From confusion to evidence
Before you pay a confusing medical bill, understand exactly what it says.
Upload a medical bill, EOB, insurance denial, pharmacy denial, or collection notice. Mareva organizes the facts, highlights issues worth reviewing, and explains your next steps — questions, letter, and phone script — in the language you understand best.
- Available in 10 languages
- Free basic scan
- No card required
- You approve every action
You're not alone
If a healthcare document has you stuck, start here.
These are the moments Mareva was built for — the paperwork that arrives without warning and doesn't explain itself.
A bill that doesn't add up
Charges you don't recognize, and a balance that doesn't match what you expected.
A denial you didn't expect
Coverage refused — with an appeal deadline buried somewhere in the letter.
A notice at the door
A collection letter for care you thought had already been handled.
Supported documents
Five documents. One clear place to make sense of them.
Mareva shows what it organized from each — and what it couldn't.
Medical bill
- Charges & adjustments
- Patient balance
- Duplicate-looking lines
- Missing itemization
EOB
- Allowed amount
- Plan payment
- Patient responsibility
- Reason codes
Insurance denial
- Denial reason
- Appeal deadline
- Requested documents
- Questions to ask
Pharmacy denial
- Denial reason
- Coverage notes
- Formulary options
- Next-step routes
Collection notice
- Amount claimed
- Validation window
- Right to request info
- Deadlines to verify
Available in 10 languages
Healthcare paperwork should not require perfect English.
Mareva turns complicated billing and insurance language into a clear explanation in the language you understand best — while the original document and every figure stay exactly as written.
Denial notice — from your insurer
The original notice — and every amount, date, and code — stays exactly as written. Only the explanation changes language.
- Denial reason: “not medically necessary.”
- Deadline: you have 60 days to appeal (from the notice).
- Patient responsibility: $1,940.00
Your report and phone script appear in English. Formal letters for U.S. billing offices stay in English — with a translated explanation of every section, so you know exactly what it says.
Mareva supports 10 languages:
English · Español · 中文 · Tiếng Việt · Tagalog · 한국어 · हिन्दी · नेपाली · العربية · Français
The method
From a confusing document to a controlled next step.
Confusing document
Dense charges, codes, adjustments, and denial language you didn't write and can't easily parse.
Organized facts
Provider, date of service, billed amount, insurer payment, patient responsibility, and deadlines — pulled out and labeled.
Issues worth reviewing
Possible duplicates, mismatches, missing itemization, or ambiguous denials — each tied to the source and a confidence level.
Controlled action
A short plan: the question to ask, the document to request, the letter to send, the response to record.
How we stay honest
We never blur three very different things.
A fact, a possible issue, and a suggested step stay separate — so you always know what's certain and what isn't.
Something the document states
“The notice states the appeal is due within 60 days.”
Something worth reviewing
“The patient balance does not appear to match the EOB.”
Something you may consider
“Ask for an itemized bill and compare it with the EOB.”
Review priority
Not a mysterious score. A plain-language priority.
It reflects deadlines, amount size, discrepancies, and missing information. High priority does not mean the bill is wrong — it means it deserves a closer look.
Worth a close look soon. May involve a deadline, a large amount, missing information, or a significant discrepancy.
Worth reviewing. Some details may be inconsistent, but nothing appears time-critical from the document provided.
Looks straightforward. The document appears internally consistent, with no obvious issues from what was uploaded.
We can't say yet. The document is incomplete or unreadable — a clearer or fuller version improves reliability.
The other side of it
From a pile of paper to a plan you understand.
You don't have to become an expert in billing codes. Upload what you have, see it organized, and take the next step with the facts in front of you.
See before you pay
A full sample report — using fictional information.
Not one long AI paragraph. A structured, evidence-linked document you could hand to a billing office.
Case summary
Amount reconciliation
Findings + evidence
Dates + deadlines
Draft letter
Phone script
How it works
Five steps. You stay in control the whole way.
Upload
Add a bill, EOB, denial, or collection notice — PDF or photo.
Understand
Facts are extracted and organized in plain language.
Review
See possible issues, the evidence behind each, and what's uncertain.
Prepare
Get questions, a draft letter, and a phone script — all editable.
Follow up
Upload the response and compare what changed on the same case.
Your privacy
Your documents are sensitive. We treat them that way.
Plain language about what happens to your document — not buried in a legal page.
Stored privately, tied to your account
Files sit in private storage with per-account access — not on a public URL.
Analyzed, not sold
Contents go to our analysis provider via a business API — never sold or used for ads.
You consent before you upload
We ask for explicit opt-in to process health information — and you can withdraw it.
Delete anytime
Remove a document, a case, or your whole account from your privacy controls.
Mareva is a consumer tool and is generally not a HIPAA covered entity. We describe only architecture we actually use. See our Consumer Health Data Policy.
Pricing
Start free. Pay once, per case, or go unlimited.
No fake urgency. No preselected upgrades.
Free scan
$0
- Plain-language summary
- Amounts side by side
- Possible red flags
- No card required
Single case
$49 one-time
- Everything in Free
- Full detailed report
- Ready-to-send letter + phone script
- PDF download
Unlimited Monthly
$39/mo
- Unlimited cases & full reports*
- Everything in Single case
- Cancel anytime
Unlimited Yearly
$349/yr
- Everything in Monthly
- One payment for the year
*Unlimited is for personal and household use — see Terms.
What people are saying
Real words from real users
“I bought the unlimited case and submitted my hospital bill, it only not explain me the hospital bill in my native language, also showed me the clear path to move forward with exact letter to write and what to ask on phone. lets see how the outcome will be. But so far I liked the service they offered, its very easy to use and they explain it in my own language. Juan Carlos”
kishor
“Wow, it truly works, I am amazed. Thank you Guys!!”
nilufa
From panic to plan
Be one of our founding members
Mareva is new — and that's an advantage for you. Early users get direct input into what we build next, and your feedback shapes how millions of confusing medical bills get explained. Run your first document through for free and tell us what you think.
Founding offer: the first 100 people get the full report free (normally $49).
Use code FOUNDER50 after your free scan — 98 of 100 spots left.
- Free basic scan on every case — no card required
- A founder who reads every piece of feedback
- Real reviews only — what you see here will always be from real users
Questions
Straight answers.
No. Mareva is a software tool that helps you understand documents and prepare your own communication drafts. It does not provide medical, legal, or financial advice.