Dealing with medical bills can be overwhelming, especially when you’re not sure if you’re being charged correctly or if your insurance is paying what it should. Fortunately, tools like ChatGPT can help simplify the process—saving you both time and money.
Here’s how to use ChatGPT to get help with your medical bills:
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Step 1: Upload Your Explanation of Benefits (EOB) and Medical Bills
When you receive treatment, you’ll likely get two things:
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A bill from your provider, and
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An Explanation of Benefits (EOB) from your insurance company.
You can upload both documents into ChatGPT (if using a version with file-upload capabilities). ChatGPT can help you compare the billed amounts, allowed amounts, and what the insurance covered. It can flag anything unusual—like charges for services you didn’t receive or costs your policy shouldn’t cover.
Tip: Scan or take clear photos of the documents and upload them directly into the chat. You can say something like:
“Please check if this bill and EOB match and let me know if there are any discrepancies.”
Step 2: Upload Your Insurance Policy or Coverage Summary
Most people never read the fine print in their health insurance policy—but ChatGPT can! Upload your policy coverage or Summary of Benefits, and ask:
“According to my policy, should this service be covered?”
ChatGPT can scan through the jargon and tell you whether something should be covered, what the copay or deductible should be, and if you’ve already met your out-of-pocket maximum.
Step 3: Ask ChatGPT To Spot Red Flags
Some things ChatGPT can help identify:
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Duplicate billing
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Upcoding (billing for a more expensive procedure than was performed)
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Services that should have been covered but weren’t
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Out-of-network fees you didn’t approve
Step 4: Get Help Writing Dispute Letters
If you spot a mistake or denied coverage, you can ask ChatGPT to help you write a professional appeal letter to your insurance company or provider. Just describe the issue and say:
“Can you write a letter to dispute this charge and request a corrected bill?”
Bonus Tip: Use ChatGPT To Budget Future Medical Expenses
Upload a treatment plan or estimate and your policy, and ask ChatGPT to calculate your estimated out-of-pocket costs, including copays, deductibles, and coinsurance. This can help you plan financially or even shop around for better pricing.
Final Thoughts
Medical billing is confusing on purpose—but now you have a powerful tool in your corner. Whether you’re double-checking a charge or preparing to call your insurance provider, ChatGPT can guide you through it all. The more informed you are, the more likely you are to pay only what you truly owe.
Let AI do the hard part—so you can focus on your health, not your bills.
