Audit medical bills with a Grok Bot
BrianRoemmele shared a Grok Bot medical bill auditor that reviews bills for errors.
Real AI agent use cases, with sources and setup prompts
Short answer: Ask the provider for an itemized bill with billing codes (CPT/HCPCS) and get the matching Explanation of Benefits (EOB) from your insurer. Remove your name, member ID and date of birth, then have ChatGPT or Claude compare them line by line for duplicate charges, wrong quantities, unbundled codes and care you never got, and price-check the codes on FAIR Health Consumer. For a denied claim, Fight Health Insurance or Counterforce Health (both free) draft the appeal letter from your denial letter; file the internal appeal within 180 days, and if it's upheld, request an independent external review within 4 months. Uninsured or self-pay and billed at least $400 over your good faith estimate? Dispute it with CMS within 120 days ($25 fee). At a nonprofit hospital, also apply for financial assistance.
Real setups: a Grok Bot medical bill auditor, a finance agent that found a year-old surgery bill in collections, an agent that files insurance claims from receipts, and a Show HN app that strengthens insurance appeals. 4 matching use cases below, each with a public source.
Looking for something else? Search all 1965 use cases or .
| Tool | What it does here | Price | Link |
|---|---|---|---|
| Fight Health Insurance | Drafts insurance appeal letters from your denial letter, mostly open source. Has a free connector (MCP) for Claude, ChatGPT, Claude Code and Codex that looks up appeal rules, state help and insurer appeal contacts. Warns that drafts can contain wrong citations. | Free / pay what you want; optional fax fee | Official site |
| Counterforce Health | AI appeal letters from your denial letter, plus free one-on-one case help for complex cases; funded by NIH and University of Pennsylvania grants. | Free for individuals | Official site |
| ChatGPT | Reads uploaded bills and EOBs (PDF or photo), checks them line by line and drafts letters. Paid plans can add Fight Health Insurance as a custom MCP server. | Free; Plus $20/mo | Official site |
| Claude | Same bill and EOB review; any plan, including Free, can add one custom connector such as Fight Health Insurance. | Free; Pro $20/mo ($17/mo billed yearly) | Official site |
| FAIR Health Consumer | Look up typical in-network and out-of-network prices for a CPT code in your ZIP code to spot inflated charges. | Free | Official site |
| Medicare Physician Fee Schedule Look-Up | Official Medicare payment amounts per code and location: a floor for what a fair price looks like. | Free | Official site |
| Dollar For | Nonprofit that screens hospital bills for charity care and helps you apply for the hospital's financial assistance. | Free | Official site |
| Ollama | Runs an AI model on your own computer so bills never leave it. | Free | Official site |
Prices are from each official page, checked Oct 27, 2026; they exclude tax and can change. Swipe the table sideways on a phone.
About 30-60 minutes once you have the documents. Works on free plans. You need the itemized bill and the EOB for the same dates of service.
Subject: Request for itemized bill and billing records - account [ACCOUNT NUMBER]
Please send me a fully itemized bill for my care on [DATE(S) OF SERVICE] at [FACILITY], showing for every line:
- the date of service
- the CPT or HCPCS code (and revenue code for hospital bills)
- the description and quantity
- the charge, insurance payments, adjustments and my balance
Under HIPAA's right of access (45 CFR 164.524), I also request a copy of my billing records for these dates.
Please place this account on hold while I review it.
Thank you,
[YOUR NAME] [PHONE]Black out or delete before uploading:
name, address, phone, email
date of birth, Social Security number
insurance member ID, group number
account / MRN / claim numbers (replace with [ACCT], [CLAIM])
Keep:
dates of service, CPT/HCPCS/revenue codes, descriptions,
quantities, charges, allowed amounts, payments, adjustments,
patient responsibility, denial reason codes# macOS (Homebrew)
brew install poppler ollama
# Debian/Ubuntu: sudo apt install poppler-utils, then install Ollama from ollama.com/download
ollama pull qwen3:8b
pdftotext -layout itemized-bill.pdf bill.txt
pdftotext -layout eob.pdf eob.txt
# paste the audit prompt from this guide into prompt.txt first
ollama run qwen3:8b "$(cat prompt.txt) ITEMIZED BILL: $(cat bill.txt) EOB: $(cat eob.txt)"Subject: Billing dispute - account [ACCT], dates of service [DATES]
I reviewed my itemized bill against my insurer's Explanation of Benefits and found these problems:
