Step 1 of 3 · Decode → Appeal → Negotiate

What does your EOB actually say you owe?

Hidden in every Explanation of Benefits is the real answer: what the provider billed, what your insurer allowed, and what the insurer expects you to pay — plus the denial code if a claim was refused. ClaimSage decodes it into a plain-English breakdown so you know where you stand before deciding whether to pay, dispute, or appeal.

1Decode (you are here) 2Appeal 3Negotiate
What you get from decode

Three things every EOB should tell you — and usually doesn't.

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Billed vs. allowed vs. you-owe

The provider's sticker price, the contracted rate your insurer will actually pay, and the slice they expect you to cover. Three numbers, side by side, with every dollar accounted for.

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Denial code in plain English

If your claim was refused, the denial code reads like alphabet soup. Decode turns it into a sentence — what the insurer is actually claiming, and whether the reason is something you can overturn.

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Next step: pay, dispute, or appeal

For every claim, a recommended next action. Pay if it's accurate. Dispute if the math is off. Appeal if a denial looks wrong — and exactly which statutes and deadlines apply in your state.

Ready? Decode your claim

Six fields, ~60 seconds. ClaimSage turns them into a plain-English breakdown of what was billed, what was allowed, and what you actually owe.

Decode My Claim →

Free. No account needed.

3 numbers billed, allowed, and what you owe — surfaced from every EOB
50+ states denial code lookup and next-step recommendations per state
~30 sec from upload or paste to a full plain-English breakdown

Your EOB was written by your insurer. Decode reads it like a friend.

Insurers use dense codes, three-letter acronyms, and language designed to look final. Decode strips all that out — and tells you what the document really means, in words you'd actually use.

After decode

Where decode fits in the lifecycle.

If decode tells you to appeal, you're already on step 2. If the math is right and you just need help paying, step 3 is for you.

Appeal a denied claim → Talk to a broker for next year → Check benefits eligibility →

Questions about Decode

What does the Decode tool actually do?
You paste or upload an Explanation of Benefits, and ClaimSage extracts provider, service date, billed amount, allowed amount, plan-paid amount, and patient responsibility — plus any denial codes with their plain-English meaning. The output is a single read-friendly summary plus a recommended next step (pay, dispute, or appeal).
How is Decode different from your existing EOB Reader?
The current EOB Reader extracts the raw fields into a structured record. Decode is the layer on top: it interprets the numbers, explains denial codes in plain English, and tells you what to do next based on what it sees. It's the difference between a receipt and a friend who reads it for you.
Is my health information kept private?
Yes. EOBs are processed to extract the fields and the breakdown text — ClaimSage does not store the underlying document, sell your data, or share it with insurers. Read the Privacy Policy for the full data-handling details.
When is Decode launching?
Decode is in private beta. Joining the waitlist puts you in line for early access — we'll email you with a link the day it opens. We're targeting a broader rollout in the coming weeks.
Will Decode help me appeal if my claim was denied?
Decode tells you when an appeal is the right move — and surfaces the denial code, deadline, and statutes involved. To actually draft and send the appeal letter, use the ClaimSage Appeal Letter Generator (Step 2 of the lifecycle) — $249 success fee only if you win.