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 gives you a private place to use Lysco. 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. It includes unlimited EOB translation and one document analysis each month, shared across the core case workflows. The finished letter and step-by-step instructions are $9 for an eligible case, while prior-authorization letters and unlimited repeat cases require Pro. You can export your account data or delete your sign-in, profile, cases, documents, and letters from Settings. Limited consent, security, deletion, and payment records follow the Privacy Policy.

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 unlock an eligible case’s finished letter and step-by-step instructions 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 decide not to act — all without paying a cent.

Here’s what the review does.

1. The AI reads the document, including supported phone photos.
2. It extracts the details visible in the file: charges, payments, denial reason, amount, and any stated deadline.
3. The workflow applies deterministic checks and, where available, current public sources or reference tables. Estimates, missing facts, and anything you must verify are labeled instead of being presented as confirmed.

You then see a plain-English report and a recommended next step. If the evidence supports a self-service letter, Lysco can prepare a draft and checklist for you to review, edit, sign, and submit yourself. Processing time varies with file quality and workflow complexity.

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 can trigger denials, and they’re often fixed with a phone call once identified.

A free account includes unlimited EOB translation, one full document analysis each month across the core case workflows, case tracking, and deadline reminders. No credit card is required.

You pay only when you choose more than that free access: $9 once to unlock the finished letter and instructions for an eligible denial, bill, surprise-bill, or collections case; or Pro at $19/month or $149/year for unlimited reviews, supported letters, prior-authorization help, and priority support. Hospital financial-assistance and drug-program tools remain free, and Lysco never charges a success fee.

Per Case covers an eligible finished letter and instructions for one denial appeal, bill review, surprise-bill dispute, or collections case. Bill Saver also includes a phone script, while a qualifying surprise-bill case includes the eligibility check and filing steps for the federal Patient-Provider Dispute Resolution (PPDR) program. The free review must find a clear way to fight before the $9 option appears; Lysco does not negotiate or submit anything for you.

Prior-authorization support letters and additional monthly analyses are included with Pro rather than sold per case because prior auth often involves repeated insurer follow-up. The initial check can still use the free monthly analysis.

Three ways: scope, rigor, and incentives.

1. Scope. Free letter generators usually handle one problem — typically just denial appeals. Lysco keeps six core healthcare-paperwork workflows in one account: denial appeals, medical bills, EOB explanations, surprise-bill disputes, prior authorization, and medical debt. Supporting affordability and aid tools sit alongside them.

2. Rigor. A template inserts your name into fixed wording. It does not read your denial letter. Lysco builds the case from your own documents, labels missing facts, and applies additional evidence and quality gates before an eligible paid letter is offered. Appeals receive citation and quality checks; other workflows use their own deterministic and evidence checks, which are not identical.

3. Incentives. The free first read tells you when your documents support a fight, and when they do not. Lysco offers the flat $9 letter only when that review finds a clear way to fight; it does not manufacture a paid letter for a result that appears correct, incomplete, or too complex for automation. You keep 100% of any verified recovery.

Cancel Pro from Settings → Billing with one click. Cancellation takes effect at the end of the current billing period, with no cancellation fee; your cases, letters, and savings history remain in your account.

For a $9 case, the free analysis must find a clear way to fight before checkout appears. When an eligible letter is unlocked, the charge covers the finished letter and instructions for that case and is not refundable. Pro payments are not prorated, so you keep access through the period already paid for. If you believe you were charged in error, email support@lysco.com.

Most current health plans provide an internal appeal process, but the exact right, deadline, and review path depend on the plan. For example, grandfathered plans do not have to provide every Affordable Care Act appeal protection, although some do. Start with the denial notice and plan documents.

Here’s the process Lysco walks you through.

1. We read the denial letter and identify the stated reason (for example: "not medically necessary," "experimental treatment," "prior authorization required," or "out of network").
2. We identify potentially relevant federal or state rules and clearly mark what still needs plan-specific verification.
3. We organize supporting clinical sources when the source and applicability can be verified.
4. We prepare a customized draft and verification checklist.

