Fight confusing medical bills and insurance denials.
Upload your bill, EOB, or denial letter. ReckonClaims explains what happened, finds possible issues, and helps you create appeal letters, dispute packets, and phone scripts, privacy-first, in your browser.
- A plain-English read of what happened
- An action plan ordered by urgency
- Editable appeal, dispute, and phone-script drafts
- A deadline tracker with urgency colors
- Everything in your browser by default
- A topic-scoped chat assistant, not medical advice
This is not legal, medical, billing, coding, or final insurance advice.
Four steps. Designed to be calm.
Upload your document
Add a bill, EOB, denial letter, collections notice, or prior authorization denial. Or paste the text.
Review the explanation
We break down what insurance paid, what was denied, what the provider charged, and what you may owe.
Build your response
Generate appeal letters, itemized bill requests, provider resubmission requests, and call scripts.
Track the case
Track deadlines, responses, documents, and next steps in one place.
Tools for every part of the fight.
Bill Decoder
Plain-English breakdown of what was billed, allowed, paid, and what you may owe.
Denial Classifier
Maps your denial letter to one of 17 case types so the next steps match the issue.
Appeal Letter Generator
Templated, editable internal-appeal, external-review, and dispute letters.
Evidence Checklist
What you have, what's missing, and what to gather before filing.
Deadline Tracker
Tracks appeal deadlines, response windows, and collections deadlines with urgency colors.
Medical Debt Organizer
Validation letters, financial assistance requests, and collections pause asks.
Itemized Bill Request
One-click templated request to the provider billing office.
Privacy-first Vault
Your documents stay in your browser. Cloud sync is opt-in and encrypted.
What ReckonClaims is, and isn't.
ReckonClaims is not a law firm, insurance company, medical provider, or billing company. It does not provide legal, medical, or final insurance advice. It helps users organize documents, understand common issues, and generate drafts they can review and send. Verify deadlines, appeal rights, balances, and coverage details directly with your insurer, provider, advocate, attorney, or qualified professional.