How it works

From confusing letter to action plan in a few steps.

ReckonClaims is built around four ideas: minimize what we store, explain what is actually happening, suggest specific next steps, and give you the drafts to take them. Everything below runs in your browser by default.

STEP 1

Upload or paste

Add a medical bill, EOB, denial letter, prior authorization denial, provider invoice, hospital statement, itemized bill, collections notice, insurance card, or policy excerpt. You can also paste text from a portal message.

Phase 1 runs OCR with deterministic mock extractors. Phase 2 swaps in Tesseract.js or a BAA-eligible OCR cloud service.

STEP 2

Review the read

We show every field we extracted. You correct anything wrong, fill in anything missing, and skip what you don't know. Confidence is shown per field.

We strip full member IDs and never store more than the last 4.

STEP 3

Get the explanation

A rule-based classifier identifies one of 17 case types (e.g, prior authorization denied, surprise billing, collections). Then a structured analyzer produces a plain-English summary, an action plan ordered by urgency, and an evidence checklist of what you have and what you're missing.

STEP 4

Build your packet

Generate appeal letters, itemized bill requests, provider resubmission requests, debt validation letters, financial assistance requests, surprise-billing disputes, and phone-call scripts, each editable, each with a tone selector, each exportable to PDF.

Privacy

Local-first by default.

Local-only mode (default)

Documents are processed entirely in your browser. Cases live in IndexedDB. Nothing leaves your device.

Hybrid mode (Phase 2)

Raw documents stay local. Only redacted, structured fields go to an LLM analyzer, with an explicit warning.

Cloud mode (Phase 2+)

Encrypted-at-rest object storage, per-user signed URLs, audit logs, BAAs. Required for cross-device sync and human advocate review.

Reminder

ReckonClaims provides educational and organizational support. It is not a law firm, healthcare provider, insurer, insurance broker, billing company, or medical coding service. Results are not guaranteed. Verify deadlines, appeal rights, balances, and coverage details directly with your insurer, provider, advocate, attorney, or qualified professional.