Medical Bill Clarity For $4.99
See likely overcharges before you call your provider or insurer.
Spato analyzes your bill against CMS benchmarks and gives you a practical dispute-ready report with an editable letter.
- Preview before payment
- One-time price, no subscription
- Original uploads deleted after processing
Why people use Spato
Medical bills can be difficult to validate quickly. Most people do not have a practical way to benchmark charges before they pay or dispute.
Confusing line items
Raw descriptions, mixed coding formats, and unclear pricing make it hard to spot issues.
No benchmark context
Without a baseline, people cannot tell if a charge is within a normal range.
Disputes are time-sensitive
Users need clear evidence and next steps quickly, not a generic checklist.
How it works
Step 1
Upload and preflight
Upload bill images or PDFs. Spato first checks if the document is analyzable and may show a preview before payment.
Step 2
Pay once
Continue with a one-time $4.99 checkout for a full analysis. No plan, no recurring charge.
Step 3
Review and act
See flagged issues, benchmark context, and an editable dispute letter in one report.
Trust and privacy first
Data handling
- Original uploads are deleted after processing.
- Saved analysis results stay in your account history until you delete them.
- You can delete individual analyses or your full account data.
Important framing
- Spato provides informational estimates, not legal advice.
- Benchmarks are based on CMS data and commercial context estimates.
- Final negotiated insurer rates can differ from benchmark ranges.
Read the full Privacy Policy, Terms, and Disclaimer.
Frequently asked questions
What does $4.99 include?
One bill analysis, issue summary, benchmark context, legal-rights context, and an editable dispute letter with full PDF export.
Is this legal advice?
No. Spato is an informational tool that helps you review billing patterns and prepare your own next steps.
Do you keep my uploaded bill image forever?
No. Original uploads are deleted after processing. Structured analysis outputs remain in your account history until deleted.
Can I use it before paying?
Yes. The upload flow performs preflight and may show a preview before checkout when analyzability confidence allows.
Why can benchmark estimates differ from my insurer outcome?
Final negotiated rates vary by plan and network terms. Spato provides benchmark context, not guaranteed settlement outcomes.
Ready to check a bill?
Start with signup, then upload your bill for preflight and analysis.