✉️ Letter Explainer

Medicare letters, hospital bills, insurance notices — they're written in confusing language on purpose. Take a photo of the letter or paste its text below, and we'll explain what it actually means in plain English, plus what you should do about it.

Step 1 — Take a photo of the letter (optional):

Tip: lay the letter flat in good light and photograph the main page.

Step 2 — Or paste/type the letter's text:

🔒 Private: your letter is explained and never stored. You may black out your name, address, and account numbers before uploading.

Please read: This tool explains letters in simple language, but it is not legal, medical, or financial advice. For bills involving large amounts or legal threats, consider calling the number on the letter (look it up independently) or asking a trusted family member — or your local SHIP counselor (free Medicare help: call 1-800-MEDICARE and ask for SHIP).

Letters Seniors Ask About Most

"This is not a bill" — then what is it?

That's an Explanation of Benefits (EOB). It shows what your insurance was charged and what it paid. It is not asking you for money — keep it for your records.

"Your Medicare card needs updating" — is this real?

Medicare will never call, text, or email asking for your Medicare number to send a "new card." That is a scam. Real Medicare letters come by postal mail.

"Prior authorization required" — what does that mean?

Your insurance wants your doctor to get approval before a treatment or medicine is covered. Call your doctor's office — they handle this paperwork for you.

"You owe a balance" — do I pay right away?

First check: did insurance already pay part of it? Compare with your EOB. If the amount looks wrong, call the billing number on the statement and ask for an itemized bill before paying anything.