1. Line [#], [CODE] [DESCRIPTION], [DATE]: charged [TIMES] times; my records show [ONE].
2. Line [#], [CODE]: billed to me, but my EOB shows patient responsibility of $[AMOUNT].
3. Line [#], [CODE]: [service I did not receive / dated after discharge].
Please correct these lines, send a revised itemized bill, and keep the account out of collections while this is reviewed.
[YOUR NAME] [PHONE]For any denied claim or prior authorization. You need the denial letter, your plan documents and, ideally, a letter from your doctor. Nothing is sent to your insurer until you send it.
Claude (web or desktop, any plan):
Customize > Connectors > + Add > Add custom connector
Name: Fight Health Insurance
MCP server URL: https://www.fighthealthinsurance.com/mcp
Authentication: No sign in
ChatGPT (web, Plus/Pro/Business):
chatgpt.com/plugins > Add > Create custom MCP server
(if missing: Settings > Security and login > Developer mode on)
Server URL: https://www.fighthealthinsurance.com/mcp
Authentication: No authentication
Then type @Fight Health Insurance in a chat# Claude Code
claude mcp add --transport http fight-health-insurance https://www.fighthealthinsurance.com/mcp
# Codex CLI
codex mcp add fight-health-insurance --url https://www.fighthealthinsurance.com/mcpHi Dr. [NAME],
[INSURER] denied [TREATMENT/DRUG/TEST] on [DATE] as "[DENIAL REASON from the letter]". I'm appealing and the deadline is [DATE].
Could you write a letter of medical necessity covering:
- my diagnosis and how long I've had it
- treatments already tried and why they failed or can't be used
- why [TREATMENT] is needed now and the risk of not having it
- any guidelines or studies that support it
Please send it to me or fax it to [APPEALS FAX] with claim [CLAIM #]. Thank you!Subject: Request for external review - claim [CLAIM #]
My plan, [PLAN NAME], issued a final adverse determination on [DATE] upholding the denial of [SERVICE]. I request an independent external review.
[Add "expedited" and why if waiting would seriously harm my health.]
Enclosed: the final denial letter, my internal appeal, my doctor's letter of medical necessity, and the relevant medical records.For bills you're paying without insurance, or any hospital bill you can't afford. Both routes can cut the amount you owe even when there's no billing error.
Before you start, check:
Care was on or after Jan 1, 2022
You were uninsured or chose not to use insurance (self-pay)
You got a good faith estimate (GFE) in writing
Bill total minus GFE for that provider >= $400
Within 120 calendar days of the first bill
File at: cms.gov/medical-bill-rights/help/dispute-a-bill
Help desk: 1-800-985-3059
Fee: $25 (deducted from what you owe if you win)Subject: Financial assistance application - account [ACCT]
Please send me your Financial Assistance Policy, the plain-language summary and the application for my account [ACCT] (dates of service [DATES]).
While my application is pending, please pause collection activity on this account.
Household size: [#] Annual household income: $[AMOUNT]Written for this setup. Replace anything in [brackets] before you send it.
You have both documents, with personal details removed.
I've uploaded my itemized medical bill and my insurer's Explanation of Benefits (EOB) for the same dates of service. Act as a careful medical billing auditor. 1. Make a table matching every bill line to an EOB line: date, CPT/HCPCS/revenue code, description, quantity, billed, allowed, plan paid, my responsibility. 2. Flag: duplicate charges, quantities that don't fit the stay, charges dated after discharge, unbundled codes that are normally billed together, lines missing from the EOB, and any amount I'm billed above the EOB's patient responsibility. 3. For each flag, quote the exact line, explain why it may be wrong in plain words, and rate your confidence (high/medium/low). Don't guess what a code means; if you're unsure, say so and tell me what to ask the billing office.
