Medical billing in America is not confusing by accident.

Insurers denied nearly one in five in-network claims in 2024, and 37% of out-of-network ones, according to federal data analyzed by the Kaiser Family Foundation.¹ Nearly half of insured adults received a bill for a service they believed their insurance covered.² When those denials delayed care, about half of affected patients said their condition got worse while they waited.²

This is documented. It is consistent. And it is not improving on its own.

Providers employ specialized coding staff whose job is to maximize reimbursement. Insurers use automated systems to reject claims at scale. The patient on the other end of both of those transactions has no equivalent. No specialist, no system, just a bill they don’t understand and a deadline they didn’t know existed.

The system isn’t unbeatable. Most people just don’t know they’re allowed to fight it.

Obie gives you the same understanding of your medical bills that providers and insurers already have about theirs.

We translate the codes. We flag what looks wrong. We tell you what questions to ask, what to say when you call, and how to push back when the answer is no. We track your disputes so nothing falls through the cracks. We help you prepare before a procedure, not just clean up after.

We work for you. Not your provider. Not your insurer. You.

That means we don’t take money from healthcare systems. We don’t license your data. We don’t have a partnership with anyone whose interests conflict with yours. The only way Obie makes money is if you find it worth paying for.

I’ve worked in healthcare for most of my career. I’ve seen how the system operates from the inside: the coding decisions, the denial logic, the processes that exist on the institutional side that patients never see.

Most people assume that if something is wrong with their bill, someone will catch it. They won’t. The system isn’t designed to catch errors that cost patients money. It’s designed to catch errors that cost providers and insurers money.

58% of consumers find paying medical bills stressful. 56% find understanding what they owe stressful. Healthcare ranks as the single most difficult industry for consumers to navigate financially.³ That’s not an accident of complexity. It’s a consequence of a system that was never built with the patient in mind.

I built Obie because patients deserve the same information advantage that everyone else in this transaction already has.