BillHelp

You paid for health insurance. Why are you doing its job?

BillHelp fights your medical bills so you don’t have to.

Raffaello d’Amore
Raffaello d’Amore
Founder  | Former Head of Product & Deployments at Magical (Agents for Hospital & Insurance Billing)
raffaellodamore@gmail.com | 914-320-7967 | LinkedIn

Ciao. I’m Raffaello, founder of BillHelp.

The insight behind BillHelp came from my time at Magical. As Founding PM at the Seed, I led Product and Deployments to 40+ people and millions in revenue. We built AI automation for hospital & insurance billing teams across the US.

Before Magical, I worked on user growth at Redfin & 23andMe. BillHelp brings together both halves of my career to date: the guts of healthcare administration and simple, delightful consumer experiences.

For years, insurers have had automation working for them.
It’s time patients did too.

Let’s dive in.

Raffaello d’Amore

Americans are drowning in medical bills.

$557B

Out-of-pocket on healthcare annually

CMS National Health Expenditure, 2024

>10B

Medical bills are generated every year in the US

Grand View Research, 2024

$2,453

Average bill cost of an ER visit

Peterson-KFF, 2019

Patients often pay for care their insurance should have covered.

40%

Of medical bills contain errors

University of Minnesota

<1%

Of denied claims are appealed

KFF, 2024

38%

Of patients who challenge a bill get it reduced or removed

Commonwealth Fund, 2024 survey

Routine billing errors leave patients with large bills.

St. Mercy Hospital
Itemized statement
Amount due$2,900
PatientJane Doe Member IDXJH 4821 09371 Date of service03/14/2026
CODEDESCRIPTIONAMOUNT
99285ER visit, high severity$1,0502
99285ER visit, high severity$1,0503
85025Blood panel$180
70553MRI brain, out-of-network$4204
J1100Injection$200
Claim status: denied, no prior authorization on file5
  1. 1

    Wrong member ID

    The fix: Call the provider & ask them to resubmit the claim

  2. 2

    Wrong billing code

    The fix: Call the provider & ask them to fix the coding

  3. 3

    Duplicate charge

    The fix: Call the provider & ask them to remove it

  4. 4

    Billed as out-of-network by mistake

    The fix: Call the insurance & ask them to reprocess as in-network

  5. 5

    Missing prior authorization

    The fix: Call the provider & ask them to resubmit with patient history

But patients don’t contest their bills because they lack expertise and time.

Among people who did not challenge a perceived billing error…

>50%

Were unsure they had the right to challenge it

25%

Weren’t sure who to contact.

25%

Did not have the time.

Commonwealth Fund, 2024.

BillHelp is every patient’s personal billing team.

Patients share their paperwork. BillHelp handles the rest.

  1. 01Upload your bill and insurance card.
  2. 02Sit back and relax. We’ll take it from here.
  3. 03Receive your updated bill.
    Only pay if we lower your bill.

Our agents work every step of a billing dispute.

A team of specialized agents coordinate to get bills resolved.

  1. 01
    Review
    Checks the bill against coverage and the explanation of benefits.
  2. 02
    Resolution
    Contacts providers & insurers, requests corrections, and follows up.
  3. 03
    Verification
    Confirms the final balance and the patient’s savings.

Each win makes our agents better at the next bill.

One bill resolution engine. Three routes to market.

01TESTING NOW

Direct to patients

20% of savings

Build the go-to brand for bill help across search, social, and communities, with front-desk staff referring patients as affiliates.

02EXPLORING

Through providers

Fee per resolved bill

Correct insurance billing problems so providers collect payment sooner and spend less time chasing patients.

03EXPLORING

Through employers

Fee per employee per month

Employers add BillHelp as a benefit, so employees never face a bill alone.

Bills are just the beginning.

BillHelp becomes your personal agent for your whole household’s healthcare admin.

TESTING
🧾

Fight bills

Check every bill against your EOB, dispute errors, file appeals.

Let’s get to work!

I’m seeking an EIR program’s funding and advisors to help me prove BillHelp’s business model.

01

Distribution

Which route works best: patients, providers, or employers?

02

Resolution

Early results are promising. Can we resolve 1000s of bills and deliver meaningful savings?

03

Economics

Can we acquire patients and resolve their bills profitably?

PS: Have a recent surprise medical bill? Put our agents to work! Try BillHelp →

raffaellodamore@gmail.com | 914-320-7967 | LinkedIn