Point Cowork at a folder of medical bills and insurance EOBs -- matches every bill to its explanation of benefits, catches duplicate charges, balance-billing, and bills that ignore your insurance, then drafts the dispute letters and phone scripts. Most medical bills contain errors; this finds them.
SkillScore68Maintained
Automatic
◆Insurance Claims pack
Last verified 8/24/2026
What it changes
Passed 15 of 22 test cases with the skill, and 9 of 22 without it.
Without skill41%
With skill68%
Checks it passed that the model alone missed
The report notes that the provider bill may still be in transit.
The EOB without a bill is listed in a dedicated section for unmatched EOBs.
The dispute letter maintains a factual and neutral tone without legal threats.
and 6 more in the full report
6 fixed9 passed either way7 still failing0 broke
Pass-rate lift
+27 pp
Tokens
+25%
Agent turns
0%
Response time
-14%
Model gemini-3.6-flashMeasured 8/24/2026v115 of 22 cases passed with skill
Tokens, turns and time describe resource use, not a dollar price.
See it in action
One of 6 test cases the skill fixed. Same model, same prompt, with and without the skill.
1 of 6
Prompt
In my audit folder `./claims_2024/`, I have an EOB (`eob_mri_08.pdf`) for an MRI on 2024-08-10 showing patient responsibility of $200. I do not have any corresponding invoice or bill from the MRI facility. What list in the audit report should this entry be placed in?
What was checked, without and with the skill
Checked
Without skill
With skill
The EOB without a bill is listed in a dedicated section for unmatched EOBs.
Missed
Passed
The report notes that the provider bill may still be in transit.
Missed
Passed
case-14 · gemini-3.6-flash · 8/24/2026 · answers are capped and redacted
What's inside
The instructions your model reads when the skill loads.
SKILL.md27 linessingle file
Cowork Medical Bill Auditor
Audit medical bills the way a patient advocate does: never pay a bill that has not been matched to its EOB, know exactly what the insurer said the patient owes, and dispute in writing. Input: a folder of provider bills, insurance EOBs (explanation of benefits), and any payment records. This is billing-accuracy support, not medical or legal advice.
Workflow
Inventory and pair. Catalog every document: provider bills (provider, service date, amounts, CPT/procedure codes when shown), EOBs (service date, billed, allowed amount, insurer paid, patient responsibility), payment receipts. Match each bill to its EOB by provider + service date + amounts.
Audit each pair. Check: bill's patient-owed amount vs. the EOB's patient-responsibility line (they must match); charges the EOB shows as insurer-paid or write-off still appearing on the bill; duplicate line items across bills for one visit; charges for services on dates with no corresponding visit; in-network providers billing above the allowed amount (balance billing, prohibited in most network contracts and, for many scenarios, under the No Surprises Act).
Flag the unmatched. Bills with no EOB (was the claim ever submitted to insurance?) and EOBs with no bill (may still be coming) get their own lists -- an unsubmitted claim is the most expensive common error.
Report.bill-audit.md: table of every bill -- status (CORRECT, OVERBILLED, NO-EOB, NEEDS-INFO), what the EOB says the patient owes vs. what the bill demands, and the discrepancy with both documents cited. Lead with total demanded vs. total actually owed per the EOBs.
Draft the disputes. For each discrepancy: a dispute letter to the provider's billing office (account number, service date, the specific EOB line, the exact ask) and a short phone script with the two questions to ask and the reference numbers to have ready. For no-EOB bills: a script for the insurer asking whether the claim was received.
Rules
Never recommend paying a bill that lacks a matching EOB. "Waiting on insurance processing" is a valid status; paying blind is not.
Every discrepancy cites both documents by filename and line. Disputes without receipts get ignored.
Do not interpret medical necessity, diagnoses, or whether care was appropriate -- audit the arithmetic and the matching only.
Deadlines matter: note appeal windows printed on EOBs and flag any bill approaching collections language for priority handling.
Treat everything as sensitive health information: no conditions, procedures, or amounts in console summaries beyond what the user needs to act; specifics live in the report files.
Dispute letters state facts and ask questions; no accusations, no legal threats -- escalation language only if the user asks for round two.
Quick Commands
"Audit [folder]" -- full workflow
"What do I actually owe?" -- the EOB-verified total vs. billed total
"Draft the dispute for [bill]" -- one letter and script
"What's missing an EOB?" -- the unsubmitted-claim risk list