$220 billion
owed in US medical debt today.
About Lysco
Healthcare paperwork should not need a lawyer.
We read your medical paperwork, explain what it actually says, and — when the facts support it — write a draft you can review and send yourself.
Why we built this
The rules say you can fight. Almost no one does.
KFF reported that HealthCare.gov insurers denied about 19% of in-network claims in 2023, while consumers formally appealed fewer than 1% of those denials. Appeal rights and deadlines vary by plan and claim. Lysco was built to make the document review and self-service preparation easier, without pretending every denial is wrong. Source details and limitations are published on our Research page.
100 million
Americans are carrying medical debt.
45%
of insured working-age adults got a bill in the past year for care they thought was covered.
What you can count on
Four rules we will not break.
We are new, so we have not earned long-term trust yet. What we can do is be specific about how we work — and be the kind of specific you can hold us to.
01
One full document read each month.
The free plan includes one shared core document analysis each month. If the available evidence says a charge appears correct, key facts are missing, a deadline may have passed, or professional help is safer, the result says so before any eligible per-case checkout is offered.
02
Flat $9 per case. Never a percentage.
For an eligible denial, medical bill, surprise-bill dispute, or medical-debt case, $9 unlocks the finished letter and step-by-step instructions. Prior-authorization letters and additional core analyses require Pro. Lysco never takes a percentage of a reported recovery.
03
Your documents never train AI.
Lysco does not use your documents or case data to train models. TLS and provider encryption protect data in transit and at rest; selected fields such as extracted text, case analysis, letters, member IDs, bill line items, and assistant memory receive an additional application-level encryption layer. The Privacy Policy names the fields that do not yet have that second layer.
04
You review, sign, and send every letter yourself.
We write the draft, find the right address, build the checklist, and remind you when to follow up. But the final word is always yours. We are informational software — we do not negotiate, file, or represent.
Support
Reachable when something is unclear.
If something is confusing, appears wrong, or blocks a real case, contact the support address below. Do not include more health information than is necessary in ordinary email.
In brief
What Lysco is
Lysco is a US-only software service that helps consumers review and respond to health-insurance and medical-billing paperwork. Its six core workflows cover denied insurance claims, medical bill errors, explanation-of-benefits statements, surprise-bill disputes, prior authorization, and medical debt.
Users upload a document — such as a denial letter, medical bill, explanation of benefits, or collection notice — which the service analyzes using artificial intelligence to identify the relevant issues, deadlines, and applicable rules, and to draft correspondence such as appeal or dispute letters. Lysco is informational software: it prepares analyses, drafts, and self-service materials that users review, edit, sign, and submit themselves. It does not provide legal or medical advice, and does not represent users or submit, negotiate, or file documents on their behalf.
Lysco operates on a freemium model: the free plan includes one shared core document analysis each month and unlimited EOB translation. Eligible denial, bill, surprise-bill, and medical-debt cases can unlock the finished letter and instructions for a flat per-case fee; monthly and annual plans cover additional use. The service operates at lysco.com.