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Client-side bill auditing tool

Audit any bill.
Find the errors.

Upload a medical bill, receipt, paycheck, or loan statement. BillVeto checks every line against official CMS (Centers for Medicare & Medicaid Services) rates and flags overcharges, duplicates, and calculation errors.

No account requiredRuns locally in your browserOpen source

Drop your bill here, or click to upload

Supports PDF, photos, and text files up to 20 MB

PDFPhotoTextCSV

On mobile, tap to use your camera.

Tips for best results with photos
  • ✓ Lay the bill flat on a well-lit surface
  • ✓ Make sure all text is in focus and not blurry
  • ✓ Avoid shadows and glare across the text
  • ✓ Include the entire bill in the frame
  • ✓ For multi-page bills, upload one page at a time or paste the full text

BillVeto auto-detects what you paste — medical bill, receipt, paystub, or loan statement — and runs every applicable check.

Processed locally in your browser. Nothing is sent to a server.

Process

How It Works

Three steps. Under a minute.

Upload Your Bill

Take a photo, upload a PDF, or paste the text. Supports medical bills, receipts, paystubs, loan statements, and restaurant tabs.

Automated Analysis

BillVeto identifies the bill type and cross-references every line item against a database of 400+ codes sourced from CMS (Centers for Medicare & Medicaid Services) fee schedules — covering medical, mental health, physical therapy, lab work, ambulance, equipment, maternity, ophthalmology, dermatology, neurology, pain management, and 15+ other specialty categories.

Dispute Letter

If errors are found, BillVeto generates a professional dispute letter citing specific CPT (Current Procedural Terminology) codes, Medicare rates, and relevant legal references.

Rate Database

400+ CPT (Current Procedural Terminology) / HCPCS (Healthcare Common Procedure Coding System) codes sourced from CMS (Centers for Medicare & Medicaid Services) Medicare Physician, Clinical Lab, Ambulance, and DMEPOS Fee Schedules (2024–2025).

Detection Methods

Flags charges exceeding 2.5x fair-market rates, CCI (Correct Coding Initiative) bundling violations, duplicate charges, and common upcoding patterns.

Privacy Architecture

Static site with no backend. All processing happens in your browser via WebAssembly. No data is transmitted, stored, or logged.

Insurance

Insurance Payment Verification

Upload your Explanation of Benefits (EOB) to verify your insurance company paid what they owe.

What Gets Checked

  • Allowed vs. billed amounts — Verifies your insurer's allowed amount is reasonable compared to fair market rates
  • Patient responsibility — Checks that co-pay, co-insurance, and deductible amounts are calculated correctly
  • Denied claims — Flags services that are commonly covered but were denied
  • Surprise billing — Identifies potential No Surprises Act violations
  • Preventive care — ACA (Affordable Care Act)-mandated preventive services must be covered at $0 cost-sharing when using in-network providers

Your Legal Rights

  • No Surprises Act (2022) — Protects against surprise bills for emergency services and out-of-network care at in-network facilities
  • Right to appeal — Insurers must offer internal and external appeal processes reviewed by independent third parties
  • Itemized billing — Under HIPAA, patients have the right to access their billing records. Providers must respond to itemized bill requests within 30 days
  • Good Faith Estimate — Uninsured and self-pay patients can request a cost estimate before treatment. If the final bill exceeds the estimate by $400 or more, you can dispute it through HHS within 120 days
  • Charity care — Non-profit hospitals (more than half of all U.S. hospitals) are legally required under IRS Section 501(r) to have financial assistance policies. Many reduce or forgive bills for patients under 200–400% of the federal poverty level
  • Medical debt credit protections — As of 2023, the three major credit bureaus no longer report medical debt under $500, and paid medical collections are removed from credit reports
  • ACA (Affordable Care Act) preventive care — Certain screenings, vaccines, and wellness visits require $0 cost-sharing when using in-network providers

Why this matters

$220 Billion
in U.S. medical debt
Source: KFF (Kaiser Family Foundation)
Up to 80%
of medical bills contain errors
Sources: Becker's Hospital Review, Healthline
3 in 4
reported billing errors get corrected
Source: JAMA Health Forum

Questions

Frequently Asked Questions

Is this really free?

