Medbill
New York City, US · Founded 2023 · 34 employees on LinkedIn · 4 known investors
Granted is an AI-powered consumer app, available on iOS and web, that reviews users' medical bills for errors, finds financial assistance programs, and negotiates lower balances. It also helps individuals and families in the US identify unused insurance benefits and answer coverage questions, charging only a percentage of the savings it secures.
Also known as Granted · Granted Health · Medbill AI
Founders & leadership
Medbill was founded in 2023 by Julien Nakache.
Investors · 4
Company profile
researched Aug 2026Granted, previously operating as Medbill AI, offers a consumer service that helps people in the United States review, dispute and reduce medical bills and navigate health insurance. Users upload a medical bill, which the company's AI analyzes for savings opportunities such as duplicate charges, upcoding, billing above typical market rates, out-of-network charges that should be covered under the No Surprises Act, and cases where a lower self-pay rate or a generic prescription alternative exists. The company states it connects with more than 1,300 insurers and patient portals so bills and claims can be uploaded and monitored, and that its detection models were trained on more than 100,000 bills.
Each case is assigned a dedicated, US-based health advocate holding credentials such as BCPA, CHA, HIPAA certification and bill negotiation certification. Advocates handle insurance claim questions, medical bill review, care coordination, negotiation with providers and payers, and applications for income-based financial assistance and hospital charity discounts. Granted also provides claim monitoring and an insurance-linked benefits review. Case resolution typically takes 15 to 45 days. The product is available across mobile and web platforms, with the company describing iOS, Android and web experiences.
Founding story
The company was founded by former leaders of Oscar Health [3].
Business model
Granted operates on a contingency basis: services including AI bill review, a dedicated health advocate, 24/7 claim monitoring, financial aid support and insurance benefits review are provided at no upfront cost, and the company charges a fee only when it secures savings for the user.
The company charges a 10% success fee on the amount saved for bill lowering and negotiation, capped at $300 per case; if no savings are achieved, the service is free [0].
Traction
The company reports 25,000 families served, more than 100,000 bills analyzed, average savings of 74% on medical bills, and an average case outcome of $785 saved and 42 hours saved [0].
Latest developments
The company completed a rebrand from Medbill AI to Granted, consolidating its product, careers and company information at grantedhealth.com [1]. It has been hiring in New York for founding product roles to lead design across iOS, Android and web as the product scales to the public [3].
▸Full profile — market position, technology, go-to-market, geography, history
Market position
Granted positions itself as a consumer-facing advocate against medical billing errors and healthcare debt, citing that most medical bills contain errors and that the large majority of patients never dispute charges. The company aims to be a single platform Americans can use to fight claim denials, correct billing errors, negotiate bills and understand coverage, with a stated longer-term ambition to support consumers across the wider healthcare journey, including finding providers and changing insurance plans.
The company combines automated AI bill analysis with human health advocates included in every case, charges only on realized savings with a capped fee, and maintains broad connectivity to insurers and patient portals for ongoing claim monitoring.
Technology
An AI system trained on more than 100,000 medical bills detects billing errors, duplicate charges, upcoding, above-market rates and coverage misapplications, and estimates savings opportunities. The platform integrates with over 1,300 insurance carriers and patient portals to upload and monitor bills and claims, and the company describes itself as HIPAA aligned and secured.
Go-to-market
Direct-to-consumer through a web app and mobile applications, with a free savings estimator and income-based assistance eligibility checker on the company website used to convert visitors into cases; the contingency pricing model removes upfront cost as a barrier to trial.
Individuals and families in the United States who receive medical bills or face insurance coverage questions, including those with claim denials, billing errors, high-cost bills, or incomes that may qualify them for hospital income-based discounts or charity care.
Geography
United States-focused. The company is based in New York City, with a team split between a Chelsea office and remote staff across the US [3].
History
The company operated under the name Medbill AI before rebranding to Granted; the medbill.ai site now directs users and job applicants to grantedhealth.com [1]. A July 2024 report described a $16.3 million funding round for Medbill AI [2], and a 2025 job posting described the company as seed-stage with $17 million in funding [3].
Compiled by commissioned research from 7 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Timeline · 2
launches, deals, and filingsThe company rebranded from Medbill AI to Granted; the medbill.ai site directs users and job applicants to grantedhealth.com, where product and company information now resides.
Medbill AI announced completion of a $16.3 million funding round to expand its AI technology for automating the management of consumer medical bills, with plans to broaden support across the healthcare journey.
$16.3M source ↗
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
▸Research sources · 7
primary sources listed
- Medbillgrantedhealth.com · web
7 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Medbill do?
- Granted (formerly Medbill AI) is a US consumer service that uses AI and health advocates to review and negotiate medical bills.
- Who founded Medbill?
- Medbill was founded by Julien Nakache in 2023.
- Who are Medbill's investors?
- Medbill's investors include Habitat Partners, Red Sea Ventures, RRE Ventures, Visible Ventures.
- Where is Medbill headquartered?
- Medbill is headquartered in New York City, US.