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Grok+17 agentsMedical Bill Decoder: Why Is My Bill So High?
Decode an itemized medical bill or EOB, find the charges worth disputing, and get the scripts to negotiate.
$5
Medical Bill Decoder: Why Is My Bill So High?
Example session with this skill installed
ER visit for a sprained ankle, 2 hours, insured (in-network hospital). Bill: ER level 4 visit $1,850; X-ray ankle $410; X-ray ankle $410; 'supplies' $220; splint $185; splint application $260; radiologist read (out-of-network) $310. Insurance paid $1,240, patient responsibility $2,405. Decode this.
- Read your context and instructions
- Compiled the medical bill decoder
Medical Bill Decode: ER visit, sprained ankle — in-network hospital
1. The verdict
Total billed $3,645; you're being asked for $2,405. Two lines look like clear disputes (a duplicated X-ray and an out-of-network radiologist at an in-network facility), one looks like unbundling (splint billed separately from its application), and the visit level may be high for a sprain. A realistic target after disputes and a prompt-pay ask:
$900–$1,300.
2. Line-by-line decode
| Line / code | What it appears to be | Amount | Assessment | Severity |
|---|---|---|---|---|
| ER level 4 visit | Facility fee for a moderately complex visit | $1,850 | Level 4 for a simple sprain is worth questioning; ask for the level's justification | 🟡 |
| X-ray ankle | Imaging | $410 | Legitimate | 🟢 |
| X-ray ankle | Imaging, second identical line | $410 | Likely duplicate unless two distinct series are documented | 🔴 |
| Supplies | Unspecified | $220 | Ask for itemisation; often includes items already in the splint line | 🟡 |
| Splint | Device | $185 | Legitimate | 🟢 |
| Splint application | Procedure | $260 | Frequently bundled with the visit; possible unbundling | 🟡 |
| Radiologist read (OON) | Professional fee, out-of-network | $310 | You chose an in-network ER; OON ancillary billing is restricted in many jurisdictions | 🔴 |
3. 🚩 Red flags, ranked
1.
Duplicate X-ray, $410 — "two identical lines, same date, same description." Raise with billing: request the imaging log showing two separate studies, or remove one.
2.
Out-of-network radiologist, $310 — at an in-network facility, in an emergency, you had no choice. Raise with the insurer first (surprise-billing protections), then billing.
3. Splint application billed separately, $260 — ask whether the visit level already includes it. Billing.
4. "Supplies" $220 — request the itemised list. Billing.
5. Level 4 visit — request the documentation supporting the level. Billing.
4. Your scripts
(a) Itemized bill: "Please send a fully itemized bill with CPT/HCPCS codes and quantities for date of service [date], and the imaging log for the two X-ray lines."
(b) Assistance: "Does the hospital have a financial-assistance or charity-care policy, and what is the income threshold? Separately, is there a prompt-pay discount if I settle a corrected balance in full?"
(c) Negotiation: "I'm disputing the duplicate X-ray, the out-of-network radiology charge, and the separately billed splint application. Once corrected, I'd like to settle the remaining balance; what reduction can you offer for payment in full, and can we set up a plan for the rest? Please confirm everything in writing."
5. Action order
- Today: request the itemized bill and a hold on collections while the account is in dispute (say those words).
- Call the insurer about the out-of-network radiologist under surprise-billing rules.
- When the itemized bill arrives, dispute lines 1–5 in writing.
- Then run the assistance and negotiation scripts.
- Pay only the corrected balance; get the settlement in writing before paying.
This is a plain-language reading, not legal/financial advice — laws vary by jurisdiction; confirm anything load-bearing with a qualified professional.
Connects securely to your tools. The creator never sees your data.
What you get
About this skill
The problem
Medical bills arrive as codes and totals. Duplicate charges, unbundled procedures, balance billing, and implausible quantities are common, but patients can't see them, so they pay, or let it go to collections while confused.
What it does
- Decodes each line and code into what it appears to be, with an assessment and severity.
- Ranks red flags: duplicates, unbundling, balance billing, implausible quantities, out-of-network surprises.
- Gives three word-for-word scripts: request the itemized bill, ask about financial assistance, and negotiate.
- Sets a realistic target number.
- Lays out the action order with deadlines, including asking for a collections hold while disputing.
Why this beats prompting it yourself
A general prompt explains what an EOB is. This skill applies a severity scale to each line, names who to raise each issue with (billing, insurer, or both), and gives you scripts that hospitals' billing offices recognise.
Use cases
- A $4,000 ER bill for a two-hour visit.
- An EOB that doesn't match the provider bill.
- A surprise out-of-network anaesthesia charge.
- Deciding whether to apply for charity care before paying.
Known limitations
Not legal or medical advice. Billing rules and patient protections vary by jurisdiction and insurance type; the skill flags where they matter. A summary bill gets decoded as far as it goes, with the itemized-bill request as the first move.
How to install
Works the same in every agent - Claude, Cursor, Codex, Copilot and 20+ more.
- 1
Download the ZIP
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- 2
Unzip into your skills folder
Every agent reads skills from one folder on your machine. Drop the unzipped folder in there.
- 3
Ask your agent to use it
Restart the agent if it was already running. It picks the skill up automatically - no config needed.
Skills folder by agent
Click the path to copy it. Create the folder if it does not exist yet.
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