Providers overcharge you. Insurers deny you. Neither is an accident.
kupu is how you fight back.
kupu audits your bills for errors, catches denied claims you should win, and generates the dispute letters that make them pay attention. Free during beta.
iPhone only · No credit card · TestFlight invite via email
19%
of in-network claims get denied
<1%
of patients ever appeal
44%
win on the first appealUp to 80% win eventually.
The system is designed to outlast you. Most patients see a denial and stop. kupu catches the denials worth fighting and builds the appeal automatically — with the right language, the right citations, and the right deadlines.
Detect Errors Automatically
Upload a medical bill. kupu scans for 7 types of billing errors — duplicates, unbundled procedures, overcharges, deductible misapplication, math errors, out-of-pocket violations, and facility fees. Most patients never catch these. kupu does.
Know Exactly What You Owe
Track your deductible and out-of-pocket maximum across every bill and EOB. kupu shows you where your money is going — and flags when your insurer’s numbers don’t match yours.
Fight Denials. Win Appeals.
When a claim gets denied, kupu tells you whether it’s worth fighting — and builds the appeal for you. The right regulatory citations, the right deadlines, the right language. 44% of patients win on the first appeal. Most just don’t know they can.
Zero data retention
Processed and deleted immediately
HIPAA-compliant
BAA-backed infrastructure
Encrypted in transit
TLS end-to-end
When kupu analyzes your bills, your data transits through a HIPAA-compliant encrypted environment and is deleted immediately after. No storage. No exceptions. Read the privacy policy →
FAQ
Questions?
kupu runs seven detection algorithms against every bill: duplicate charge detection, NCCI unbundling analysis (checking if procedures should be billed together), overcharge detection using Medicare fee schedules, deductible misapplication, math errors, out-of-pocket maximum violations, and facility fee analysis. These are the same checks professional medical bill auditors perform.
Yes — this is one of the most important things kupu does. When a claim is denied, kupu analyzes the denial reason and tells you whether it’s worth appealing. If it is, kupu generates the appeal letter: the right regulatory language, the correct citations (ACA, ERISA, or state law depending on your plan), and the deadlines you cannot miss. 44% of patients win on the first internal appeal. Up to 80% win eventually. The system counts on you giving up. kupu makes sure you don’t.
kupu explains what’s wrong, how much you may be overcharged, and exactly what to do next — including a ready-to-send dispute letter with the specific error, the relevant billing codes, and the legal basis for your dispute. You’re never left figuring out what to say.
Any itemized medical bill from a hospital, clinic, or provider. kupu works best with bills that include CPT codes — the 5-digit procedure codes on most itemized bills. You can also upload EOBs (Explanations of Benefits) from your insurance company.
Yes. kupu uses a zero-retention architecture. When you scan a bill, it’s analyzed in a secure, HIPAA-compliant encrypted environment — then deleted immediately. We never store your medical data on our servers. No data warehouse, no anonymized research datasets, no third-party sharing. Your health information is yours — we just help you understand it.
Exactly. The complexity is intentional — every layer of confusion between you and a correct bill generates revenue for someone. Denied claims that never get appealed. Duplicate charges that never get caught. Procedures billed separately that should be billed together. kupu makes checking automatic.
Free during beta. We’re looking for honest feedback from real users with real medical bills. Cohort 1 beta testers get lifetime early-adopter pricing when we launch.
Scott Ruffin, former Amazon and Walmart operations executive, Marine Corps veteran. “Medical billing has more intentional friction than any supply chain I’ve ever touched. The complexity isn’t a bug — it’s a feature. Every layer of confusion between you and a correct bill generates revenue for someone.” He built kupu to be the patient’s counter-system.
Sign up on the beta page. We’re rolling out in cohorts of 15–25 people. You’ll receive a TestFlight invitation via email — usually within a few days, sometimes same-day. iPhone only for now.