FixKit AI

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💬 AI prompt: Read your EOB before you pay any bill

The 'Explanation of Benefits' letter from your insurance shows what you really owe, so check it before paying the doctor's bill.

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Below are an Explanation of Benefits and a provider bill for the same visit, with personal details removed. Line them up by date of service and service. For each line show: billed, allowed, plan paid, 'you owe' on the EOB, and the amount on the bill. Flag any line where the bill asks for more than the EOB says I owe, any duplicate, and any service I may not recognize. Do not give me medical, legal or financial advice and do not diagnose anything. Stop after the table and a list of questions to ask the billing office.

[paste EOB]
[paste bill]

How to use it

  1. Open Grok Bot, ChatGPT, Gemini or Claude — any of them works.
  2. Paste the prompt and fill in every [bracket]. Black out names, account numbers and member IDs first.
  3. Read the answer and double-check anything important before you act on it.

Not medical, legal or financial advice. The AI drafts; you decide and you press send.

Read the card →

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Know what kind of plan you have

Who makes the rules for your insurance — your state, your employer, or Medicare — decides where you complain when something goes wrong.

What prior authorization really is

Prior authorization means your insurance wants your doctor to prove you need a medicine or test before they'll pay for it.

Rung 1: peer-to-peer and a resubmission

Before a formal appeal, your doctor can call the insurance company's doctor and explain why you need the treatment.