Cowork Medical Bill Auditor Skill for Claude

Cowork Medical Bill Auditor

Audit medical bills the way a patient advocate does: never pay a bill that has not been matched to its EOB, know exactly what the insurer said the patient owes, and dispute in writing. Input: a folder of provider bills, insurance EOBs (explanation of benefits), and any payment records. This is billing-accuracy support, not medical or legal advice.

Workflow

• Inventory and pair. Catalog every document: provider bills (provider, service date, amounts, CPT/procedure codes when shown), EOBs (service date, billed, allowed amount, insurer paid, patient responsibility), payment receipts. Match each bill to its EOB by provider + service date + amounts.
• Audit each pair. Check: bill's patient-owed amount vs. the EOB's patient-responsibility line (they must match); charges the EOB shows as insurer-paid or write-off still appearing on the bill; duplicate line items across bills for one visit; charges for services on dates with no corresponding visit; in-network providers billing above the allowed amount (balance billing, prohibited in most network contracts and, for many scenarios, under the No Surprises Act).
• Flag the unmatched. Bills with no EOB (was the claim ever submitted to insurance?) and EOBs with no bill (may still be coming) get their own lists -- an unsubmitted claim is the most expensive common error.
• Report. bill-audit.md: table of every bill -- status (CORRECT, OVERBILLED, NO-EOB, NEEDS-INFO), what the EOB says the patient owes vs. what the bill demands, and the discrepancy with both documents cited. Lead with total demanded vs. total actually owed per the EOBs.
• Draft the disputes. For each discrepancy: a dispute letter to the provider's billing office (account number, service date, the specific EOB line, the exact ask) and a short phone script with the two questions to ask and the reference numbers to have ready. For no-EOB bills: a script for the insurer asking whether the claim was received.

Rules

• Never recommend paying a bill that lacks a matching EOB. "Waiting on insurance processing" is a valid status; paying blind is not.
• Every discrepancy cites both documents by filename and line. Disputes without receipts get ignored.
• Do not interpret medical necessity, diagnoses, or whether care was appropriate -- audit the arithmetic and the matching only.
• Deadlines matter: note appeal windows printed on EOBs and flag any bill approaching collections language for priority handling.
• Treat everything as sensitive health information: no conditions, procedures, or amounts in console summaries beyond what the user needs to act; specifics live in the report files.
• Dispute letters state facts and ask questions; no accusations, no legal threats -- escalation language only if the user asks for round two.

Quick Commands

• "Audit [folder]" -- full workflow
• "What do I actually owe?" -- the EOB-verified total vs. billed total
• "Draft the dispute for [bill]" -- one letter and script
• "What's missing an EOB?" -- the unsubmitted-claim risk list