When your claim is denied
Deny. Delay. Wait you out. That’s the playbook.
kupu ends it.
Photograph your denial or your bill. kupu tells you what it actually says, what looks wrong, and drafts the appeal or dispute with you. Most people never push back. You can.
No card. No commitment. Free during the beta. Beta cohorts start in October.
The playbook
It isn’t broken. It’s working as designed.
- 01Denya claim refused, with a code nobody explains
- 02Discouragea letter written so you won't appeal
- 03Miscounta bill that doesn't match what your plan says you owe
- 04Collecta balance sent to collections while you're still sorting it out
The counter-system
Four moves of your own
Scan
Photograph the denial, the bill, the EOB. kupu’s OCR pulls every line item, code, and denial reason.
kupu · Scan results
- 99213Office visit$285
- 80053Metabolic panel$118
- 80053Metabolic panelDuplicate$118
- 36415Venipuncture$32
- 85025CBC w/ diff$64
3 issues found · Potential savings $412
Detect
Seven detection algorithms check for duplicates, unbundling, overcharges against Medicare benchmarks, math errors, and more. The errors become your evidence.
Fight
kupu writes the appeal or dispute letter with the right regulatory citations — ACA, ERISA, or state law — and tracks every deadline.
Track
Deductible, out-of-pocket max, spending across providers. When your insurer’s numbers don’t match yours, you hear about it first.
The receipts
Built to level the playing field
- 7
- detection algorithms
- On phone
- your documents are read on your device
- $0
- during the beta
- 24/7
- no hold music, no callbacks
What a resolved case looks like
Appeal upheld
Patient responsibility
$0
Security
Your data belongs to you. Only you.
Never sold. Never used for any purpose except direct support of you, at your direction.
Your documents are read on your phone and stay there. The few things that leave it, code lookups and the record of an appeal you sent, carry a random app ID instead of your name, and you can delete them from Settings. Analytics only if you opt in.
FAQ
Questions?
My claim was denied. Can kupu help?
That’s exactly what kupu is built for. kupu analyzes the denial reason, scans for billing errors hiding inside the claim, and generates your appeal letter with the right regulatory citations (ACA, ERISA, or state law depending on your plan) and deadlines. The system counts on you giving up. kupu makes sure you don’t.
How does kupu find billing errors?
kupu runs seven detection algorithms against every bill and denied claim: duplicate charge detection, NCCI unbundling analysis, overcharge detection using Medicare fee schedules, deductible misapplication, math errors, out-of-pocket maximum violations, and facility fee analysis. These billing errors often cause or complicate denials — and they become the evidence that strengthens your appeal.
What if I have a bill, not a denial?
kupu handles both. Upload any medical bill and kupu scans it for errors, generates dispute letters if something’s wrong, and tracks the charges against your deductible and out-of-pocket max. Catching errors early can prevent denials down the road.
Is my medical data safe?
Your documents are read on your phone and stay there. Two things do leave it: lookups that send billing codes, denial codes, payer and provider names, and your state to kupu's own server, and a short record when you mark an appeal sent or record its result. Both carry a random app ID, not your name. We never sell your data. You can delete everything, including those records, from Settings.
What types of documents can kupu analyze?
Denial letters, medical bills, and EOBs (Explanations of Benefits). kupu works best with itemized bills that include CPT codes. Take a photo or upload a PDF — kupu handles the rest.
How much does kupu cost?
Free during beta. Once we exit beta, kupu will offer a freemium model: basic denial fighting and bill auditing free, premium features in a paid tier. Join the waitlist to get access to an upcoming beta cohort. Participants who complete a beta cohort lock in free access for life.
Who built this?
Scott Ruffin — former Amazon and Walmart operations executive, Marine Corps veteran. After 28 years building systems that use data to find patterns, an unexpected medical bill revealed how broken the patient financial experience is. He built kupu to be the patient’s counter-system.
Your insurer is betting you’ll give up.
Take the bet. The beta is free, and finishing a cohort locks in free access for life.
Free during the beta. Beta cohorts start in October.