If you’re comparing Granted vs. Reclaim Health, the biggest difference is simple:

👉 Granted is available to anyone.

👉 Reclaim Health is only available through employers — typically large, self-insured companies.

For most people, that means Reclaim Health isn’t an option.

Beyond access, the two services take very different approaches to lowering healthcare costs. This guide explains how each works, pricing and access differences, and when to use each.

What is Reclaim Health?

Reclaim Health is a healthcare claims advocacy platform designed for employers - primarily large, self-insured companies.

Instead of working directly with individuals, Reclaim:

• Connects to insurance and claims data through your employer’s health plan

• Reviews claims automatically to identify overcharges or missed benefits

• Files claims and appeals on your behalf

• Identifies savings opportunities across healthcare usage

• Recommends ways to optimize benefits over time

Reclaim is designed to run in the background, continuously analyzing claims and intervening when issues are detected.

👉 You can only use Reclaim if your employer offers it as a benefit.

What is Granted?

Granted is a medical bill review and negotiation platform designed for individuals.

You can use Granted whether you have insurance or not.

With Granted, you can:

• Upload a medical bill, EOB, or insurance document

• Connect your insurance (optional)

• Get a detailed review of charges and coverage

• Identify billing errors, insurance issues, or savings opportunities

• Get help resolving or negotiating bills

• Chat with a real human advocate when needed

Granted is built for moments like:

• “Why is this bill so high?”

• “Did insurance process this correctly?”

• “Can this be reduced?”

👉 You can use Granted with insurance, without insurance, or even if you’re trying to figure out coverage options.

Granted vs. Reclaim Health: Key Differences

1. Who can actually use each service

• Granted: Available to anyone — no employer required

• Reclaim Health: Only available through employers, typically large self-insured companies

2. Insurance requirements

• Granted: Works with insured, self-pay, and uninsured users

• Reclaim Health: Requires an employer-sponsored insurance plan

3. Core approach

• Granted: Review and act on individual bills anytime — no setup required

• Reclaim Health: Monitor and optimize claims continuously through employer-connected data

4. When each is used

• Granted: When you have a bill and want to understand, fix, or reduce it

• Reclaim Health: In the background, as claims are processed through your insurance

5. Type of support

• Granted: Explains bills, identifies issues, and helps resolve or negotiate charges

• Reclaim Health: Files claims, manages appeals, and identifies savings opportunities over time

6. Data and inputs

• Granted: Uses bills, EOBs, and optional insurance connections

• Reclaim Health: Uses claims data from employer-sponsored plans

Which is better for medical bills?

For most people, the answer depends on access:

• If your employer offers Reclaim Health, it can help monitor claims and identify savings over time

• If you want help with a bill right now — or don’t have employer access — Granted is the better fit

When to use Granted

Use Granted if you:

• Have a medical bill you don’t understand

• Think you may have been overcharged

• Want help reviewing or negotiating a bill

• Don’t have access to employer-based advocacy tools

• Don’t have insurance or are paying out of pocket

👉 Best for direct, on-demand bill support — regardless of insurance status

When to use Reclaim Health

Reclaim Health may be helpful if:

• Your employer offers it

• You work at a large company with a self-insured plan

• You want continuous monitoring of healthcare claims

• You’re focused on long-term benefits optimization

👉 Best for employer-sponsored, ongoing claims management

Granted vs. Reclaim Health: Bottom Line

• Granted → best for reviewing and lowering medical bills directly

• Reclaim Health → best for employer-based claims monitoring (if you have access)

If you’re dealing with a bill today — or don’t have access to an employer program — Granted provides a more direct path to getting help.

Compare Medical Bill Help Options

If you’re researching services like Reclaim Health, it helps to compare how different platforms approach medical bills and insurance:

• Granted vs. Resolve Medical Bills — Bill review vs. full-service negotiation

• Granted vs. Goodbill — All medical bills vs. hospital-only negotiation

• Granted vs. Sheer Health — Bill-by-bill help vs. ongoing claims management

Each service solves a different part of the problem, so the right choice depends on your situation.

Try Granted

Upload a bill and get a second look before you pay.

👉 Upload your bill