# Clearwell > Clearwell helps you understand medical bills, compare them with your insurance EOB, find likely billing errors, and get a clear, dispute-ready action plan. ## What is Clearwell? Clearwell is an AI-powered medical bill analysis service. You upload your medical bill and, if you have it, your insurance Explanation of Benefits (EOB). Clearwell explains what you owe in plain English, compares the bill against what your insurance allowed, flags likely billing errors and discrepancies, and gives you a personalized action plan — including ready-to-use dispute letters and call scripts. It is a one-time-payment product: no subscription. Clearwell is not a medical professional, attorney, or insurance advisor, and its output is not medical or legal advice. ## Key pages - [Home](https://tryclearwell.vercel.app/) - [How it works](https://tryclearwell.vercel.app/how-it-works) - [Pricing](https://tryclearwell.vercel.app/pricing) - [Pricing (structured, agent-readable)](https://tryclearwell.vercel.app/pricing.md) - [Blog — medical bill dispute guides](https://tryclearwell.vercel.app/blog) - [Complete Guide to Fighting Medical Bills](https://tryclearwell.vercel.app/guide) - [Free tools](https://tryclearwell.vercel.app/tools) - [Sign up](https://tryclearwell.vercel.app/sign-up) - [Privacy Policy](https://tryclearwell.vercel.app/privacy) - [Terms of Service](https://tryclearwell.vercel.app/terms) ## Medical bill dispute guides - [How to Dispute a Medical Bill](https://tryclearwell.vercel.app/blog/how-to-dispute-a-medical-bill) - [How to Dispute a Hospital Bill](https://tryclearwell.vercel.app/blog/how-to-dispute-a-hospital-bill) - [How to Challenge a Medical Bill](https://tryclearwell.vercel.app/blog/how-to-challenge-a-medical-bill) - [How to Fight a Medical Bill](https://tryclearwell.vercel.app/blog/how-to-fight-a-medical-bill) - [How to Contest a Medical Bill](https://tryclearwell.vercel.app/blog/how-to-contest-a-medical-bill) - [Can I Dispute a Medical Bill?](https://tryclearwell.vercel.app/blog/can-i-dispute-a-medical-bill) - [What to Do If a Medical Bill Is Wrong](https://tryclearwell.vercel.app/blog/what-to-do-if-a-medical-bill-is-wrong) - [How Long Do I Have to Dispute a Medical Bill?](https://tryclearwell.vercel.app/blog/how-long-do-i-have-to-dispute-a-medical-bill) - [How to Dispute an Emergency Room Bill](https://tryclearwell.vercel.app/blog/how-to-dispute-an-emergency-room-bill) - [How to Dispute an Ambulance Bill](https://tryclearwell.vercel.app/blog/how-to-dispute-an-ambulance-bill) - [How to Dispute an Anesthesia Bill](https://tryclearwell.vercel.app/blog/how-to-dispute-an-anesthesia-bill) - [How to Dispute a Lab Bill](https://tryclearwell.vercel.app/blog/how-to-dispute-a-lab-bill) - [How to Dispute an MRI or Imaging Bill](https://tryclearwell.vercel.app/blog/how-to-dispute-an-mri-bill) - [How to Dispute an Out-of-Network Medical Bill](https://tryclearwell.vercel.app/blog/how-to-dispute-an-out-of-network-bill) - [How to Dispute an Urgent Care Bill](https://tryclearwell.vercel.app/blog/how-to-dispute-an-urgent-care-bill) - [How to Dispute a Physical Therapy Bill](https://tryclearwell.vercel.app/blog/how-to-dispute-a-physical-therapy-bill) - [How to Dispute a Surgery Bill](https://tryclearwell.vercel.app/blog/how-to-dispute-a-surgery-bill) - [How to Dispute a Doctor Visit Bill](https://tryclearwell.vercel.app/blog/how-to-dispute-a-doctor-visit-bill) - [How to Dispute a Maternity or Labor & Delivery Bill](https://tryclearwell.vercel.app/blog/how-to-dispute-a-maternity-bill) - [How to Dispute a Telehealth Bill](https://tryclearwell.vercel.app/blog/how-to-dispute-a-telehealth-bill) - [How to Dispute a Medical Bill in