Start with a fictional medical bill: see what changes if you still owe it or already paid. Then explore a denial, its supporting documents, and the draft appeal they inform.
Scripted example with fictional documents. No real customer result or outcome prediction.
Free to check. $9 only if you prepare a supported appeal.
Start with what happened to you
Choose the situation closest to yours. Each one shows the next step.
Demo · Insured bill
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.
Fictional case · illustrative analysis
The case file — three documents, read together
NOTICE OF DENIAL OF MEDICAL COVERAGE
Kentbrook Health
Kentbrook Medicare Advantage (HMO)
No user facts — every detail comes from the documents on screen.
No coverage rule cited · No reviewing clinician named
Document 2 · 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.”
The plan’s own coverage rule — the standard the denial has to answer to.
Document 3 · 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.”
The hospital’s record — daily skilled therapy ordered, and no safe way home.
Your first review each month is free
Upload your denial letter, medical bill, or collection notice. Lysco reads it, shows you where you stand, and drafts the appeal when your documents support one.
Free to check. $9 only if you unlock the appeal.
A denial can be correct, incomplete, or worth appealing. The documents decide which.
The first step is separating what the notice says, what your own records confirm, and what still needs verification.