How X-Raye works

1
Upload your episode of care
Add the hospital bill, each provider bill and every EOB from the same visit. They're read together, not one at a time.
2
We read what's already on the page
Dates, providers, charges, adjustments, payments, plan cost-share and any billing codes present are extracted from your documents.
3
We ask only for what's missing
If something material can't be read from your documents — like whether you were told the provider was in-network — we ask. Nothing else.
4
Free X-Raye
You see your verdict, how many items look worth reviewing, and the potential amount worth challenging.
5
Full X-Raye — $39
Every finding with its evidence and confidence, pricing and insurance reconciliation, patient protections, and a specific action plan.
6
30 days of follow-up
Upload revised bills, updated EOBs and provider responses into the same episode. Changes are compared and no second charge applies.

Billing terms in plain English

Allowed amount: The maximum amount your insurance uses when calculating what the plan and patient may owe for this service.
Contractual adjustment: The part of a charge an in-network provider agrees to write off. It isn't billed to you.
Coinsurance: A percentage of the allowed amount you pay after your deductible is met.
Explanation of Benefits (EOB): Your plan's summary of how a claim was processed. It isn't a bill, but it says what you should owe.
Good Faith Estimate: A written cost estimate you can receive before scheduled care if you're uninsured or paying yourself.
Itemized bill: A line-by-line list of every charge, with codes and units. It's what makes a real coding review possible.

X-Raye provides informational medical-billing analysis and is not medical, legal, insurance, or financial advice.