Clarabill – AI Medical Bill & EOB Explainer

Medical bills and insurance Explanation of Benefits (EOB) statements are full of billing codes, jargon, and numbers that don't add up to anything a normal person can follow. Clarabill explains them — no account, no upload to a server, no cost. CPT/HCPCS codes are just a menu: every code is one specific thing a provider did, each with its own price — the "level of service" you'll see on a bill. A code like 99214 means "a moderate-complexity office visit." Clarabill translates every code into plain English. TWO WAYS TO USE IT Look up a code — type any CPT/HCPCS billing code (e.g. 99214) or a confusing term (e.g. "coinsurance") for an instant, free explanation. No sign-in, no key, no setup. Works the second you install. Scan a full bill — upload a photo or PDF and get every line item translated, anomalies flagged, and questions to ask, powered by AI. Needs a free key from Google (called a Gemini API key — takes about a minute to set up) since this step reads an entire document, not just one code. WHAT THE FULL SCAN DOES Every CPT/HCPCS billing code translated into plain English A short summary of who billed what, and what you actually owe Flags worth a second look — duplicate charges, math that doesn't add up, signs of out-of-network billing — only when the bill itself supports it A list of specific questions you can ask your provider or insurer's billing department WHAT IT DOESN'T DO Clarabill explains. It does not give legal, medical, or billing advice, and it never tells you whether to pay, dispute, or ignore a bill. Every result includes that disclaimer, and the "questions to ask" are neutral — never instructions to withhold payment or take action. HOW YOUR DATA IS HANDLED Clarabill has no server. There is no backend to send your bill to — because we don't operate one. When you analyze a bill, the image goes directly from your browser to Google's Gemini API using an API key you provide yourself (free from Google, takes about a minute to set up). Your key is stored only in your own browser's local storage. We never see your bill, your key, or anything else about you. WHY BYOK (BRING YOUR OWN KEY) Most "AI bill explainer" tools route your bill through their own server and their own paid AI account — meaning your sensitive billing and health-adjacent data passes through a company's backend, and the tool usually rations free usage because every scan costs them money. Clarabill skips that entirely: your key, your data, direct to Google, nothing stored, nothing rationed. Free. No account. No bill uploads to us, ever.