Arul Health

Understand medical bills and explore financial aid with Arul

Text a photo of your medical bill or insurance claim to Arul. Get a plain-English explanation of your charges, verify your coverage, and check for financial aid.

A quick check to get started.

Bill breakdownCoverage checkFinancial aid search
A person sitting at a bright kitchen table reviewing paperwork with a cup of tea.

How Arul helps with bills

  1. 1Snap a photo of your bill, statement, or insurance letter.
  2. 2Arul reads the line items and checks how your plan handled it.
  3. 3Get a clear breakdown and matched financial aid forms to sign.

You can text Arul anytime over iMessage.

A person seated on a comfortable couch calmly reading through letters.

Clear answers for confusing charges

Medical statements arrive packed with codes, facility fees, and confusing abbreviations. Arul reads every line item on your bill and compares it with your insurance explanation of benefits. You get a clear, simple summary of what you owe and why, without spending hours decoding account numbers on your own.

What Arul does for you

Just text a photo

Send a photo of your bill or insurance letter right from your phone. Arul reads the details directly from your message.

Coverage check

Arul looks at how your insurance processed the claim to see if coinsurance, deductibles, or copays were applied properly.

Financial assistance search

Most nonprofit hospitals and health systems offer financial aid programs. Arul checks your eligibility and finds the paperwork.

Paperwork filled out for you

When aid programs are available, Arul fills in the application for you. You review and approve everything before it is sent.

Frequently asked questions

Can I just send a photo of my bill?

Yes. You can take a picture of your paper bill, statement, or insurance letter and text it directly to Arul over iMessage.

How does Arul check my insurance coverage?

Arul checks your plan details and claims to verify how charges were billed and whether your insurance benefits were applied correctly.

How does Arul find financial aid?

Many hospitals and clinics have financial assistance policies based on income or household size. Arul searches for local and hospital aid programs that match your situation.

Will Arul fill out the aid applications?

Arul prepares the required forms and enters your information. Arul only submits completed applications after you review and approve them.

No complicated phone menus or confusing paperwork. Just text your bill to Arul.

Your information stays yours

  • Encrypted

    What you share is encrypted when it is stored and when it is sent.

  • Never sold

    Arul Health does not sell your information or share it with ad networks.

  • Nothing without your OK

    Arul shows you anything it sends in your name before it goes.

  • Yours to take back

    Disconnect any account at any time, or ask us to delete what we hold.

Read our Privacy Policy

In Community With

  • American Cancer Society
  • American Cancer Society BrightEdge
  • Northwestern Medicine
  • Harvard Innovation Labs

and more...