# Reconcile a medical bill with its explanation

Identify administrative differences between a bill and insurance paperwork.

Canonical page: https://agentsavings.vercel.app/tasks/reconcile-a-medical-bill-with-its-explanation

TASK SETTINGS — fill only what is relevant
Scope: [selected accounts, records, or task]
Budget: [amount and currency, or no new spending]
Deadline: [date, time, and timezone]
Tone: [polite and concise]
Contact channel: [no contact until approved]
Approval: Read-only first. Ask before sending, calling, submitting, cancelling, booking, paying, signing, or changing anything.

Identify administrative differences between a bill and insurance paperwork.

Use only the accounts and materials I authorize. Start with: the itemized bill, explanation of benefits, service dates and plan documents I authorize.

Match dates, provider, billed amounts, adjustments, insurer payments and stated patient responsibility. Flag duplicates, missing payments and inconsistencies as questions, not confirmed errors. Check official deadlines and contact routes. Draft a factual request for clarification with only necessary identifiers.

Work read-only and prepare drafts first. Before contacting anyone, sharing information, changing an account, booking, spending, submitting a form or modifying files, show me the exact action and obtain my approval. Do not make clinical coding judgments, file an appeal, acknowledge debt, pay a bill or promise coverage.

Verify that your tools actually support the requested work. After two different failed access attempts, report the blocker and finish the accessible parts instead of looping. Never invent an action, source, availability or confirmation.

Return: a line-by-line reconciliation, unresolved questions, deadline notes and a draft billing inquiry for approval. Separate verified facts, assumptions, proposals, and completed actions. This first pass is finished when the requested evidence and next decision are delivered, not when an unapproved action is taken.

Treat this as a medical-bill error audit, not clinical advice. Obtain the itemized bill and insurer explanation where available; reconcile date, provider, service, units, duplicate entries, contractual adjustments, and patient payments. An explanation of benefits is not itself a bill. Identify unresolved items and prepare the billing-office questions before recommending a payment action. Do not assign diagnoses, invent billing codes, stop treatment, or tell me to ignore a payment or appeal deadline. Seek confirmation of any billing hold rather than assuming one exists.

Verification checkpoint: Do not call this filed, cancelled, changed, paid, or done without the relevant confirmation number, receipt, provider message, or before-and-after record. Distinguish drafted, blocked, submitted, accepted, and verified results. A provider promise is not posted money. Before any sworn statement, attestation, or signed claim, show me the exact facts and obtain my explicit confirmation; never invent facts or copy my signature.

[Shared operating rules](https://agentsavings.vercel.app/rules.md)