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Laurel

Founder, Obie

I built Obie because I got a medical bill I couldn't understand, and when I started digging, I realized the system is set up to make that normal. Obie pushes back on that, by giving patients the same information advantage providers and insurers already have.

Built Obie to help patients fight unfair medical bills.

Articles by Laurel

May 8, 2026

Balance Billing vs. Surprise Billing: What's Actually Illegal Under the No Surprises Act

Balance billing is when a provider charges you the gap between their charge and what insurance allowed. Surprise billing is balance billing you couldn't avoid. Here's what the No Surprises Act actually covers, what it doesn't, and what to do about it.

May 8, 2026

What Does CPT Code 99285 Mean? (And Why Your ER Bill Is So High)

CPT 99285 is the highest-level ER visit code. Learn what it means, why hospitals use it so often, what it should cost, and how to dispute it if the level doesn't match your visit.

May 8, 2026

EOB Shows a Different Amount Than the Bill: What's Actually Going On

Your EOB and hospital bill don't match? Here's which document controls what you actually owe, why they differ, and how to push back when the hospital is overbilling you.

May 8, 2026

How to Appeal a Denied Medical Claim (With Letter Template)

Federal law gives you at least 180 days to appeal a denied health insurance claim. Here's the step-by-step process, what documentation you need, and a free appeal letter template.