Know what you owe. Dispute what you don't.
Themis analyzes your medical bills against your EOBs, flags errors and overcharges, tracks your deductibles, and generates dispute documentation. Self-service reconciliation starting at $19/month.
Medical bills are wrong more often than you'd expect.
Up to 80%
of medical bills contain errors
$1,300+
average amount overcharged per hospital stay
25–35%
fee charged by traditional billing advocates
Traditional billing advocates charge 25–35% of whatever they save you. Enterprise review software costs $50–600 per provider per month. Themis puts the same analytical tools in your hands at a flat monthly rate.
Sources: Becker's Hospital Review, ABC News, Consumer Reports, Medical Billing Advocates of America
Three steps. No expertise required.
Upload
Upload your bill and EOB. Themis accepts PDF and common image formats.
Analyze
Themis cross-references every line item, flags mismatches, duplicates, and balance billing risks.
Dispute
Generate dispute documentation or track your deductible progress — all in one place. Custom AI-generated letters available on Pro.
Core tools on every plan. Advanced features where you need them.
Bill & EOB Reconciliation
Line-by-line comparison of what you were billed vs. what your insurance approved.
Error & Overcharge Detection
Flags duplicate charges, upcoding, balance billing risks, and rate mismatches automatically.
Deductible & OOP Tracking
Always know where you stand. Themis tracks your deductible and out-of-pocket maximum across every bill.
Dispute Letter Generation
Pre-built dispute templates on Plus and Family. Fully AI-generated letters tailored to your specific situation on Pro.
Family Profiles
Manage multiple family members under one account with individual tracking that rolls up to your shared family deductible.
Virgil AI Assistant
Pro-tier AI that answers your questions about codes, charges, and insurance terms in plain language.
Plans for every situation.
Starter
Billed monthly
A private, calm place to organize bills, EOBs, and payments — then spot mismatches before you overpay. Local-first by default, with clear next steps.
Best for: People who want a simple, private way to track medical bills and avoid overpaying.
- Upload bills, EOBs/claims, and payment statements into one dashboard (local-first)
- Automatic reconciliation to spot mismatches between bill, EOB, and payments
- Discrepancy cases with guided next steps
- Itemized Bill Request Kit (email + phone script + printable letter)
- No Surprises Act protections screener
- Appeal/Dispute Packet Builder preview + exports
- Governance controls: consent tracking + retention presets + audit log exports
- 2 reviews per month
Plus
Billed monthly
Less manual work, stronger documentation. Smart autofill + histories + print-ready PDFs that help you follow through.
Best for: People who want the app to do more of the work and produce submission-ready documents.
Everything in Starter, plus:
- Smart autofill from evidence across templates and tools
- History views: NSA screening history + price check history
- Packet Builder exports: print-ready PDF packets
- Redaction controls for generated packet pages
- Completeness checks before submission
- Generate insurer/provider messages from templates
- 10 reviews per month
Family
Billed monthly
Track healthcare for your whole family under one insurance plan. Multi-member profiles with shared deductible and OOP tracking.
Best for: Families managing healthcare for multiple members under one insurance plan.
Everything in Plus, plus:
- Multi-member profiles for tracking family healthcare under one plan
- Shared deductible and out-of-pocket maximum tracking across members
- Individual claim and bill tracking per family member
- ZIP export bundle (packet PDF + organized exhibits) for clean submissions
- Advanced analytics with family-wide spending insights
- 25 reviews per month
Pro
Billed monthly
Unlimited reviews with Virgil Assistant and custom letter generation. Built for power users who need maximum flexibility.
Best for: Power users who need unlimited reviews, AI assistance, and custom letter generation.
Everything in Family, plus:
- Unlimited monthly reviews
- Virgil Assistant: AI-powered healthcare billing guidance and support
- Custom letter generation: personalized appeal and dispute letters
- Advanced export packaging and exhibit organization
- Priority support for complex billing situations
- Built to scale with future features and integrations
Questions about which plan is right for you? Email support@lonia.ai
All plans include
Annual pricing saves approximately 10% vs. monthly billing.
Your medical records are nobody's business but yours.
Local-first architecture
Your documents are processed on your device. We store account metadata, not your medical records.
No ads. No data selling.
Themis earns revenue from subscriptions only. Your health information is never monetized.
HIPAA-grade safeguards
Encrypted transmission, minimal data retention, and audit trails throughout.
Themis is not a covered entity under HIPAA. We apply HIPAA-grade security practices as a matter of principle, not legal obligation.
Built on three pillars
Every Lonia AI product is built on the same three non-negotiable principles — from the first line of code, in every tier, with no exceptions.
Accessibility
WCAG 2.2 Level AA and Section 508 from the foundation. Keyboard navigable. Screen reader compatible. High contrast, large text, and reduced motion supported. Every tier, including Starter.
Compliance
HIPAA-grade safeguards by principle, not mandate. Audit logging on every significant action. Data minimization enforced by architecture. Right to deletion honored — fully and promptly.
Security
OAuth-only authentication — zero passwords stored. Encryption at rest and in transit. Row-level security on every database table. Local-first processing means your documents never touch our servers.
Questions we hear most.
No. Themis gives you the analysis and documentation tools that advocates use — so you can do it yourself for a fraction of the cost. For complex legal disputes, consult a licensed professional.
PDF, JPG, PNG, and TIFF for bills and EOBs. Most insurance portals and hospital billing departments provide PDF downloads.
No. Your documents are processed locally on your device. We store your account information and analysis metadata, not the documents themselves.
Plus covers one person on one insurance plan. Family supports multiple people under a single insurance policy, with individual tracking that rolls up to a shared family deductible and out-of-pocket maximum.
Virgil is Themis's Pro-tier AI assistant. It answers questions about billing codes, insurance terms, and your specific charges in plain language — like having a knowledgeable friend who actually reads your EOBs.
Yes. Monthly plans cancel at the end of the current billing period. Annual plans are non-refundable after 7 days but can be cancelled to prevent renewal.
Themis currently supports one insurance plan per subscription. Multi-plan support is on the roadmap.
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