How Parlio Works
From the bill on your kitchen table to a settled balance. Here's what happens at every step, and the AI working behind the scenes.
Tell us about the bill
Forward the bill, paste a few details, or just describe what you owe. We figure out the rest.
Behind the scenes
Our intake agent has a conversation with you to capture the bill type (hospital, doctor, dental, or other), the amount you owe, your insurance status and the statement you received, whether the bill has gone to collections, and your target settlement and walkaway numbers. It validates that it has everything needed before research begins.
We research the bill
We pull real pricing data from multiple sources, cross-check your insurance statement, and look for federal and hospital protections that apply.
Behind the scenes
Parlio agents pull data from multiple sources: Medicare reimbursement rates, national fair-price databases, regional cash-pay rates, your hospital's charity-care policy, and any surprise-bill protections that apply. Results are cached and cross-referenced across similar cases to build the strongest possible picture before we move.
Bill Audit
We build your case
A multi-track strategy: itemized review, surprise-bill appeal where it qualifies, charity-care application, and a target settlement number with leverage points. You see and approve the plan.
Behind the scenes
The strategist agent analyzes your research data to build a full plan: which legal protections apply (surprise-bill protection, state laws), which discount programs you're eligible for (charity-care, cash-pay rates), opening / target / walkaway settlement anchors, identified leverage points, a concession hierarchy ordered from least to most costly, and specific tactics for each counterparty (hospital billing office, insurance appeals, collection agency).
Negotiation Strategy
Leverage Points
- Out-of-network anesthesia, surprise-bill protected
- $1,840 in duplicate / unbundled charges
- Hospital is a nonprofit, must offer charity-care
- Bill is 276% above the regional fair-price benchmark
Concession Hierarchy
- 1.Cite surprise-bill protection
- 2.Apply for charity-care
- 3.Request itemized review with duplicates removed
- 4.Negotiate to the cash-pay rate
Confidence Score
88%
We negotiate through every channel
Email the billing office, call the financial counselor, upload the appeal through the insurer's portal. Whatever the situation needs.
Behind the scenes
Parlio selects the best channel based on your situation: email for formal appeals and itemized-bill requests, voice for negotiating with financial counselors and collection agents, browser for filing appeals through insurer portals and uploading supporting docs. Each channel has its own guardrails: emails pass content checks before you approve them, voice calls enforce your authorization limits in real time, and browser sessions capture confirmation screenshots. If one channel stalls, the system can escalate to the next.
Drafted appeal letters and itemized-bill requests sent on your behalf. You approve every message.
To: St. Joseph's Billing
Sent“Per the No Surprises Act, the out-of-network anesthesia charge of $4,210 should not be billed to me…”
Voice
AI-powered calls to financial counselors and collections agents. You set the boundaries; we make the call.
Call: Financial counselor
14:22“Negotiated a 60% charity-care reduction on the remaining balance. Settlement letter incoming.”
Browser
Files appeals through insurer portals, uploads supporting docs, and tracks status, even when there's no API.
Anthem appeals portal
Submitted“Appeal filed with medical-necessity letter and itemized billing documentation. Conf #AP-91432.”
We evaluate and adapt
After each round, we analyze the response, compare it against your boundaries, and recommend the next move: counter, accept, escalate to a different channel, or walk away.
Behind the scenes
The evaluator agent analyzes each outcome (email reply, voice call transcript, or browser session result). It extracts the counterparty's position, detects negotiation tactics (anchoring, denial reasons, partial-payment offers), and compares the offer against your boundaries. It then recommends the next action: counter on the same channel, escalate to a different one (for example, from billing office email to financial counselor call), accept, or walk away. The system enforces a hard rule: it will never recommend accepting above your walkaway price.
↻Loops back to Step 4 for multi-round negotiations
Outcome Analysis
Recommendation
CounterReasoning
- Initial offer dropped 43% from the original bill
- Surprise-bill protection still pending response, strengthens our position
- Charity-care application not yet acknowledged, additional leverage
Your Boundaries
You save
When the offer meets your goals, we recommend accepting. You get a clear breakdown of what you saved compared to the original bill, plus any extras like fee waivers or charity-care discounts.
Behind the scenes
The evaluator agent compares the final offer against your target settlement and the original bill amount. When the offer falls within an acceptable range and further negotiation shows diminishing returns, it recommends accepting. It calculates your total savings: the difference between the original bill and your settled amount, plus any extras like waived fees, charity-care discounts, interest reductions, or credit-report cleanup.
Recommendation
AcceptReasoning
- Settles within 11% of your target, further countering risks losing charity-care eligibility
- Hospital agreed to waive itemization fee and pause interest, total value about $680
- 4 rounds completed, counterparty position firming
Your Savings
$10,610
saved vs. original bill
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