Yes. BillVeto is a static site — there are no servers to maintain and no user data to manage, so there's nothing to charge for. It will remain free.

How accurate is the audit?

BillVeto checks against 400+ CPT (Current Procedural Terminology) / HCPCS (Healthcare Common Procedure Coding System) codes from the CMS (Centers for Medicare & Medicaid Services) Medicare Physician Fee Schedule, Clinical Lab Fee Schedule, Ambulance Fee Schedule, and DMEPOS Fee Schedule (2024-2025). It covers emergency, inpatient, outpatient, mental health, physical therapy, lab work, ambulance, medical equipment, maternity/OB, ophthalmology, dermatology, ENT, neurology, orthopedic, urology, pulmonology, gastroenterology, pain management, wound care, allergy, dialysis, speech therapy, and chiropractic charges. It catches above-market pricing (2.5x+ the fair rate), CCI (Correct Coding Initiative) bundling violations, duplicate charges, and common upcoding patterns. For complex clinical disputes, consult a medical billing advocate.

Is my data private?

BillVeto is a static site with no backend server or database. Your bill is processed entirely in your browser using client-side JavaScript. No data is transmitted, stored, or logged. This is an architectural guarantee — there is no server that could receive your data even if it tried.

Does the dispute letter work?

Research published in JAMA Health Forum shows that roughly 3 in 4 consumers who formally report billing errors get them corrected. A dispute letter citing specific CPT (Current Procedural Terminology) codes, Medicare rates, and legal references gives you a structured starting point.

Can I use this for insurance EOBs (Explanation of Benefits)?

Yes. Paste your EOB (Explanation of Benefits) text and BillVeto will verify billed amounts, allowed amounts, and patient responsibility calculations. It flags denied claims that should be covered and potential No Surprises Act violations.

What if my bill doesn't have CPT codes?

Request an itemized bill from your provider — they're legally required to provide one within 30 days. An itemized bill with CPT (Current Procedural Terminology) codes gives BillVeto the most data to work with.

How are the rates kept current?

CMS (Centers for Medicare & Medicaid Services) publishes updated Medicare fee schedules annually as public data. The current rate database reflects 2024-2025 national averages and is updated each year from this official source.

Resources

Free Help With Medical Bills

Government-funded programs that provide free assistance — no strings attached.

Medicare Rights Center

Free helpline for anyone with Medicare questions. Call 1-800-333-4114 (Mon–Fri, 9am–5pm ET).

SHIP Counseling

Free one-on-one health insurance counseling in every state. Find your local program at shiphelp.org.

State Attorney General

Every state AG has a free consumer complaint process for billing disputes. Search “[your state] attorney general consumer complaint” to file online.

CFPB Complaint Portal

File a complaint with the Consumer Financial Protection Bureau about medical debt or billing at consumerfinance.gov.

Hospital Financial Assistance

Non-profit hospitals must offer charity care under IRS Section 501(r). Ask for their “financial assistance application” — many patients qualify for 50–100% bill reduction.

No Surprises Help Desk

CMS operates a help desk for No Surprises Act questions and Good Faith Estimate disputes. Call 1-800-985-3059.

Support

Get in Touch

Questions about your audit results, help with a dispute, or general feedback.

[email protected]

We typically respond within 24 hours.

Audit Questions

Help understanding results or what the findings mean

Dispute Guidance

How to send your letter, next steps, and follow-up

General

Feedback, bug reports, or feature suggestions

General inquiries: [email protected]

Keep BillVeto Running

BillVeto is built and maintained by one person. There are no ads, no data collection, and no premium tier.

Your support is the only thing that keeps this tool free and actively maintained. Even a small contribution helps cover development time and infrastructure costs.

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