
A script you can adapt. When you have a report, it fills in your own findings.
The file is made in your browser and downloaded. Nothing you pick is sent or saved. The file holds only a date, a short title and a short note. It has no names, amounts, billing codes or bill details.