Upload the bill and the EOB — the Explanation of Benefits your insurer sends. MBR matches them line by line, explains every denial in plain English, drafts the letter when something's wrong, and keeps the whole household's paper trail until the numbers are right. Works on your phone: snap a photo of the bill.
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| Service | Status | Patient owes |
|---|---|---|
| 99214 Office visit | Matches | $113 |
| 73721 MRI knee | Denied · CO-197 | $0 per EOB |
| 97110 Therapy | Denied · CO-50 | $0 per EOB |
| 80053 Metabolic panel | Duplicate billed | $0 per EOB |
Illustrative example with sample data
A medical bill is only half the story; the EOB is the other half. MBR reads both, lines them up, tells you what's wrong in plain English, drafts what to send, and remembers all of it — so when a bill comes back three months later, you're not starting from a shoebox of paper.
Upload as they arrive — PDF or phone photo, in any order. MBR reads every line and code, pairs each bill to its EOB automatically, tracks corrected versions, and shows exactly where the provider's number departs from the insurer's.
The goal: claims flow in from your insurer on their own, no uploads and no retyping — using the official patient-access connections insurers are required to offer, never your portal password. Traditional Medicare comes first, as soon as federal approval comes through; more insurers to follow as each one approves us.
Every denial code translated into plain English with a verdict on who generally owes it. Then ten letter types — disputes, appeals, debt validation, itemized-bill requests and more — drafted from your actual documents with the claim and account numbers billing offices need. See a sample ↓
Every bill, EOB, notice, letter and reply — including corrected versions — in one dated record per family member, with appeal deadlines and follow-ups counted down for you. When a bill comes back months later, the whole history is one search away.
Kids, parents, a spouse's specialist saga — one place for every family member's billing life, with deductible and out-of-pocket progress per person. Someone covered by two plans? Mark it once and MBR expects the secondary EOB instead of calling the primary one wrong.
Did an account end up in collections? A collection notice starts a legal clock. MBR reads the notice, counts down your 30-day validation window, drafts the validation request and the follow-ups, and keeps every notice, letter and response together — so you can show exactly what was sent, and when.
No hunting through portals, no hold music. Snap a photo or upload a PDF and MBR does the reading.
PDF, or a photo straight from your phone's camera. MBR reads every line, every code, every dollar — and if you were sent a summary bill with no detail, it drafts the letter that asks the provider to itemize it.
Arithmetic that doesn't add up. Duplicate charges. Preventive care billed to you. Every finding quotes the exact line it came from — math you can check yourself, not an AI's opinion.
One click drafts the dispute letter — professional, specific, ready to sign and mail. Then add your EOB and MBR cross-checks what insurance says you owe against what the provider is billing.
| CPT | Description | Date | Billed |
|---|---|---|---|
| 85025 | Complete blood count | Aug 12 | $45.00 |
| 85025 | Complete blood count | Aug 12 | $45.00 |
Bills, EOBs, denials, letters and deadlines — for everyone in the household, in one record that keeps working after the upload.
Documents arrive weeks apart and out of order. MBR pairs them automatically and shows exactly where what the provider billed departs from what your insurer said you owe.
| Line | EOB says | Bill charges |
|---|---|---|
| 73721 MRI | CO-197 no auth | $1,450 |
| 20610 Injection | CO-97 bundled | $340 |
| 97110 Therapy | CO-50 med. necessity | $260 |
| 80053 (2nd) | CO-18 duplicate | $78 |
| 99213 Visit | CO-29 timely filing | $175 |
Illustrative example with sample data
The insurer denied the $1,450 MRI charge because prior authorization wasn't obtained before the scan. That's an administrative step on the provider's side, not a question of whether the MRI was needed.
Illustrative example with sample data
Insurers write in codes meant for other insurers. MBR translates each one and answers the question that matters: is this line generally the provider's responsibility, or might it be yours?
A collection notice starts legal clocks. MBR reads the notice, tracks your validation window, and keeps every letter and response together in one place.
Illustrative example with sample data
Per-person progress toward deductible and out-of-pocket max.
What you've paid, to whom, and what's still open.
Drafted from your documents, ready to review, sign and send.
All examples above use fictional sample data. Findings depend on the documents you upload; MBR does not guarantee any outcome.
Every letter is drafted from your own documents — the claim number, the EOB line, the exact dollar difference — in the language a billing office recognizes. MBR drafts it. You review it, sign it, and send it.