Collections](https://tryclearwell.vercel.app/blog/how-to-dispute-a-medical-bill-in-collections) - [How to Dispute a Duplicate Medical Charge](https://tryclearwell.vercel.app/blog/how-to-dispute-a-duplicate-medical-charge) - [How to Dispute a Medical Bill After Insurance Has Paid](https://tryclearwell.vercel.app/blog/how-to-dispute-a-medical-bill-after-insurance-paid) - [What to Do If Your Medical Bill Has Wrong Billing Codes](https://tryclearwell.vercel.app/blog/what-to-do-if-your-medical-bill-has-wrong-billing-codes) - [How to Request an Itemized Medical Bill](https://tryclearwell.vercel.app/blog/how-to-request-an-itemized-medical-bill) - [How to Negotiate a Medical Bill](https://tryclearwell.vercel.app/blog/how-to-negotiate-a-medical-bill) - [How to Get a Hospital Bill Reduced](https://tryclearwell.vercel.app/blog/how-to-get-a-hospital-bill-reduced) - [How to Handle a Surprise Medical Bill](https://tryclearwell.vercel.app/blog/how-to-handle-a-surprise-medical-bill) - [How to Dispute a Medical Bill With No Insurance](https://tryclearwell.vercel.app/blog/how-to-dispute-a-medical-bill-with-no-insurance) - [What to Do If Your Insurance Denied the Claim](https://tryclearwell.vercel.app/blog/what-to-do-if-your-insurance-denied-the-claim) - [What Is an EOB (Explanation of Benefits)?](https://tryclearwell.vercel.app/blog/what-is-an-eob-explanation-of-benefits) - [How to Read an EOB](https://tryclearwell.vercel.app/blog/how-to-read-an-eob) - [What Does Patient Responsibility Mean on an EOB?](https://tryclearwell.vercel.app/blog/what-does-patient-responsibility-mean-on-an-eob) - [My Medical Bill Does Not Match My EOB](https://tryclearwell.vercel.app/blog/medical-bill-doesnt-match-eob) - [Medical Bill Is Higher Than My EOB](https://tryclearwell.vercel.app/blog/medical-bill-higher-than-eob) - [EOB Says $0 but the Hospital Sent Me a Bill](https://tryclearwell.vercel.app/blog/eob-says-0-but-hospital-sent-bill) - [EOB Says Insurance Paid but I Got a Bill Anyway](https://tryclearwell.vercel.app/blog/eob-says-insurance-paid-but-i-received-a-bill) - [Hospital Bill Does Not Match My EOB](https://tryclearwell.vercel.app/blog/hospital-bill-doesnt-match-eob) - [EOB Patient Responsibility Is Different from My Bill](https://tryclearwell.vercel.app/blog/eob-patient-responsibility-different-from-bill) - [There Is a Charge on My Bill That Is Not on My EOB](https://tryclearwell.vercel.app/blog/charge-on-bill-not-on-eob) - [EOB Shows a Different Amount Than My Bill](https://tryclearwell.vercel.app/blog/eob-different-amount-than-bill) - [My EOB and Bill Do Not Agree](https://tryclearwell.vercel.app/blog/eob-and-bill-dont-agree) - [Insurance EOB Says One Amount but Hospital Bills Another](https://tryclearwell.vercel.app/blog/insurance-eob-one-amount-hospital-bills-another) - [How To Dispute a Bill That Does Not Match Your EOB](https://tryclearwell.vercel.app/blog/how-to-dispute-a-bill-that-does-not-match-eob) - [Balance Billing vs. EOB Discrepancy](https://tryclearwell.vercel.app/blog/balance-billing-vs-eob-discrepancy) - [Why Does My EOB Show a Different Amount Than Expected?](https://tryclearwell.vercel.app/blog/why-does-my-eob-show-a-different-amount) - [I Got a Bill from Both My Provider and My Insurer](https://tryclearwell.vercel.app/blog/duplicate-bill-from-provider-and-insurance) - [My EOB Shows Services I Did Not Receive](https://tryclearwell.vercel.app/blog/eob-shows-services-i-did-not-receive) - [In-Network Provider Bills More Than My EOB Says I Owe](https://tryclearwell.vercel.app/blog/in-network-provider-bills-more-than-eob) - [My EOB Shows a Different Date of Service Than My Bill](https://tryclearwell.vercel.app/blog/eob-shows-different-date-of-service) - [Why Is My Medical Bill Different