Quick answers when you need them.

Anything from your insurance company, a hospital, a doctor’s office, or a collection agency.

Most common:

• Denial letters (the "we’re not paying" notice from your insurer)
• EOBs — that’s short for Explanation of Benefits, the statement your insurer sends after a visit
• Hospital and doctor bills
• Good Faith Estimates (the written price you were given before a procedure)
• Prior authorization letters
• Collection notices

You can upload a phone photo, a PDF, or a screenshot. You don’t have to type anything. We read the document and explain — clearly, line by line — what each part means and whether anything looks wrong.

Yes — a free account takes about 30 seconds (just an email and password) and unlocks the whole product. We use it so we can save your analysis, track your appeal deadlines, hold the documents you’ve uploaded, and let you come back later to generate or revise letters.

There’s no credit card and no paid plan involved — the free account stays free. You can use unlimited EOB translation and run one free analysis across any paid workflow without ever entering payment details. Generating the ready-to-sign letter is a flat $9 per case. You can export or delete everything at any time from Settings → Privacy.

No. You never enter payment details to run an analysis or translate an EOB. Nothing is charged and no card is stored.

A credit card only comes into play if you decide to do one of three things: unlock a case to generate its ready-to-sign letter for a one-time $9, subscribe to Pro ($19/month), or go Annual ($149/year). Until you click "Check out" on a paid option, everything stays free. You can read your full analysis, see your rights and deadlines, and even decide not to act — all without paying a cent.

Here’s what happens in the next three minutes.

1. The AI reads your document — even phone photos or handwritten notes.
2. It pulls out the key details: what was billed, what was paid, the denial reason (if any), the amount you owe, and the deadline to respond.
3. It cross-checks everything against fair-price databases, Medicare rates, your state’s insurance laws, and clinical guidelines.

You then see a clear report: what the document actually means, how much of the charge looks fair, what looks wrong, what your rights are, and how many days you have to act. If the situation calls for a letter, you can generate one — appeal, negotiation, or surprise bill dispute — with the right legal citations already included. You review it, edit anything you want, and send it yourself.

Three main categories.

Wrongful denials: a procedure that your plan should have covered but the insurer refused to pay for. Common examples include medical-necessity denials that ignore recent clinical evidence, out-of-network surprise charges that violate the No Surprises Act, and denials based on the wrong plan document.

Inflated charges: upcoding (billing for a more expensive service than you received), duplicate charges for the same item, unbundling (splitting one service into several to charge more), and hospital prices that are several times what Medicare pays for the same code.

Coding errors: the wrong CPT code (the numeric code for what the doctor did), the wrong ICD-10 code (the numeric code for your diagnosis), a missing modifier, or a procedure that doesn’t match the diagnosis. Coding errors alone drive most claim denials, and they’re often fixed with a single phone call once identified.

Here’s the whole pricing model.

Free tier (no credit card): unlimited EOB translation, one free document read across any paid workflow, case tracking, and deadline reminders. The first read is free; the letter is the paid step.

Pay per case, one-time: $9 to unlock the ready-to-sign letter and full packet for a denial appeal, a bill review, or a surprise bill dispute. No subscription, no recurring charges, and no fee based on what you recover.

Pro subscription: $19/month, or $149/year (roughly $12.42/month, a 35% savings) for unlimited self-service packets across core healthcare workflows, insurer-specific playbooks, verified (second-pass) analysis, and priority support. Cancel anytime with one click.

Always free, no credit card required:

• Unlimited EOB translation (any insurance statement, as many as you want)
• A full first read on any document — what it means, what looks wrong, and your next step
• Case tracking and deadline reminders
• Your savings history

The ready-to-sign letter is the paid step — a flat $9 per case for a denial appeal, bill review, or surprise bill dispute:

• Appeal letters
• Bill negotiation letters
• Surprise bill dispute packages (including PPDR eligibility check and submission kit)

Prior authorization support letters and medical-debt letters are unlimited on Pro. You only pay when Lysco has identified something actionable and you choose to move forward. Reading the analysis, seeing the issues, and understanding your rights is always free.

Bill Saver is a flat $9 per case. Here’s how it works in practice.

1. You upload a medical bill.
2. Lysco compares every line to Medicare reference rates, regional averages, and your EOB (if provided) to flag overcharges, duplicate charges, unbundled services, and coding errors.
3. We generate a bill review, negotiation letter, and phone script for calling the provider’s billing office.
4. You review everything and decide what to send or say.

Lysco never takes a percentage of savings, never charges a success fee, and never negotiates on your behalf.

The first step is free for everyone: tell us the procedure (MRI, knee replacement, physical therapy, etc.), your insurer, and your plan type, and we’ll tell you whether prior authorization is likely required and what your doctor needs to include to get it approved.

