Medical bills and health insurance
Upload your bill or denial for an automated review. Lysco explains what to check and drafts an appeal or billing dispute when your documents support one. You review and send it.
Choose your document. We’ll take you to the right place.
Your documents remain yours.
How it works
A photo or a PDF works. Insurance statements (EOBs) and collection notices too.
The review also explains when the documents do not support an appeal or dispute.
A draft to review and sign, plus a checklist of what to attach and where to send it.
When the reply comes, add it to the same case.
Follow the money
Lysco compares your bill with your insurance statement and explains differences in plain words. The billing office confirms any correction.
Start with what happened to you
Choose the situation closest to yours. Each one shows the next step.
Outpatient visit and tests · August 18, 2026 · Claim DEMO-CLAIM-01
A claim summary, not a bill or payment receipt.
A payment may be missing
The EOB lists a $600 insurance payment. The bill credits $0. Lysco can flag the difference and help you prepare what to ask.
See where the numbers come from Open a source below
Insurance statement · EOB Fictional sample · Page 1
Insurance paid$600
August 18, 2026 · Claim DEMO-CLAIM-01
The amount the insurer reports paying for this claim.
The bill Fictional sample · Page 1
Insurance payment credited$0
August 18, 2026 · Claim DEMO-CLAIM-01
The bill has not credited that payment. The billing office needs to confirm why.
Insurance statement · EOB Fictional sample · Page 1
Your share for this claim$150
August 18, 2026 · Claim DEMO-CLAIM-01
This is the EOB’s patient share, not proof of what you have paid.
$600 reported paid − $0 credited = $600 to check. This difference is not confirmed savings.
If the billing office confirms and applies the missing payment
Ask for an updated statement. The billing office must confirm the payment and final account balance.
Phone script · You make the call
My bill for August 18, 2026 shows $750 before my payments. My EOB for claim DEMO-CLAIM-01 lists $600 paid by insurance and $150 as my share. Could you confirm you received that payment and explain the difference?
If the insurance payment is missing from my account, please apply it and send an updated statement.
Match the doctor or hospital, service date and final claim first. A bill sent before a payment posts, or a newer EOB, may explain the difference. You contact the billing office. It confirms any correction or refund.
Compare my EOB and bill—freeSample assumptions: in-network care, deductible already met, 20% coinsurance, one final claim and no other charges. A valid deductible, copay or coinsurance can still be yours to pay. An EOB does not confirm your payments or guarantee a refund.
Unpaid example. Bill balance $750; EOB patient share $150. $600 to question, not confirmed savings.
1.2 seconds
300,000+ claims denied by one insurer’s automated system — 1.2 seconds of average review each.
Read the reporting (2023)The appeal gap
2026 federal review of Medicare Advantage skilled-nursing admission denials.
82%
of Medicare Advantage skilled-nursing denials were never appealed, in a 2026 federal review.
95%
of appealed denials in that review were overturned. This is not a prediction for your case.
Published US figures, not Lysco customer outcomes. The paired percentages concern the same skilled-nursing review; none predicts your case.
Fictional example · The case
A rehab stay after hip surgery, denied. See how the denial, plan terms, and care record lead to a draft appeal.
Denial notice
The information we received does not show that you need daily skilled care. Your needs can be met at a lower level of care, such as home health services.
Reason found — and no coverage rule cited
Plan terms
“Skilled nursing facility care is covered when you need daily skilled nursing or rehabilitation services that, as a practical matter, can only be provided in a skilled nursing facility.”
“You have 65 days from the date of a denial notice to ask us to reconsider. If we say no again, your case is sent automatically to an independent reviewer.”
The plan’s own rule — daily skilled care, in a facility
Discharge summary
“Non-weight-bearing on the left leg for six weeks. Daily physical and occupational therapy required. Lives alone in a second-floor walk-up; discharge home is not safe.”
Recommended: skilled nursing facility, estimated 20 days. Self-pay estimate if denied: $580 per day.
The record — daily therapy ordered, no safe way home
Daily therapy, in writing.Evidence for an appeal. Lysco builds the appeal from exactly this — scored below.
Check complete
Strong appeal candidateDocument support, not the chance of winning
The documents needed to assess the denial are presentBaseline
The denial notice, the plan terms, and the discharge summary are available together. The actual receipt date still needs confirmation before filing.
The plan’s own coverage rule is metClinical
The plan covers a skilled nursing stay when daily skilled therapy or nursing is needed; the discharge summary orders daily physical and occupational therapy and rules out a safe discharge home.
Required notice elements are missingProcedural
The notice cites no coverage rule and names no reviewing clinician — and it never says which Medicare criteria it applied.
No individualized explanationReasoning
The denial never says why daily therapy, six weeks off the leg, and no one at home add up to a lower level of care.
The plan can re-review the recordCaution
A clinical re-review could weigh new criteria — the discharge summary and the therapy orders must be attached, not summarized.
You denied request 2026-PA-118204 — a skilled nursing stay after hip surgery — as not medically necessary, saying daily skilled care is not needed. The plan’s own terms say otherwise.
The plan covers a skilled nursing stay when “daily skilled nursing or rehabilitation services” are needed and can only be given in a facility. The attached discharge summary orders daily physical and occupational therapy, six weeks with no weight on the leg, and states that going home alone to a second-floor walk-up is not safe.
Please reverse the denial and handle this as a fast appeal: waiting would seriously harm my recovery. The plan terms give a 65-day appeal window ending May 18, 2026.
You review it. You sign it. You send it.
Fictional worked example: March 14, 2026 notice; May 18, 2026 deadline. Before sending, confirm the actual deadline and whether the request is being filed on time.
Simple pricing
Pay only when your documents support an appeal or billing dispute. One payment covers one case.
No subscription needed. See all plans
Common questions
No. Lysco prepares your appeal or billing dispute, an evidence checklist, and step-by-step instructions. You decide if and when to send it. We never call, mail, fax, or speak to your insurer, hospital, or a collector for you.
No. Uploading a document does not start an appeal or contact anyone. Before sending anything, check the instructions and deadlines that apply to your case.
Your documents are stored privately and used only to prepare your review. Files and the sensitive text read from them are encrypted. You can delete cases and files from Settings. Limited backup copies and security, deletion, consent, or payment records may remain for the periods described in the Privacy Policy.
The review explains when your documents do not support an appeal or billing dispute. A paid draft is offered only when they do.
A medical bill, an insurance denial, an insurance statement (EOB), a Good Faith Estimate, a collection notice, or a prior-authorization decision — as a photo, a PDF, or pasted text, up to 10 MB per file. One document is enough to start; you can add more to the same case later.
No. The review is automated. Every appeal or billing dispute is a draft you read, edit, and sign yourself. Lysco is not a law firm or a licensed advocate. You can share the draft with a qualified professional for advice.
The first review says what it could not find — a deadline, a plan rule, a reason code — and what to gather. You confirm the facts before any appeal or billing dispute is prepared.
Email support@lysco.com. The Help page answers the common questions about uploads, pricing, and deleting your data.
Start your review
Create a free account, then upload a photo or PDF. Your first review each month is free.
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