from My EOB?](https://tryclearwell.vercel.app/blog/why-is-my-medical-bill-different-from-my-eob) - [My EOB Shows a Deductible I Thought Was Already Met](https://tryclearwell.vercel.app/blog/eob-shows-deductible-i-thought-was-met) - [My Bill Shows an Insurance Discount but My EOB Does Not](https://tryclearwell.vercel.app/blog/bill-shows-insurance-discount-eob-does-not) - [I Got an EOB After My Insurance Claim Was Denied](https://tryclearwell.vercel.app/blog/eob-after-insurance-claim-denial) - [My Provider Billed Me Twice for the Same Service](https://tryclearwell.vercel.app/blog/provider-billed-twice-for-same-service) - [My EOB Shows Out-of-Network for an In-Network Visit](https://tryclearwell.vercel.app/blog/eob-shows-out-of-network-for-in-network-visit) - [I Received Multiple EOBs for One Hospital Visit](https://tryclearwell.vercel.app/blog/multiple-eobs-for-one-visit) - [My EOB Patient Responsibility Exceeds My Remaining Deductible](https://tryclearwell.vercel.app/blog/eob-patient-responsibility-exceeds-deductible-remaining) - [What To Do When Your Bill and EOB Totals Are Different](https://tryclearwell.vercel.app/blog/what-to-do-when-bill-and-eob-total-different) - [How To Compare a Medical Bill to Your EOB](https://tryclearwell.vercel.app/blog/how-to-compare-medical-bill-to-eob) - [Your EOB Explains Why You Owe More Than Expected](https://tryclearwell.vercel.app/blog/eob-explains-why-you-owe-more) - [What To Do When You Receive a Medical Bill](https://tryclearwell.vercel.app/blog/what-to-do-when-you-receive-a-medical-bill) - [Should You Pay a Medical Bill Before Insurance Processes It?](https://tryclearwell.vercel.app/blog/should-you-pay-a-medical-bill-before-insurance-processes-it) - [Should You Pay a Medical Bill Immediately?](https://tryclearwell.vercel.app/blog/should-you-pay-a-medical-bill-immediately) - [What Happens If You Cannot Afford a Medical Bill?](https://tryclearwell.vercel.app/blog/what-happens-if-you-cant-afford-a-medical-bill) - [Can You Negotiate a Hospital Bill?](https://tryclearwell.vercel.app/blog/can-you-negotiate-a-hospital-bill) - [How To Ask a Hospital for a Discount on Your Bill](https://tryclearwell.vercel.app/blog/how-to-ask-a-hospital-for-a-discount) - [How To Ask for Financial Assistance from a Hospital](https://tryclearwell.vercel.app/blog/how-to-ask-for-financial-assistance-from-a-hospital) - [Can You Negotiate Medical Bills After Insurance Pays?](https://tryclearwell.vercel.app/blog/can-you-negotiate-medical-bills-after-insurance) - [How To Set Up a Payment Plan for Medical Bills](https://tryclearwell.vercel.app/blog/how-to-set-up-a-payment-plan-for-medical-bills) - [Should You Pay a Medical Bill or Let It Go to Collections?](https://tryclearwell.vercel.app/blog/should-you-pay-a-medical-bill-or-let-it-go-to-collections) - [What To Do If a Medical Bill Is Too High](https://tryclearwell.vercel.app/blog/what-to-do-if-a-medical-bill-is-too-high) - [Can You Negotiate a Medical Bill Without Insurance?](https://tryclearwell.vercel.app/blog/can-you-negotiate-a-medical-bill-without-insurance) - [How To Ask Your Doctor To Lower Your Bill](https://tryclearwell.vercel.app/blog/how-to-ask-your-doctor-to-lower-your-bill) - [Can You Get a Medical Bill Waived?](https://tryclearwell.vercel.app/blog/can-you-get-a-medical-bill-waived) - [How To Apply for Hospital Charity Care](https://tryclearwell.vercel.app/blog/how-to-apply-for-hospital-charity-care) - [What To Do If You Receive a Surprise Medical Bill](https://tryclearwell.vercel.app/blog/what-to-do-if-you-receive-a-surprise-medical-bill) - [How To Dispute a Medical Bill You Do Not Recognize](https://tryclearwell.vercel.app/blog/how-to-dispute-a-medical-bill-you-dont-recognize) - [Should