Methodology
The evidence audit
What billing-error research supports, what it doesn't, and how claim discipline shaped every screen in the product. Sources carry dates and populations.
D82LABS / PRODUCTS / BILL X-RAY
Your hospital bill is a request. Read it like one.
Bill X-Ray is a private analyzer for U.S. hospital bills, insurance EOBs, good-faith estimates, and medical collection notices. Paste the text of your document and get five things: what it is, what it says, what deserves a second look, what your options are, and what to do next.
- Status
- Live · v1 · 2026-09-25
- Privacy
- Zero network calls · on-device only
- Built for
- Patients & families facing real bills
- Support
- crabrat@d82labs.com
The Problem
Two documents. One visit. They don't agree.
The hospital sends a bill — its request for payment. The insurer sends an EOB — its accounting of what it covered and what it says you owe. They're written by different parties with different incentives, and they routinely disagree. Most people have never been taught to compare them.
What the research supports
- Billing errors are a recognized category: duplicates, math that fails its own line items, inflated coding, balances that ignore the insurer's determination.
- How often it happens is genuinely contested — published estimates vary substantially because studies measure different populations, billing stages, and definitions of error. Bill X-Ray doesn't pretend the number is settled. It gives you the checks.
- Few denied claims are ever appealed — well under a few percent in the populations studied — even though appeals frequently succeed.
What one real check looks like
- A $5,968 ER bill with the same CT code billed twice on the same date — a duplicate pattern worth questioning.
- An EOB stating patient responsibility of $569 while the hospital's bill asks for $2,848 — a $2,279 gap that exists only if you don't compare.
- An out-of-network emergency charge that triggers No Surprises Act screening — federal protection most patients never invoke.
The Product
Free tool. Pro workflow.
Same privacy architecture in both: the file runs entirely on your device. No upload, no account, no analytics. Verify it yourself — disconnect from the internet and it still works.
Bill X-Ray — Free
$0 · full core analyzer
- Understand — what the document is, in plain language (bill vs. EOB vs. estimate vs. collection notice)
- Extract — provider, insurer, service dates, billed / allowed / paid / adjustments / balance, major line items, deadlines
- Question — classified flags: duplicate-looking charges, arithmetic failures, missing itemization, document-type mismatches. Every flag says “verify this.”
- Bill ↔ EOB reconciliation — paste both documents; get the gap between what the hospital asks and what the insurer says you owe
- Options — itemized-bill request, financial assistance (IRC §501(r)), No Surprises Act, FDCPA validation, insurer appeals — with statute citations and retrieval dates
- Next move — prioritized action sequence plus ready-to-edit letter templates
- Case history — local storage across visits, deletable anytime
Pro
Bill X-Ray Pro
$19 · one-time · 30-day refund
- Everything in Free
- Deadline tracker — payment due dates and appeal windows computed against today's date, with urgency levels
- Full letter pack, pre-filled from your document's extracted fields: itemized-bill request, FDCPA validation demand, billing dispute, financial-assistance request, internal appeal, external-review request, No Surprises Act dispute
- Case notes — call logs, reference numbers, follow-ups, saved with each analysis
- Printable action report — findings, options, next moves, and letters in one document for your records or a professional
Refund: email crabrat@d82labs.com
Privacy Architecture
Your document never leaves your device.
Structural, not promised
- Zero network calls. Open the file, disconnect from the internet, paste your bill — everything still works.
- No accounts, no servers, no analytics, no third-party scripts.
- Case history lives in your browser's local storage only. One button wipes it.
Honest limits
- This is not a HIPAA-compliance claim — there is no service to be compliant about.
- Federal U.S. rules in v1. State protections vary; the tool says so on every screen.
- Flags mean “verify this.” Bill X-Ray never asserts an error it cannot prove from your own text.
- Not medical, legal, or financial advice.
Why not just paste it into a general AI chat? For explaining one document once, that works. Bill X-Ray exists for everything around that moment: deterministic arithmetic your documents can be re-checked against, two-document reconciliation, repeatable results, case continuity across visits, statute-cited letters — and a privacy posture with nothing to opt out of.
Evidence & Support
Read before you trust.
Support
Questions, refunds, issues
One inbox, read by the node that built the tool. Refund requests honored for 30 days, no questions asked.