Our story
About kupu
The patient financial platform that should have existed for decades.
It started with a bill that didn’t add up. Not a denial with a clean “no” — those you can fight. This was the other thing insurers do: delay, request more documentation, let the appeal window inch closed, and bet that the financial pressure does their work for them. Most people pay. Most people give up. That’s the design.
The realization underneath it: the patient financial experience is broken in ways that are knowable and fixable. The denial reasons follow codes. The billing errors follow patterns. The appeal rights are written down. None of it is a mystery — it’s just been kept on the far side of a process built to outlast you.
The problem
A system designed against you
Denials at scale. Appeal processes buried in complexity. Bills you can’t audit, deductibles you can’t track across providers, rights you were never told you had. Each number below is a lever the system pulls — and every one of them is knowable.
- Deny
- a claim refused, with a code nobody explains
- Discourage
- a letter written so you won't appeal
- Miscount
- a bill that doesn't match what your plan says you owe
- Collect
- a balance sent to collections while you're still sorting it out
Who built this
Scott Ruffin
Nearly three decades building systems that use data to find patterns and act on them — operations leadership at Amazon and Walmart. Marine Corps veteran. After an unexpected medical bill revealed how broken the patient financial experience is, he built kupu to be the patient’s counter-system.
Contact
hello@kupuhealth.comFighting a denial or a bill that looks wrong?
kupu reads your EOBs, flags billing errors, and generates the appeal and dispute letters you need. The beta is free while spots last. Join the waitlist and be first to know when yours opens up.