You Pay a Medical Bill in Full or in Installments?](https://tryclearwell.vercel.app/blog/should-you-pay-a-medical-bill-in-full-or-in-installments) - [How To Negotiate a Medical Bill After Being Discharged](https://tryclearwell.vercel.app/blog/how-to-negotiate-a-medical-bill-after-being-discharged) - [How To Reduce Your Out-of-Pocket Medical Costs](https://tryclearwell.vercel.app/blog/how-to-reduce-your-out-of-pocket-medical-costs) - [What To Do If Your Medical Bill Is in Collections](https://tryclearwell.vercel.app/blog/what-to-do-if-your-medical-bill-is-in-collections) - [How To Respond to a Medical Debt Collector](https://tryclearwell.vercel.app/blog/how-to-respond-to-a-medical-debt-collector) - [Can You Ignore a Medical Bill?](https://tryclearwell.vercel.app/blog/can-you-ignore-a-medical-bill) - [How To Check If You Qualify for Hospital Financial Aid](https://tryclearwell.vercel.app/blog/how-to-check-if-you-qualify-for-hospital-financial-aid) - [How To File a Complaint About a Medical Bill](https://tryclearwell.vercel.app/blog/how-to-file-a-complaint-about-a-medical-bill) - [How To Prepare for a Medical Bill Negotiation Call](https://tryclearwell.vercel.app/blog/how-to-prepare-for-a-medical-bill-negotiation-call) - [What To Do Before Paying Any Medical Bill](https://tryclearwell.vercel.app/blog/what-to-do-before-paying-any-medical-bill) - [How To Apply for Medicaid After Receiving a Medical Bill](https://tryclearwell.vercel.app/blog/how-to-apply-for-medicaid-after-receiving-a-bill) - [How To Negotiate a Medical Bill With No Insurance and No Money](https://tryclearwell.vercel.app/blog/how-to-negotiate-a-medical-bill-without-insurance-or-money) - [Your ER Bill Is Too High - What To Do](https://tryclearwell.vercel.app/blog/er-bill-too-high) - [Your MRI Bill Is Too High - What To Do](https://tryclearwell.vercel.app/blog/mri-bill-too-high) - [Your Surgery Bill Is Too High - What To Do](https://tryclearwell.vercel.app/blog/surgery-bill-too-high) - [Your Ambulance Bill Is Too High - What To Do](https://tryclearwell.vercel.app/blog/ambulance-bill-too-high) - [Understanding Your Hospital Bill After Insurance](https://tryclearwell.vercel.app/blog/hospital-bill-after-insurance) - [I Got an Unexpected Hospital Bill - What Happened?](https://tryclearwell.vercel.app/blog/unexpected-hospital-bill) - [Out-of-Network Medical Bill - What To Do](https://tryclearwell.vercel.app/blog/out-of-network-medical-bill) - [Medical Bill Sent to Collections - What To Do Now](https://tryclearwell.vercel.app/blog/medical-bill-sent-to-collections) - [Medical Bill After Insurance Denied Your Claim](https://tryclearwell.vercel.app/blog/medical-bill-after-insurance-denial) - [Medical Bill for a Procedure I Did Not Receive](https://tryclearwell.vercel.app/blog/medical-bill-for-procedure-i-didnt-receive) - [Duplicate Medical Charges - How To Fix It](https://tryclearwell.vercel.app/blog/duplicate-medical-charge) - [Your Lab Work Bill Is Too High - What To Do](https://tryclearwell.vercel.app/blog/lab-work-bill-too-high) - [Your Anesthesia Bill Is Too High - What To Do](https://tryclearwell.vercel.app/blog/anesthesia-bill-too-high) - [Your Physical Therapy Bill Is Too High - What To Do](https://tryclearwell.vercel.app/blog/physical-therapy-bill-too-high) - [Your Prescription Bill Is Too High - What To Do](https://tryclearwell.vercel.app/blog/prescription-bill-too-high) - [Disputing a Dental Bill - What To Do](https://tryclearwell.vercel.app/blog/dental-bill-dispute) - [Billed for a Procedure That Was Cancelled](https://tryclearwell.vercel.app/blog/medical-bill-for-cancelled-procedure) - [Medical Bill With the Wrong Patient