Claims and billing

Spot a surprise bill before you pay it.

AI can help you compare an unexpected medical bill with your claim and prepare questions about possible surprise billing. Connect a supported health plan through Flexpa and provide the bill. A mismatch alone does not establish a No Surprises Act violation; use CMS resources to check which protections apply.

Updated 2026-11-11

How it works

Choose a source
check support
Authorize access
through Flexpa
Available records
for your assistant
Check protections
use CMS guidance

Suggested review workflow. Connect a supported source, authorize access, and check the returned records before acting on an AI summary.

What the No Surprises Act covers

For employer and individual health coverage, the No Surprises Act protects against many out-of-network emergency bills, certain non-emergency bills at in-network facilities, and out-of-network air ambulance bills. Exceptions apply. Medicare and Medicaid have separate billing protections.

Uninsured people and people paying without insurance generally have a right to a good faith estimate when services are scheduled at least three business days ahead or when they request one. Check the CMS guidance for the conditions and dispute process.

How your assistant helps

Find the claim for the visit and read how your plan processed it.
Compare the bill's balance with your share on the claim.
Draft questions for the provider and your plan, with the claim details attached.
Use the CMS No Surprises resources to check protections and how to file a complaint.

Confirm which protections apply

An AI comparison is not a legal determination. Ask your plan and provider to explain the bill. If you believe surprise-billing protections were violated, use the CMS complaint resources rather than treating the billing office as the final authority.

What you can ask

“Was this ER visit processed as in-network?”
“This bill is higher than my claim says I owe. Why might that be?”
“Draft questions for the hospital billing office about this bill”

Questions

Can AI tell if I got a surprise medical bill?

AI can help compare your bill with available claims connected through Flexpa and identify questions to ask. A difference in amounts does not by itself establish unlawful surprise billing. Check the applicable protections with CMS.

What is the No Surprises Act?

The No Surprises Act provides federal protections against many out-of-network emergency bills, certain non-emergency bills at in-network facilities, and air ambulance bills for people with employer or individual coverage. Exceptions apply; Medicare and Medicaid have separate billing protections.

What should I do about a possible surprise bill?

Ask your provider and health plan to explain the bill using your EOB and payment records. If you believe surprise-billing protections were violated, consult the CMS No Surprises complaint resources. An AI summary does not determine your legal rights.

Check your claims. Connect your assistant.

Setup for Claude, ChatGPT, and Claude Code takes a few minutes.

Connect your records