Step 01
Upload or photograph your bill
Snap a photo or upload a PDF of your Explanation of Benefits or itemized hospital bill. We accept all major formats.
AI-Powered Medical Bill Review
Your medical bill is probably wrong.
Find out before you pay.
80% of medical bills contain at least one error. KarvBill reviews your bill line by line, flags overcharges and duplicate charges, explains every billing code, and gives you a plain-English action plan — before you pay a cent.
Join the Waitlist
We'll notify you when KarvBill launches. No spam.
- Your data stays private
- 48-hour turnaround once live
- Free to join waitlist
Example only
Bill Review
Memorial Regional Hospital
$8,420.003 Issues Found
99213Office visit, established patient
36415Routine venipuncture (blood draw)
Charge appears above local benchmark
99024Post-operative follow-up
Possible duplicate of 12/04 visit
Potential savings identified$1,840
KarvBill is currently in beta — reviewing bills for a limited group of patients. Join the waitlist
How it works
From confusing bill to clear answer in 3 steps
Step 02
We review every line item
We cross-reference each charge against standard billing guidelines, flag CPT code mismatches, duplicate charges, and common unbundling violations.
Step 03
Get your action report
Receive a plain-English report with every issue flagged, the dollar amount at risk, and a step-by-step guide to dispute each charge.
48-hour windowtypical
Upload
Hour 0
Review
Hour 24
Report Delivered
Hour 48
The medical billing problem is well documented.
0%
of medical bills contain at least one error
Source: Medical Billing Advocates of America
$0
average annual overpayment per American patient
Source: NerdWallet Health
0%
of patients who dispute a bill receive at least a partial reduction
Source: Patient Advocate Foundation
Statistics sourced from the Medical Billing Advocates of America, NerdWallet Health, and the Patient Advocate Foundation. KarvBill makes no claim to these outcomes.
The Deliverable
See exactly what you get
Here's what a KarvBill report looks like. All data below is fictional and for illustration only.
app.karvbill.com/report/3a8c-4f21
.Example only — fictional data
Bill Review Report
Memorial Regional Hospital
Bill total: $8,420.00 · Date of service: 12/04
3 Issues Found· Potential savings $1,840
| Code | Description | Billed | Expected | Status |
|---|---|---|---|---|
| 99213 | Office Visit, Established Patient (Level 3) | $245.00 | $245.00 | Correct |
| 71046 | Chest X-Ray, 2 Views | $310.00 | $310.00 | Correct |
| 36415 | Routine Venipuncture (Blood Draw) | $98.00 | $22.00 | Overcharge |
| 99232 | Subsequent Hospital Visit, Moderate Complexity | $420.00 | $420.00 | Correct |
| 85025 | Complete Blood Count (CBC) Lab | $72.00 | $72.00 | Correct |
| 99024 | Post-Operative Follow-Up Visit | $185.00 | $0.00 | Duplicate |
Dispute Script — Code 99024
“On 12/04, your statement lists CPT 99024 (post-operative follow-up) as a separately billed service. Per CMS guidance, follow-up visits within the global surgical period are bundled into the original surgical fee and may not be billed separately…”
View full script in your report
Next steps
- 1Send the dispute letter for code 99024 to billing — duplicate post-op visit, $185 at risk.
- 2Request a re-pricing on code 36415 (blood draw) — billed $98 vs. $22 local benchmark.
- 3Hold payment on disputed items until the hospital responds. Pay only the verified balance.
The context
Why patients overpay — and what you can do about it
Billing errors are the norm, not the exception
The Medical Billing Advocates of America estimate that 80% of medical bills contain at least one error. The most common: duplicate charges, incorrect billing codes, and charges for services never received.
Most patients never dispute
Studies show fewer than 1 in 10 patients ever challenges a medical bill — not because their bill is correct, but because the process feels overwhelming. That gap is what KarvBill was built to close.
Disputing works
The Patient Advocate Foundation reports that 93% of patients who formally dispute a medical bill receive at least a partial reduction. The barrier isn't winning — it's knowing where to start.
Privacy
Your health data deserves respect.
Here's exactly how we handle it.
Never sold, never shared
Your bill data is used only to generate your review. It is never sold, shared with third parties, or used for advertising.
Built on HIPAA-compliant infrastructure
KarvBill is built on AWS and processes payments through Stripe — both of which maintain HIPAA-compliant infrastructure. We are in the process of completing our own HIPAA certification.
Deleted on request
You can request permanent deletion of your uploaded documents and bill data at any time. We will confirm in writing once removed from our systems.
Pricing
Simple, transparent pricing
KarvBill is currently in beta. Pricing will be announced at launch.
Coming Soon
Standard Review
For a single bill you want a clear answer on.
Pricing locked until launch
- Single bill review
- Full line-item analysis
- Error and overcharge flagging
- Plain-English explanation of every charge
- 48-hour turnaround
Coming Soon
Full Advocacy
For a bill you intend to dispute, end to end.
Pricing locked until launch
- Everything in Standard
- Custom dispute letter for each error found
- Insurance appeal letter if applicable
- 30-day follow-up support via email
FAQ
Questions patients ask before signing up
Don't pay a bill you haven't had reviewed.
80% of medical bills have errors. Join the waitlist and be first to know when KarvBill launches.
Join the Waitlist
Early access · No commitment · No spam
Encrypted upload · Built on HIPAA-compliant infrastructure
Early access
Get Early Access
We're onboarding a limited number of patients during beta. Tell us a little about your bill and we'll reach out when your spot is ready.
Open the Waitlist Form
Opens a short, secure form. Takes about 60 seconds.