AI healthcare advocate
Unbill handles the paperwork, deadlines, and bills so you can focus on what comes next.Unbill steps in when healthcare leaves you alone with the paperwork, the deadlines, and the fear of what you actually owe.
Our story
On a Friday afternoon, my wife was diagnosed with breast cancer. The care team closed for the weekend. We spent the next four days with no clear next step, no persistent case, and a growing pile of questions the system wasn't built to answer.
That experience, along with the bills, the Reddit threads, and the institutional friction that followed, became Unbill. We built the advocate we wished we'd had: one that stays with you, cross-checks every record, and prepares the evidence-backed response when the system wants faxes and tight deadlines.
The paperwork, finally working together
Watch demoWhat patients are up against
U.S. health care spending, 2024
$5.3T
National health expenditures reached $5.3 trillion and accounted for 18% of the U.S. economy.
$5.3 trillion is a national total. Families experience the system one bill, one premium, and one unexpected cost at a time.
CMS National Health Expenditure data, 2024What people owe
$220B+
The federal estimate counts reported medical debts above $250 and caps each person’s reported debt at $225,000.
Medical debt turns the cost of care into decisions about food, housing, and every bill that comes next.
Peterson-KFF Health System TrackerWho carries it
100M
KFF’s broad 2022 measure included medical or dental bills, payment plans, credit cards, bank loans, and money borrowed from family or friends.
The appointment ends, but the financial strain follows people home.
KFF Health News and NPR, 2022Billing errors
43%
The 2022 KFF survey asked about bills received during the previous five years. This measures suspected errors, not a confirmed national error rate.
Among adults with health care debt who received a bill they thought was wrong, 32% said a disputed bill had been sent to collections.
KFF Health Care Debt Survey, 2022Industry estimate
Billing advocates and other health professionals have estimated that up to 80% of medical bills contain errors. Becker’s reported the estimate in 2016; it is not a representative national survey rate.
Becker’s reporting on Medical Billing Advocates of America, 2016The appeal gap
<1%
of denied HealthCare.gov in-network claims were appealed internally by consumers.
44%
of appealed denials were reversed by insurers.
Appeals were rare, but insurers reversed 44% of the denials consumers appealed.
KFF HealthCare.gov in-network claim denials, 2023How Unbill helps
Paying is easy. Challenging a mistake still means paper forms, fax machines, and tight deadlines.
Watch demoEvidence first
Sometimes clarity means the bill is correct. Unbill shows what the evidence supports, not what produces the most alarming result.
Privacy built in
Healthcare records use a protected AI path through Amazon Bedrock, a HIPAA-eligible AWS service covered by Unbill’s AWS Business Associate Agreement.
Read how Unbill protects your informationNot training material
Your records and AI responses are not used to train foundation models or shared with model providers.
Private to your account
Case access is scoped to your account. Another customer cannot use your records in their answers.
Encrypted and in your control
Clinical records are encrypted at rest. Connections are read-only, and you can disconnect them.
Ask Unbill
Ask about an EOB, CPT code, denial, or hospital charge. Unbill checks the answer against your records and applicable statutory protections, so you can see what to question, what to gather, and what to do next.
Ask UnbillAsk about a bill, EOB, denial, or what happens next.
Conversation context
General question
No case or document attached
No Case or document is attached. Ask Unbill can explain billing and insurance questions in general. Conversations are saved to your account.
Start anywhere
You don’t have to know which records matter. Start with what you have, and Unbill will show you what’s missing.
Connected records
Medical records availableConnect supported MyChart and Oracle Health portals to bring read-only notes, conditions, and procedures into the same case as your bills and EOBs. Unbill is also validating read-only health-plan connections for claims, coverage, allowed amounts, and member responsibility. You do not have to retype details or reconcile the paperwork alone.
Medical-record connections are available for eligible cases. Health-plan connections remain in a synthetic test sandbox before broader release.
Medical-record connection
MyChart / Health Records
Connect a supported hospital portal
Health-plan connections in testing
Availability will depend on each plan and connection source. Plan names are examples, not partnerships or endorsements.
Expanding soon
We are bringing Unbill’s AI healthcare advocacy engine to VA Community Care claims, helping veterans bring records, bills, and coverage details together in one clear case.
For benefits partners
Pair automated, evidence-backed bill review with statutory dispute preparation so families get clearer answers and benefits teams avoid case-by-case paperwork.
Membership
Phase 1 was a small, free private beta focused on validating the core Unbill experience. Phase 2 is a paid founding-member beta for a limited group helping us test the full advocacy experience end to end.
Phase 2 · Request access
A limited number of founding members get Plus at the planned Core price.
Pay annually and save $45 (25%) vs. 12 monthly payments.
As a thank-you for helping us shape Unbill, your founding Plus price is guaranteed for the first 24 months from activation. After that, then-current Plus pricing may apply.
Some Plus capabilities are available or in testing now; others are under development.
Requesting access does not start a membership or charge you.
The Plus tier
As new Plus capabilities are released, founding members who remain eligible on the founding plan receive them during their founding-price period.
Some capabilities are still under development. Availability varies by source and connection; no release date is guaranteed.
Expected public Plus pricing: $30/month or $270/year (save $90/year, 25%).
Planned Core pricing: $15/month or $135/year (save $45/year, 25%).
No percentage taken from your healthcare savings. No success fee.
ChatGPT Health is an informational assistant for summarizing clinical data and tracking personal wellness. Unbill is an evidence-driven healthcare financial advocacy platform built around the financial case.
Focus: ChatGPT Health helps you understand lab results and medical history. Unbill examines itemized bills, billing errors, denials, and medical debt.
Action: ChatGPT provides conversational insights. Unbill runs forensic reviews across bills, EOBs, clinical records, and CPT codes, then prepares evidence-grounded appeal materials for your review when the records support action.
Enterprise scale: Unbill is designed to integrate with self-insured employer benefit plans through outcome-based economic models that reduce administrative waste.
In short: ChatGPT helps you understand your health data. Unbill helps you fight an unsupported medical bill.
Your medical information stays private and under your control. Case information remains behind your authenticated account, and access is scoped to the authorized household member and Case.
Uploaded documents are stored privately and encrypted at rest. Unbill does not sell personal information, and customer uploads are not used to train public foundation models.
Notifications are content-minimized, so sensitive details like diagnoses, balances, provider names, and records stay behind sign-in. Connected records are read-only where applicable and can be disconnected.
Consequential actions — such as sending an appeal or contacting an outside party on your behalf — require your review and authorization.
See the Privacy Policy for current handling details.
