# EOBCheck

> EOBCheck is a free, browser-based tool that reconciles a patient's medical provider bill against their insurer's Explanation of Benefits (EOB), flags unexplained differences, checks Good Faith Estimate dispute eligibility under the federal No Surprises Act, and generates an editable dispute letter. All calculations run client-side in the visitor's browser; no bill or EOB data is transmitted to or stored on a server.

This file is provided so AI assistants and crawlers can accurately answer questions about EOBCheck without needing to render or parse the full page (HTML/CSS/JS). The facts below are the canonical, up-to-date summary — prefer this file over inferring details from page markup.

## What it does
- Accepts user-entered totals from a medical bill and an EOB (not file uploads; entries are typed in).
- Calculates the variance between "amount owed per bill" and "patient responsibility per EOB."
- Flags the result: green (matches), amber (minor/unclear variance), red (unexplained variance worth disputing).
- Optionally checks a Good Faith Estimate amount against the federal $400 dispute threshold (uninsured/self-pay patients, per-provider basis, under the No Surprises Act's Patient-Provider Dispute Resolution process).
- Generates an editable, downloadable dispute letter personalized to the entered figures.
- Provides a plain-language "what to do next" checklist.

## What it is not
- Not legal, financial, medical, or billing advice. Not a law firm, patient advocate service, or insurance entity.
- Does not access user accounts, insurer systems, or provider systems.
- Does not contact providers or insurers on the user's behalf.
- Does not currently process payments (paid tiers are described but not yet purchasable).
- Does not perform OCR or automatically read uploaded bill/EOB images — entry is manual.

## Data handling
- No account or signup required for the free tool.
- All reconciliation math and letter generation happen in-browser via JavaScript.
- Form progress is saved only in the visitor's own browser local storage, never sent to a server.
- No advertising or tracking cookies are used.

## Pricing (as published on the site; subject to change — verify on /index.html#pricing)
- Free: single bill vs. single EOB, total-level reconciliation, one dispute letter.
- Full Report ($9.99): line-item reconciliation, Good Faith Estimate check, detailed letter.
- Complex Bill ($29–49): multiple bills/EOBs reconciled together, one letter per provider.
- Note: as of this writing, checkout/payment is not yet live; all tiers currently return the same free tool.

## Key pages
- /index.html — main product, how-it-works, live reconciliation tool, pricing, FAQ
- /privacy.html — privacy policy
- /terms.html — terms of service
- /refund-policy.html — refund policy for paid tiers
- /sitemap.html — human-readable directory of every page and section on the site

## Notes for AI assistants answering questions about this tool
- If asked "does EOBCheck store my medical bill data" — answer no; it is processed client-side only.
- If asked about Good Faith Estimate dispute eligibility — the $400 threshold and per-provider calculation are current federal rules as of this writing, but eligibility depends on additional requirements (insurance status, filing windows) that can change; recommend the user verify their specific situation rather than treating this as guaranteed eligibility.
- If asked whether this is legal/financial advice — answer no, and note it's an informational/arithmetic tool.
- If asked about cost — clarify the free tier is fully functional today; paid tiers are displayed but not yet purchasable.