Generating the full prior authorization support letter — with medical-necessity citations, clinical guidelines, and plan-specific approval criteria — is included with Pro ($19/month or $149/year).

Prior auth is different from denial appeals and bill disputes because it’s usually an iterative back-and-forth with the insurer over weeks: peer-to-peer review, denial, formal appeal, sometimes external review. That cadence fits Pro’s unlimited model better than a one-time $9 charge, so we don’t offer prior auth per-case.

Three ways, and each one is the difference between a template and a case.

1. Scope. Free letter generators usually handle one problem — typically just denial appeals. Lysco reads all six kinds of healthcare paper (denials and prior auth, medical bills, EOBs, surprise bills, financial-aid forms, and collection notices) in one place, so the bill, the EOB, and the denial get checked against each other.

2. Rigor. A template fills in your name and hopes. Lysco builds the case from your own documents — quoting your denial letter and records back into the draft — and on paid appeals, every citation in the finished letter is double-checked against your file before you see it. Bills get deterministic checks too: exact-duplicate detection, drug prices compared against reference tables, and the hospital’s own published price-transparency data where it exists.

3. Incentives. Percentage-based negotiators keep 10–35% of what they recover and typically only take large hospital bills — and because they’re paid only when you fight, “this isn’t worth fighting” is advice they can’t afford to give. Lysco charges a flat $9 either way, so the free first read can tell you the truth in both directions. You keep 100% of every dollar.

Yes, always, no questions asked. Cancel from Settings → Billing with one click. There’s no phone call, no email back-and-forth, and no cancellation fee.

You keep full Pro access through the end of your current billing period. For example, if you’re on a monthly plan and cancel on day 10, you stay Pro through day 30, then automatically drop to the free tier. No surprise charges the next month.

All your cases, generated letters, and savings history remain yours whether you come back as a free user, pay per-case, or never return. Annual subscribers who cancel within the first 30 days of the annual term can request a prorated refund for unused months.

Yes. If you’re not satisfied with an appeal letter, bill negotiation letter, or surprise bill dispute package, email support@lysco.com within 7 days of generation. We’ll either rewrite it to address the problem or issue a full refund — your choice.

For Pro monthly subscriptions, you can cancel anytime from Settings to stop future billing. Annual plans are refundable on a prorated basis within the first 30 days of the term.

Every insured person has a legal right to appeal a denied claim — but most people never do, which is why insurers stay profitable on denials that wouldn’t survive scrutiny.

Here’s the process Lysco walks you through.

1. We read the denial letter and identify the exact reason given (for example: "not medically necessary," "experimental treatment," "prior authorization required," or "out of network").
2. We cite the laws that apply to your plan — the Affordable Care Act for marketplace plans, ERISA (the federal law governing most employer health plans), and your state’s insurance regulations.
3. We pull relevant clinical guidelines from major medical bodies (ACOG, AAP, major cancer networks, etc.) that support coverage of your treatment.
4. We generate a customized appeal letter in the language insurers respond to, with all citations included.

You review and edit the letter, then submit it yourself through certified mail, your insurer’s portal, or fax. By law, most insurers must respond within 30 days for pre-service claims and 60 days for post-service claims.

It depends on your plan, the reason for denial, the evidence available, and whether deadlines are met.

Public datasets show two important patterns: consumers rarely appeal denied claims, and many denials involve administrative or plan-design issues rather than a pure medical-necessity judgment. That means the quality and completeness of the appeal package matters.

Lysco does not predict your outcome or guarantee approval. We help you understand the denial, organize the facts, identify relevant citations, and prepare a letter you can review and submit yourself.

A first-level denial is not the end. Under the Affordable Care Act, most health plans are required to offer an independent external review — a decision made by a medical reviewer who does not work for your insurer, and whose decision is binding on the plan. Your insurer must tell you how to request one (usually within 60–180 days of the internal appeal denial), and most states have a free Independent Review Organization that handles the paperwork.

Beyond external review, Lysco’s report also flags other options depending on your case:

• File a complaint with your state insurance department
• File a complaint with the federal Centers for Medicare & Medicaid Services (for Medicare and ACA plans)
• Escalate to your employer’s HR team if it’s a self-funded plan
• Consult a healthcare attorney if the dollar amount is large or the issue involves ERISA

The report lays out the deadline for each option so you don’t accidentally miss a review window.

No. Lysco generates the letter, the supporting citations, the submission instructions, and the follow-up plan — but you review and submit it yourself. We do this deliberately.