An EOB or denial letter you don't understand.
Explain this Explanation of Benefits line by line in plain English: what was billed, what my plan allowed, what it paid, what went to my deductible, coinsurance or copay, and what I actually owe. Translate every reason or remark code (like CO-97 or PR-1) into a sentence. Then tell me which lines, if any, look like they were denied and could be appealed, and what information the insurer probably wants.
After the audit, for the biggest charges.
Here are the codes and charges from my bill: [CODE - DESCRIPTION - CHARGE, one per line]. My ZIP code is [ZIP] and I'm [insured in network / out of network / uninsured]. For each code, tell me what to search on FAIR Health Consumer and the Medicare Physician Fee Schedule Look-Up, what range would be normal, and which charges look high enough to question. Don't make up prices: give me the lookups to do, and I'll paste the results back.
You've confirmed specific errors.
Write a short, polite but firm billing dispute letter to [PROVIDER] for account [ACCT]. Errors I've confirmed: [paste the flagged lines and why each is wrong]. Ask them to correct each line, send a revised itemized bill, and keep the account out of collections while it's reviewed. Number the issues, include the dates and codes, keep it under one page, and end with a 30-day response request. Use placeholders for my name and contact details.
Claude or ChatGPT with the Fight Health Insurance connector on.
Using Fight Health Insurance, help me appeal this denial. [Paste the denial letter with name and member ID replaced by placeholders.] First tell me which appeal rules apply to my plan type, my deadline, and the insurer's appeal contact. Then get draft appeal letters. Before you send my letter anywhere, show me exactly what you'll send and wait for my OK. After the drafts come back, list every study, guideline or law each letter cites so I can verify them.
Any AI chat.
Write a first-level internal appeal letter to [INSURER] for claim [CLAIM #], denied on [DATE] for: "[exact denial reason]". Treatment: [WHAT]. Diagnosis: [WHAT]. Treatments already tried: [LIST]. My doctor supports it because: [REASONS]. Address the exact denial reason, quote the relevant part of my plan document [paste it], request a full review by a qualified clinician, and ask for a copy of the claim file and criteria used. Don't cite any study or guideline unless I've given it to you; leave [CITATION] placeholders instead.
Before you call.
I'm calling [billing office / insurer] about [the problem]. Give me a call script: how to open, the 5 most important questions to ask, what to say if they say it's correct or refuse, how to ask for a supervisor, and what to request in writing. Add a note-taking template for the date, time, rep's name, reference number and what they promised.
Bill is correct but you can't pay it all.
I owe [AMOUNT] to [HOSPITAL/PROVIDER], a [nonprofit / for-profit] hospital, for [SERVICE]. My household income is about [AMOUNT] for [#] people, and I can afford about [AMOUNT] a month. FAIR Health shows a typical price of about [AMOUNT]. Write a script and a short letter asking for (1) financial assistance screening, (2) a self-pay or prompt-pay discount toward the typical price, and (3) an interest-free payment plan, in that order. Remind me to get the final agreement in writing.
Related guides: How to negotiate bills and get refunds with an AI agent · How to scan and organize receipts and paperwork with AI (ChatGPT, Paperless-ngx) · How to use AI agents for fitness and health · How to run a private ChatGPT at home on your own computer (Ollama + Open WebUI) · How to use AI for taxes, bills and budgets: build a budget from bank CSVs, catch bill increases and check your tax return · How to review contracts, leases and fine print with AI
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BrianRoemmele shared a Grok Bot medical bill auditor that reviews bills for errors.
Set up a finance bot that asked for his healthcare portal login and found a year-old surgery bill that had gone to collections without his knowledge.
A Show HN shared an app created with Gemini that uses Pennsylvania insurance law to help people improve their health insurance appeals.
When a receipt from his massage therapist arrives by email, his agent logs into the insurance site, files the claim, stores the receipt, watches for the "claim processed" email and adds each claim to a dated spreadsheet with receipt links for tax time, for him, his wife and his kids.
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