Health information is hard to read on purpose. We are working on making the financial side of it understandable.
WHERE THIS STANDS TODAY
This initiative is in development. Project Canal exists as a working iOS app and is being extended to the web. Nothing on this page is a medical service, and none of it is medical advice.
Explanation of benefits
A bill that is not a bill.
An EOB looks like an invoice, uses different numbers to the ones you owe, and rarely says what to do next.
Denials
A refusal you can often challenge.
Fewer than one in a hundred denied claims are ever appealed, usually because nobody knows the window is open.
Deductibles
Numbers that move while you are not looking.
What you owe depends on where you are against your deductible and out-of-pocket maximum on that day.
Billed and allowed
Two prices for the same care.
The billed amount, the allowed amount, and the part that is yours are three different numbers, and only one matters to you.
Join early access
Be told when the web version opens to a first group.
Join the waitlist ›
Share your experience
Tell us about a bill or a denial that made no sense. Please do not send medical documents.
Get in touch ›
Research with us
For clinicians, advocates, and organisations working on the same problem.
Start a conversation ›
1. Appeal-rate figure from KFF research on claim denials and appeals, 2024. 2. PonderOn Health provides financial and insurance information only. It is not medical advice, not a medical service, and not a substitute for speaking to a clinician or your insurer. 3. This initiative is in development. Anything described here may change, be delayed, or not be released.
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