Modera reads your medical bills, checks them against what your plan covers and what the care actually costs, and challenges the charges that don't hold up.
Snap a photo, forward the email, or upload the PDF. Add your insurance card once and Modera pulls in your plan's coverage details automatically.
Modera checks each charge against your plan's actual coverage rules and against real prices for the same care in your area — not the sticker price printed on the bill.
If something's wrong, Modera drafts the appeal, files it, tracks it through the process, and tells you the moment anything moves.
Every visit, bill, claim, and appeal — tracked from the moment care happens to the moment it's resolved.
Appeals work about a third of the time. Almost no one files one.
Duplicate charges, wrong procedure codes, services that never happened. Modera compares every line item against what was actually done.
When your insurer says no, Modera builds the appeal — citing your plan's own language and the records that support it — and files it for you.
Modera checks what you were charged against negotiated rates and Medicare reference pricing for the same care in your area.
Calls, resubmissions, status checks. Modera tracks every open case and keeps you updated so nothing quietly stalls out.
Modera is built on the real pricing and coverage data for the state — the hospitals Utah patients actually visit and the plans they actually carry.
Intermountain, HCA/MountainStar, CommonSpirit, University of Utah, Lifepoint, and independent hospitals across the state.
Medicare pricing across physician services, outpatient care, labs, equipment, drugs, and anesthesia — adjusted for the region.
SelectHealth, PEHP, UHC, Regence, Cigna, Aetna, Humana, and more — coverage and rate data coming online plan by plan.
Whether it's a bill you don't understand, a question about your account, or something you'd like Modera to look at — send us a note.
We read everything that comes in and reply within one business day.