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Medical Bill & Insurance Denial Navigator

Understand bills in plain English. Flag errors. Get a ready-to-send appeal letter draft you review before sending.

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Hedical uses AI to analyze documents and draft letters. Always review before sending. Not a substitute for professional legal, medical, or financial advice.

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The problem

Insurers use AI to deny claims at scale. Hospitals use AI to fight back. The patient is left with confusing paperwork and tight deadlines.

Hidden Errors

Up to 80% of medical bills contain errors — duplicate charges, upcoding, unbundling, and out-of-network surprises. [KFF]

Denied Claims

Insurers deny 19% of in-network claims. Fewer than 1% of denials are ever appealed, even though 44-78% could be overturned. [AHIP] [Commonwealth Fund]

Confusing Jargon

EOBs and medical bills are written in opaque language designed for providers and payers, not patients.

Tight Deadlines

Appeal windows are short — often 30-180 days. Missing a deadline means losing your right to challenge a denial.

What it does

From upload to understanding — everything you need to make sense of your medical bills.

Upload any document

Photograph or upload any medical bill, EOB, or denial letter. Our AI extracts every line item automatically.

Understand what you owe

Every charge and code is translated into plain English. Know exactly what each line item means and whether it looks right.

Flag potential errors

Our AI checks for duplicate charges, upcoding, unbundling, out-of-network surprises, and charges exceeding typical rates.

Get an AI-drafted appeal letter

Generate a ready-to-send appeal or negotiation letter draft based on your documents — formatted, grounded in your policy, and yours to review and send.

Know your deadlines

We track your appeal windows and guide you through each step of the process.

Understand your rights

Know what protections your state offers — from surprise billing laws to independent external review rights.

How it works

Three steps from confusion to clarity.

1

Upload your document

Snap a photo of your medical bill, EOB, or denial letter — or upload a PDF. We accept images and PDFs up to 10 MB.

2

AI analyzes and explains

Our AI extracts every line item, identifies codes and charges, and flags potential errors. You get a plain-English breakdown — free.

3

Get a letter draft and take action

With one click, generate an AI-drafted appeal or negotiation letter. Review it, make changes, and send it yourself.

Try it now

Upload a bill, EOB, or denial letter to see what's in it. Free, no credit card required.

Analyze your first bill

Frequently asked questions

What documents does Hedical accept?
Hedical accepts PDFs and photos (JPEG, PNG) of medical bills, Explanation of Benefits (EOB) forms, and insurance denial letters. Each file must be 10 MB or smaller. Our AI extracts line items, codes, and charges automatically from the document.
Is this medical or legal advice?
No. Hedical is an informational and administrative tool. It analyzes your documents, flags potential errors, and drafts appeal letters based on the information you provide. Always review the letter before sending, and consult a medical professional or attorney for medical or legal advice.
Do I need to link my insurance account?
No. There is no insurance login or account linking required. Upload your documents directly — Hedical reads the information from the files you provide.
How long does it take to get an appeal letter?
Free analysis is instant — upload a document and see the breakdown immediately. Paid appeal letters are typically generated within minutes. Priority processing is included with the Per-Use and Unlimited tiers.
Can I use Hedical for someone else, like a family member?
Yes. The Unlimited plan supports multi-profile caregiver management for up to 5 people. You can upload and manage documents for yourself, your parents, your spouse, or anyone you care for — all from one account.
What if my appeal is denied again?
Hedical can help you prepare a second-level appeal or external review request. Most plans allow at least one internal appeal followed by an external review by an independent third party. State and federal deadlines vary — check our appeal deadlines guide for your specific timeline.

Understand your bills. Take control.

Free tier available. No credit card required.

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