Free bill audit and benefits analysis. We'll tell you if you've been overcharged and what your plan covers — in under five minutes.
Three free tools, working together to lower your bills, unlock your benefits, and pick the right plan.
No spreadsheets, no calls to your insurer, no medical-billing degree required.
Snap a photo of your insurance card and upload your bills. We scan everything automatically to fill in your plan details.
We compare every charge to benchmarks, flag errors, and surface covered benefits you're leaving on the table — in seconds.
Dispute letters, case files, benefit guides — everything you need to fight overcharges and get the most out of your plan.
In beta and on the way — built on the same plan and bill data.
Compile your audit, dispute letters, and evidence into a downloadable case file. Browse healthcare billing attorneys when you need one — no referral fees, ever.
Find HSA/FSA-eligible benefits inside your plan, and shop a curated marketplace of products that qualify — telehealth, vision, therapy, and more.
See what other Candid users actually paid for the same procedure. Find providers who bill fairly — built on real, anonymized data from the community.
Upload your bill to Candid Claim. We compare every charge against benchmarks and flag overcharges, duplicate codes, unbundled procedures, and balance billing — each with a severity rating and dollar estimate. Read the guide: How to know if you were overcharged →
Candid generates ready-to-send dispute letters based on the errors found in your audit. You review the letter, customize it if needed, and send it yourself. You stay in control. Read the guide: How to fight a medical bill →
Your EOB shows what your insurer processed for a claim — the negotiated rate, what the plan paid, and your share. The provider's bill is what they want to collect, and the two don't always match. Candid reads both, reconciles them line by line, and flags anything the EOB says you shouldn't owe. Read the guide: How to read an EOB →
Start with an internal appeal — most denials can be appealed within 180 days. Candid reads your denial and your plan documents, then drafts an appeal letter citing the plan language that supports coverage. If the appeal fails, we help you escalate, up to an external review request.
You can demand the collector validate the debt — Candid drafts a debt-validation letter for free. Federal law gives you 30 days from the collector's first notice to request validation, and we help you keep disputing the underlying bill.
It depends on your plan. Candid reads your policy and shows you covered benefits in plain English — including therapy, acupuncture, chiropractic, preventive screenings, and more. Read the guide: What does my health insurance actually cover →
Candid Compare lays up to three plans side by side — premiums, deductibles, copays, and what's actually covered — with every number sourced from real plan documents.
Candid adds up what you've actually paid across your uploaded bills and shows your progress toward your deductible and out-of-pocket max — and flags it when the insurer's numbers don't match your records.
Yes. Candid Claim's bill audit and benefits discovery tools are free. No credit card required.
Candid applies HIPAA-grade security safeguards by design (we are not a HIPAA-covered entity). Your documents are encrypted at rest and in transit. We never sell your personal health information. Every consent event is logged and you can revoke access anytime. Read our Health Data Privacy notice →
Upload your first bill and get your audit free — no credit card required. If something's wrong, we'll draft the dispute letter for you.