LumoraClear connects securely to a user’s insurer via authorized APIs to automatically verify medical bills, flagging duplicate charges, mismatches, and other errors. It translates each line item into plain‑English, provides real‑time alerts, and offers a dashboard with spending insights while keeping all data encrypted and HIPAA‑compliant.
Funding
Funding not disclosed
Founders
Product
Problem
Medical billing is intentionally complex, with Explanation of Benefits (EOB) documents written in insurer jargon, duplicate charges that go unnoticed, and health records spread across multiple provider portals. As a result, most consumers cannot verify whether they are being overcharged or under‑paid by insurers.
Solution
LumoraClear automates medical bill verification by securely connecting to a user’s insurer via authorized APIs, pulling claim data, and cross‑referencing each charge against the policy’s coverage terms. The platform flags duplicate charges, mismatches, and other errors in real time and translates every line item into plain‑English explanations. Users receive instant alerts when a new claim is processed or a potential error is detected, and can view spending insights such as deductible progress and cost trends through a personal dashboard. All data remain encrypted and under the user’s control, eliminating the need for manual paperwork or phone calls.
Target Audience
Primary users are insured consumers who receive medical bills and want to understand and verify their out‑of‑pocket costs, as well as patient advocacy groups seeking tools to reduce billing errors.
Features
- Authorized API integration with major insurers (e.g., Aetna, Cigna) for direct, credential‑free data access
- Automated cross‑referencing of claims against coverage rules to detect duplicate charges and mismatches
- Plain‑English translation of every charge, adjustment, and co‑pay for easy comprehension
- Real‑time alerts notifying users of new claims, potential errors, or coverage changes
- Interactive spending dashboard showing deductible status, cost breakdowns, and future expense projections
- End‑to‑end encryption and HIPAA‑compliant data handling to keep personal health information private