Granted Health

AI-powered healthcare advocacy for consumers navigating medical bills and insurance claims

Customer Engagement Startup Seed

Overview

Granted Health is a consumer healthcare advocacy platform for individuals and families managing medical bills and health insurance claims. The platform targets U.S. consumers who face disputed or confusing medical charges, denied insurance claims, or difficulty understanding their health benefits.

The platform combines AI automation with human expert advocates to review medical bills, identify billing errors, negotiate charges with providers, and appeal denied insurance claims. Granted connects to over 1,300 health insurance plans and patient portals, enabling its AI agent to access a user's coverage data directly and act on their behalf -- including making phone calls and submitting written appeals. The platform also supports open enrollment guidance and family account management for household-wide coverage. Granted operates on a success-fee model: the service is free to use and charges 10% of savings achieved, capped at USD 200 per bill.

Granted was formerly known as Medbill AI and rebranded in 2025. The company raised a USD 16.3M seed round in July 2024 led by Factorial Capital and Forerunner Ventures. It reports serving over 25,000 families, with average savings of 70% on medical bills. CEO Julien Nakache previously spent eight years at Oscar Health as one of its first 10 engineers. CB Insights named Granted to its Insurtech 50: Most Promising Insurtech Startups of 2025 list.

Products & Services

Medical Bill Review and Dispute Resolution

AI-powered analysis of medical bills to identify overcharges, duplicate charges, up-coding, and eligibility for financial assistance programs. The platform connects to patient portals, analyzes itemized bills, and manages disputes directly with providers on behalf of the user.

Key Features

Automated identification of billing errors and applicable financial assistance programs
End-to-end dispute management including provider phone calls
Success-fee pricing (10% of savings, capped at USD 200 per bill)

Target Users: Consumers with medical bills

Insurance Claims Appeal

Assistance for consumers with denied insurance claims, including interpretation of Explanation of Benefits (EOB) documents, identification of correct appeals pathways, and management of written appeals correspondence.

Key Features

EOB analysis and appeals pathway identification
Prior authorization denial resolution
Correspondence management with insurers

Target Users: Consumers with denied health insurance claims

Health Insurance Navigation

Tools to help consumers understand their health benefits, compare plan options during open enrollment or job changes, identify in-network providers, and manage plan transitions.

Key Features

Plain-language coverage explanations
Open enrollment plan comparison
In-network provider lookup

Target Users: Consumers navigating health plan selection and benefits

Family Account Management

Household-level account structure allowing users to extend Granted access to cover partners, children, and parents under a single account.

Key Features

Multi-member household coverage
Centralized bill and claims management

Target Users: Families managing healthcare costs for multiple members

At a Glance

Founded: 2023
Headquarters: New York, NY, United States
Employees: 11-50
Funding: Seed

Category & Focus

Category: Customer Engagement
Subcategories: Healthcare advocacy medical bill dispute insurance claims appeal benefits navigation
Insurance Verticals: Health
Target Customers: Consumers