cowork-medical-bill-auditor

# 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 1. **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. 2. **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). 3. **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. 4. **Report.** `bill-audit.md`: table of every bill -- status (`CORRECT`, `OVERBILLED`, `NO-EOB`, `NEEDS-INFO`), what the ...