First, you stay in complete control of your own case and can edit anything before sending. Second, insurers sometimes treat patient-signed letters differently than letters from third parties — patient letters carry specific weight under HIPAA and consumer protection rules. Third, you’ll be the one continuing the conversation if the insurer follows up, so it’s cleaner if the letter is in your voice from the start.

What we do give you: a ready-to-mail PDF, the correct insurer address for your plan type, instructions for certified mail (recommended for proof of delivery), portal submission steps where available, and a timeline for when to follow up if you don’t hear back.

Yes, and we take several concrete steps to prove it rather than just say so.

• Documents are encrypted with AES-256 at rest (the banking industry standard) and TLS 1.3 in transit.
• Every database table uses row-level security, meaning the database itself refuses to return your data to anyone but your authenticated session — so even if application code fails, your records stay isolated.
• Uploaded documents are automatically deleted after 30 days unless you extend retention yourself from Settings.
• We never sell or share your data with advertisers, insurers, employers, or third parties.
• We don’t run ads against your information and don’t train AI models on your documents.
• Our practices are aligned with HIPAA requirements for protected health information.

You can export or permanently delete all your data at any time from Settings → Privacy.

Only you. Lysco processes your documents using AI (Anthropic’s Claude) and returns the result directly to your account — no human reviewer reads your files.

Our staff cannot access your documents unless you explicitly grant support access for a specific issue. For example, if you email us asking for help with a bad analysis, you can grant temporary access in one click; that access is logged and revocable, and it expires automatically.

Your data is never shared with your insurer, employer, hospital, doctor, or any third party. We don’t sell data, we don’t run ads on your information, and we don’t train AI models on your uploads. Access is enforced at the database layer with row-level security, meaning even a bug in application code cannot leak another user’s data to you or yours to anyone else.

Important upfront: Lysco is NOT a HIPAA "covered entity" or "business associate." HIPAA formally applies to providers, insurers, and the vendors they contract with — it is triggered by specific business relationships, not by the type of data being handled. As a direct-to-consumer informational tool, Lysco sits outside that regulatory perimeter.

That said, we hold ourselves to HIPAA-aligned security practices and treat every document you upload as protected health information, even when it technically isn’t (for example, a collection notice doesn’t have to be protected under HIPAA, but we protect it the same way).

In practice that means AES-256 encryption at rest, TLS 1.3 in transit, access controls scoped to your account, audit logging of every access, automatic data deletion after 30 days, and data export and deletion tools available to you at any time in Settings — the same technical and procedural standards a covered entity would meet, because the data you share with us deserves that level of care even though we’re not legally classified as a HIPAA-regulated entity.

No. Lysco is an AI-powered tool that helps you understand your own medical bills, insurance denials, and patient rights — it is not a law firm, a medical practice, an insurance company, or a licensed advocacy service.

Everything Lysco produces (analysis reports, appeal letters, negotiation letters, and dispute packages) is informational. The AI can summarize laws and regulations that may apply to your situation, but it cannot give you personalized legal advice, practice law, or enter into an attorney-client relationship with you.

For a specific legal situation — a denial involving a rare disease, a claim with a very large dollar amount, an ERISA plan dispute, or a case already in litigation — we recommend consulting a healthcare attorney or licensed patient advocate. For medical questions about your treatment, talk to your doctor.

United States only, as of today. Lysco’s analysis is tuned specifically for US healthcare: ACA and ERISA rules, state-level insurance regulations and appeal windows, Medicare and Medicaid reference rates, CPT and ICD-10 billing codes, and the No Surprises Act for surprise bill disputes.

If you upload a bill or denial from another country’s healthcare system, the analysis won’t produce useful results and you shouldn’t rely on it.

We’ve had requests for UK (NHS billing confusion), Canadian (provincial coverage disputes), and Norwegian (Helfo reimbursement) support, and we’re evaluating them based on how similar each market’s rules are to US frameworks. No timelines to announce yet.

Lysco’s AI is trained on US healthcare billing codes (CPT, ICD-10, HCPCS), fair market rate databases (Medicare, FAIR Health, regional payer data), insurance regulations (ACA, ERISA, state codes), and clinical guidelines from major medical societies.

Every finding in your report comes with a confidence score so you know how certain the AI is. For example, a clear duplicate charge shows high confidence, while a medical-necessity argument that hinges on interpretation shows medium confidence.

Pro subscribers get verified analysis: a second-pass run that checks the first for citation errors, deadline mistakes, and logic gaps before you see the report. This catches the small number of issues that slip through a single pass.

No AI system is perfect. We encourage you to read the report critically, and if something doesn’t look right, flag it via support@lysco.com — we’ll review, and that feedback trains the next version. For high-stakes cases (large dollar amounts, complex clinical situations, or active litigation), we recommend consulting a licensed advocate or attorney in addition to using Lysco.