About Kupu

A system designed against you

The healthcare system is designed to overcharge you. Billing errors are systematic, not random. Denials are issued at scale — 19% of in-network claims get denied, and less than 1% of patients ever fight back. Hospitals and insurers use software built to catch revenue, not accuracy. And patients are left to navigate it alone.

It's not just billing errors. Patients overpay because they can't track their deductible across providers, don't know their appeal rights, and have no way to compare what they're charged to what they should be charged. The entire patient financial experience is broken.

Knowable and fixable

Scott Ruffin spent 20 years building systems at Amazon and Walmart — using data to find patterns and build automation around them. After an unexpected medical bill landed on his desk, he realized: the patient financial experience is broken in ways that are knowable and fixable.

So he built Kupu — the patient financial platform that catches billing errors, fights denials, tracks your costs against your plan, and coaches you through every healthcare dollar. Free during beta. Built for everyone.

On the patient's side

Kupu exists to fix the patient financial experience — the whole thing, not just one piece.

We're on the patient's side. Every person should know if they're being overcharged. Every person should be able to fight back with the right documentation, the right language, and the right tools. The healthcare system wasn't built for you — Kupu was.

Get in touch

For press inquiries, partnership opportunities, or general questions, reach out at hello@kupuhealth.com.