Name](https://tryclearwell.vercel.app/blog/medical-bill-with-wrong-patient-name) - [Medical Bill From a Provider I Do Not Recognize](https://tryclearwell.vercel.app/blog/medical-bill-from-unknown-provider) - [Surprise Balance Bill After Surgery](https://tryclearwell.vercel.app/blog/surprise-balance-bill-after-surgery) - [Medical Bill With Duplicate CPT Codes](https://tryclearwell.vercel.app/blog/medical-bill-with-duplicate-codes) - [Hospital Facility Fee Is Too High - What To Do](https://tryclearwell.vercel.app/blog/hospital-facility-fee-too-high) - [Disputing a Radiology Bill - What To Do](https://tryclearwell.vercel.app/blog/radiology-bill-dispute) - [Understanding Your Medical Bill After an ER Visit](https://tryclearwell.vercel.app/blog/medical-bill-after-er-visit) - [Ambulance Balance Bill - Your Rights](https://tryclearwell.vercel.app/blog/ambulance-balance-bill) - [Medical Bill With Missing Insurance Discount](https://tryclearwell.vercel.app/blog/medical-bill-with-missing-insurance-discount) - [Medical Bill After Your Insurance Network Status Changed](https://tryclearwell.vercel.app/blog/medical-bill-after-network-status-changed) - [Out-of-Network Bill at an In-Network Facility](https://tryclearwell.vercel.app/blog/medical-bill-for-services-at-in-network-facility) - [Medical Bill With Charges After Discharge Date](https://tryclearwell.vercel.app/blog/medical-bill-with-charges-after-discharge) - [Medical Bill With the Wrong Date of Service](https://tryclearwell.vercel.app/blog/medical-bill-wrong-date-of-service) - [How To Read a Medical Bill (Line by Line)](https://tryclearwell.vercel.app/blog/how-to-read-a-medical-bill) - [Medical Billing Codes Explained (CPT, ICD-10, HCPCS)](https://tryclearwell.vercel.app/blog/medical-billing-codes-explained) - [What Is a Facility Fee (and Why It Inflates Your Bill)](https://tryclearwell.vercel.app/blog/what-is-a-facility-fee) - [EOB vs. Medical Bill: What Is the Difference?](https://tryclearwell.vercel.app/blog/eob-vs-medical-bill) - [The 10 Most Common Medical Billing Errors](https://tryclearwell.vercel.app/blog/common-medical-billing-errors) - [How To Spot Upcoding on Your Medical Bill](https://tryclearwell.vercel.app/blog/how-to-spot-upcoding-on-a-medical-bill) - [Your EOB Does Not Match Your Bill - Now What?](https://tryclearwell.vercel.app/blog/what-to-do-when-your-eob-doesnt-match-your-bill) - [Insurance Paid Less Than Expected - Why and What To Do](https://tryclearwell.vercel.app/blog/insurance-paid-less-than-expected) - [How To Appeal an Insurance Denial (Step by Step)](https://tryclearwell.vercel.app/blog/how-to-appeal-an-insurance-denial-for-a-medical-bill) - [Insurance Did Not Pay the Claim - What To Do](https://tryclearwell.vercel.app/blog/what-to-do-if-insurance-doesnt-pay) - [The No Surprises Act Explained in Plain English](https://tryclearwell.vercel.app/blog/no-surprises-act-explained) - [How To File a No Surprises Act Complaint](https://tryclearwell.vercel.app/blog/how-to-file-a-complaint-under-the-no-surprises-act) - [State Surprise Billing Laws Beyond the No Surprises Act](https://tryclearwell.vercel.app/blog/no-surprises-act-state-protections) - [Medical Debt and Your Credit Score (2026 Rules)](https://tryclearwell.vercel.app/blog/medical-debt-and-credit-scores) - [How To Protect Your Credit From Medical Debt](https://tryclearwell.vercel.app/blog/how-to-protect-your-credit-from-medical-debt) - [Medical Debt in America: The Numbers](https://tryclearwell.vercel.app/blog/medical-debt-statistics) - [How To Negotiate With a Medical Collection Agency](https://tryclearwell.vercel.app/blog/how-to-negotiate-a-medical-bill-with-a-collection-agency) ## Open Knowledge Format - [OKF bundle index](https://tryclearwell.vercel.app/okf/index.md)