Dear Billing Department,
I am writing to dispute the $1,450.00 charge for CPT 73721 (MRI, knee) on your statement dated 09/15/2026. My insurer's Explanation of Benefits for claim 0091745, processed 09/02/2026, shows this line adjusted with reason code CO-197 — precertification/authorization absent — and lists my patient responsibility for this line as $0.00.
Because CO-group adjustments are generally the participating provider's contractual responsibility rather than the patient's, I am requesting a corrected statement reflecting $0.00 due for this line, or a written explanation of why the charge stands, within 30 days of this letter.
Please direct any questions to me at the address above. Copies of the statement and the EOB are enclosed for reference, and I am keeping a dated record of this correspondence.
Sincerely,
Illustrative sample letter with fictional data — wording varies with your documents.
Each one pulls from the bill, the EOB, your insurance card and anything you've already sent — so the reference numbers are right and the ask is specific.
Every letter requires your typed name before it's saved. Nothing is sent by MBR — you print, mail, fax or email it yourself, and log the reply when it comes.
Your bill and your EOB never arrive together. EOBs get reprocessed and corrected — sometimes more than once. The whole thing plays out over months, and the person with the complete paper trail wins. Here's what one routine bill actually looks like:
MBR checks it, finds a $45 duplicate charge, and files it — nothing to compare against yet.
Weeks later, separately. MBR auto-matches it to the bill — insurance says you owe $120 less than the provider billed.
Payers reprocess claims all the time. MBR saves the correction as version 2 — and keeps version 1, because the history is evidence.
Same wrong amount. Your dispute letter — citing the claim number, both EOB versions, and the exact discrepancy — is one click.
Corrected balance, documented outcome, every document still on file if it ever comes back.
A tool that deletes your bill after 24 hours can't do any of this. By the time the EOB arrives, the fight is just starting — and your evidence is gone. MBR is built for how billing actually works: documents arriving out of order, numbers that change, and disputes that take 60–90 days to win.
Plenty of tools will tell you every bill is an outrage. MBR is built for the opposite: findings you can take to a billing office and defend.
The core checks are arithmetic and pattern analysis on your bill's own numbers, and every finding quotes the line it came from. A clean bill gets a clean report, and that's the point.
Some things can't be proven from a bill alone — like whether a provider was in-network. MBR flags them, labels them unverified, and tells you exactly which document settles it.
CARC 45. RARC N130. Insurers speak in codes designed for other insurers. MBR translates every denial into plain English — what happened, why, and what to say when you call.
The single most common overcharge: the provider bills more than your EOB says you owe. MBR matches them line for line and computes the exact disputed amount.
Most people don't need this until they suddenly, badly do. If one of these is you, start with the bill that's bothering you most.
Medicare statements, a supplement plan, three providers, and a stack of envelopes that don't match each other. You're the one who has to make sense of it from another zip code.
Specialists, therapy, labs, imaging — dozens of claims a year, often two plans, and a deductible you're trying to track. One wrong bill a month adds up.
A hospital or lab bill you never understood is now a collection notice with a clock on it. You need to know your rights, the deadline, and what to send — this week.
Your documents live in private, access-controlled storage. Row-level security means your account can only ever see your own data — enforced by the database itself, not just the app.
Built and run in New York by a U.S. company.
Self-serve account deletion wipes your documents, your data, and your account — permanently, on your schedule, no support ticket required.
MBR drafts; you review, sign, and mail. Nothing goes to a provider, insurer, or collector without your explicit attestation.
We keep your documents and the data extracted from them. That's not a bug — it's the product. Your EOB arrives weeks after the bill. Corrections arrive after that. A dispute takes 60–90 days. The paper trail is your leverage, and a tool that deletes it in 24 hours can't help you win.
We don't sell your data. No advertisers, no data brokers, no "de-identified datasets" quietly claimed for future commercial use. Your documents exist to serve exactly one party: you.
The full details are in our Privacy Policy — written to be read.
Medical Bill Recon was founded by a veteran of provider-side medical billing: more than two decades of collections, denials and appeals, overseeing roughly a billion dollars in recoveries. That experience shapes how every check works — what a billing office looks for, how an EOB should line up with a bill, and how disputes actually get handled.
After leaving that business, what stayed with the founder was how confusing bills and denials are for the people on the receiving end, and how much stress that causes. MBR puts that insider knowledge in a family’s hands, so you can see what your insurer says you owe, what the bill says, and exactly where the two differ.
Your first 5 checks are on us — no credit card. Upgrade when you're ready to put the whole household's paper trail in one place.
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Account and how-to questions are answered on the Support page, or email support@medicalbillrecon.com.
5 free checks, no card, no obligation. Worst case, you learn your bill is correct — and that's worth knowing too.
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