Meet EOB Keeper — Match the EOB to the bill before you pay
EOB Keeper is the offline iPhone app for the 100 million Americans drowning in medical bills, EOBs, and surprise charges.
Finance
EOB Keeper
Match the EOB to the bill before you pay.
Every feature, from the first launch.
No account, no login, no cloud. Everything runs on your device and works fully offline — nothing in this post is hidden behind a wall.
What EOB Keeper does
EOB Keeper is the offline iPhone app for the 100 million Americans drowning in medical bills, EOBs, and surprise charges. It scans your insurance EOB and the matching provider bill, pairs them automatically, and warns you when you're being charged more than the EOB allowed.
The pain is real. 41% of US adults carry medical debt. 26% of insured adults got a surprise bill last year. And the apps that exist to help — Reclaim, BillMD, My Medical Receipts — either don't work, require an account, or upload your PHI to a server.
What EOB Keeper does:
— Scan EOBs and bills using on-device VisionKit OCR. Provider, date, codes, amounts. Nothing leaves the phone. — Auto-pair EOB to provider bill by date and service code. Get a green check when amounts match. Get a red flag when the provider is charging you more than the EOB allowed. — Deductible & out-of-pocket gauge per family member. Watch your $4,000 deductible burn in real time as you add visits. — Appeal-deadline reminders. The No Surprises Act gives you 120 days to dispute. EOB Keeper schedules a local notification so you don't miss it. — Per-member receipts archive with PDF export — your HSA reimbursement folder, ready to go.
No account. No cloud. No PHI on a third-party server. Just the matching engine the broken Reclaim app promised but never delivered.
A look inside
Tap any screenshot to open the full-resolution version.
What's inside
- Scan EOB or bill — VisionKit OCR extracts provider, date, codes, amounts; user confirms
- Auto-pair — Engine matches EOB↔bill on date/code and surfaces mismatches
- Deductible gauge — Ring shows deductible + OOP-max progress per family member
- Appeal calendar — Local notification 90/30/7 days before No-Surprises-Act 120-day deadline
- HSA folder — Filter year-to-date receipts and export a single PDF for HSA reimbursement
Why we built it
Americans cannot reliably match insurance EOBs to provider bills, miss appeal deadlines, and overpay on charges exceeding the EOB-allowed amount. Existing apps require accounts, are broken, or never shipped.
What makes it different
EOB Keeper is the only medical-bill app that runs on-device VisionKit OCR to auto-pair an EOB to the matching provider bill, flags when the provider charges you more than the EOB allowed amount, and schedules No-Surprises-Act appeal-deadline reminders — Reclaim's backend is broken (1-star review: 'can't connect throug…
Who it's for
Freelancers, contractors, and small-business owners who want their numbers right at tax time without renting a SaaS to do it.
In one line: Match the EOB to the bill before you pay.
Try it
See the EOB Keeper app page for the full feature list, the info table, and support links.
Use EOB Keeper, found a bug, or have a feature request? Comments are open below — anonymous is fine.
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