You review and edit the draft, verify the address and deadline against your notice or plan, then submit it yourself. For many ACA-covered plans, an internal appeal must be completed within 30 days for a service not yet received and 60 days for a service already received; other plan types can follow different rules.

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 an appeal you can review and submit yourself.

A first-level denial may not be the end. Depending on the plan and denial reason, an independent external review or another plan-specific escalation may be available. The final denial notice and plan documents should state whether external review applies, where to file it, and the deadline; those details must be verified before relying on them.

Lysco can also flag options to investigate, depending on the case:

• Contact your state insurance department or consumer-assistance program
• Use the applicable Medicare, Medicaid, Marketplace, or employer-plan process
• Escalate through an employer benefits team for a job-based plan
• Consult a qualified professional when the amount, deadline, or legal issue warrants it

The report treats deadlines as verification items rather than promising that one timetable fits every plan.

No. Lysco generates a draft, supporting citations, submission guidance, and a follow-up plan — but you review, verify, sign, and submit everything yourself.

That keeps you in control of what goes out under your name and gives you a record of exactly what was submitted. If the insurer follows up, you also have the same appeal, checklist, and proof trail in front of you.

What Lysco can provide is a ready-to-review PDF, an address or submission route extracted from your documents or a current source when available, proof-of-submission guidance, and follow-up reminders. You must confirm the recipient, address, deadline, and plan procedure against the denial notice or plan before sending.

We describe the controls and their limits so you can judge them.

• TLS protects data in transit, and the storage/database provider encrypts data at rest. Selected sensitive fields also receive application-level AES-256-GCM encryption; not every field has that second layer.
• Row-level security limits normal account access. Necessary service providers process documents for storage, analysis, hosting, payments, and operations; their roles are listed in the Privacy Policy.
• Lysco staff do not open case content in normal operation. Narrowly authorized access is limited to support you request or necessary security and abuse investigations, and sensitive admin actions are logged.
• We do not send documents to your insurer, employer, hospital, or doctor unless you choose to submit them. We never sell the data, use it for advertising, or use your uploads to train Lysco models.
• A case or account deletion removes active records and files through the deletion flow and reports cleanup warnings. Provider backups age out under the provider lifecycle, while limited consent, security, deletion, and payment records follow the Privacy Policy.

Settings shows recorded account actions, but not every internal or server-rendered read creates a separate visible event. You can also export your account data and start deletion there.

Lysco is not a HIPAA "covered entity" or "business associate." HIPAA applies based on specific healthcare and contractual relationships, not simply because an app handles health-related information.

Our safeguards are modeled on relevant HIPAA Security Rule principles because the documents are sensitive, but that is a description of the security design—not a claim that Lysco is HIPAA certified or regulated as a covered entity or business associate. See the Security page and Privacy Policy for the exact scope, current exceptions, processors, and retention details.

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, appeals, 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 does not claim that its underlying model was trained by Lysco on FAIR Health, payer data, or clinical guidelines. The product combines a general-purpose AI model with structured healthcare prompts, deterministic rules, your uploaded evidence, internal reference tables, and retrieval from current public sources where a workflow supports it.

Confidence labels describe how complete and internally supported a finding appears; they are not a calibrated probability that you will win or save money. Clear document-backed facts can receive higher confidence, while estimates, inferred codes, missing plan terms, and interpretive arguments must be verified.

Quality checks vary by workflow. Appeals receive an additional citation and quality review, while other pillars use their own evidence and deterministic gates; a Pro subscription does not bypass those gates.

AI can still be wrong, incomplete, or outdated. Review every output against the original documents and verify deadlines, addresses, plan terms, citations, and estimated prices before acting. For high-stakes or complex matters, consult a qualified licensed professional.