Medical bill + EOB mismatch

Denial Decoder + Appeal Packet

Upload or organize your bill, EOB, and denial letter. Turn the mess into a plain-English breakdown, missing-evidence checklist, appeal draft, and call scripts you can review before taking the next step.

You decide what to question and what to send. Informational tool, results vary, no legal or medical advice.

Build sample packet →Already denied? See the appeal files

Intake questions

What we need to organize first

1What document did you receive: bill, EOB, denial letter, or all three?
2What amount is the provider billing you for right now?
3What did the EOB say was allowed, adjusted, paid, or patient responsibility?
4What denial code or plain-English reason appears on the EOB or denial letter?
5What deadline, appeal address, or phone number is listed on the denial notice?
6What supporting records do you already have: referral, prior authorization, doctor note, itemized bill, receipts, screenshots, or call notes?

Sample EOB comparison

The first screen should slow down panic-paying.

Provider bill total$1,284Hospital says patient balance is due
EOB allowed amount$742Plan allowed less than the billed amount
EOB paid amount$520Plan paid part of the allowed amount
Patient responsibility$222Possible amount to compare before paying

Local packet preview

Review-ready sample output

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Fill the intake or load the demo to generate a local packet preview.

When the sample is not enough

The packet above is a template. These are written against your denial.

A denial is a decision made under a specific plan rule, and an appeal that does not name that rule gets the same answer twice. The paid files name it, cite the regulation that gives you the deadline, and go to the people who can overturn it.

$19once

Denial Appeal Kit

  • • Plain-English reading of the denial code on your EOB
  • • Internal appeal letter written against that specific denial reason
  • • External review request letter for when the insurer says no twice
  • • The appeal deadlines that apply to your plan type, so the 180-day window does not close on you
$39once

Full Escalation File

For a denial worth thousands. Every step after the first appeal, including the two most people never find out about.

  • • Everything in the Complete Case File
  • • Complaint to your state's insurance regulator, which is the step insurers actually track
  • • ERISA plan document request to your plan administrator, the letter that forces the plan to hand over the rules it denied you under
  • • Escalation letter to your employer as plan sponsor, for self-funded plans where the employer, not the insurer, pays the claim
  • • Your appeal deadline calendar, with the real dates counted from your denial notice

If it does not do what you needed, refund yourself at cleverdispute.com/refund. No email, no review, and you keep every document.

One payment, no subscription, no percentage of anything you save. Full pricing: cleverdispute.com/pricing.

Boundaries

No legal, medical, insurance, or financial advice.
No guaranteed savings and no guaranteed appeal result.
You review, edit, and submit anything yourself.
Do not upload or paste sensitive records into public chat or email.