If you're comparing Granted and Sheer Health, you're trying to deal with a medical bill or manage your insurance, and figure out which one fits.

Both help you handle healthcare costs. They focus on different parts of the problem.

• Granted reviews and acts on any bill, anytime, with or without insurance and helps to lower them.

• Sheer Health manages insurance and claims through connected accounts over time.

This guide covers how each works, how pricing differs, and when to use each.

In short: Granted is an on-demand medical bill advocate you can use with or without insurance, with a real human in chat. Sheer Health is an always-on insurance and claims monitor that requires connecting your insurance. Use Granted to review and lower a specific bill now. Use Sheer Health to monitor claims over time.

What is Sheer Health?

Sheer Health is an insurance and claims management service built to handle healthcare issues on an ongoing basis. Its promise: "Never deal with your health insurance again."

With Sheer, you:

• Connect your insurance account (Aetna, Anthem, Cigna, UHC, plus dental, vision, pharmacy)

• Sync claims and billing data from insurance portals and some health systems (MyChart providers like Mt. Sinai, NYU Langone, NY-Presbyterian, Weill Cornell)

• Have claims reviewed continuously for errors

• Get help with denied claims, appeals, and reimbursements

• Verify bills against your coverage

• Submit cases for deeper support when something needs fixing

Sheer is always-on, managing claims and insurance issues over time through connected accounts. You connect your insurance to use it. A Sheer Health subscription starts at $95/month.

What is Granted?

Granted is your healthcare advocate for any bill, at any time, with or without insurance.

With Granted, you can:

• Do everything that Sheer Health does

• Upload any medical bill, EOB, or insurance document

• Get your charges and coverage reviewed

• Spot billing errors or insurance issues

• Ask what your benefits cover or why you were charged

• Get help resolving or negotiating a bill

• Chat with a real human advocate when you need one

Granted is built for moments like:

• "This bill doesn't look right"

• "Why was I charged this?"

• "Can this be lowered?"

You don't need to connect insurance to start. Granted is free to start.

Granted vs. Sheer Health: key differences

1. Insurance requirements

• Granted: Works whether or not you have insurance. No account connection required.

• Sheer Health: Requires connecting your insurance to access claims and features.

2. Portal integrations

• Granted: Connects across 1,300+ insurance plans and patient portals, and can add new ones as needed.

• Sheer Health: Connects to a set of supported insurers and health systems (Aetna, Anthem, Cigna, UHC, select MyChart systems).

3. Core approach

• Granted: Review and act on individual bills anytime. Including continuous monitoring

• Sheer Health: Manage insurance, claims, and billing issues continuously.

4. Scope of support

Granted:

• Bill lowering and Negotiation

• Bill review, any bill, any time

• Insurance issues

• Error detection

• Negotiation and resolution

• Real-time chat with a human advocate

• Claims monitoring and retrospective review

• Bill verification against benefits

• Denial and appeal support

• Reimbursement support

Sheer Health:

• Claims monitoring and retrospective review

• Bill verification against benefits

• Denial and appeal support

• Reimbursement support

6. Pricing

Granted:

Free to start. Creating an account, opening billing and claims requests, and linking insurance cost nothing. If we lower a bill, we ask your consent to collect 10% success fee based on what you save.

Sheer Health:

• Free tier

• $60/month plan with

• $95/month "Max" plan

Which is better for medical bills?

It depends on how you want to manage your costs.

Use Granted if:

• You want help with any bill, anytime

• You may not have insurance, or you don't want to connect it

• You want a quick review before you pay

• You want real-time support from a human advocate

Best for flexible, bill-by-bill support and direct action.

Use Sheer Health if:

• You want to connect your insurance and monitor claims continuously

• You prefer an always-on system working in the background

• You're comfortable with a case-based support model

• You want help across claims, reimbursements, and appeals

Best for ongoing insurance and claims management.

Granted vs. Sheer Health: bottom line

• Granted: best for flexible, on-demand bill review and resolution with human support

• Sheer Health: best for ongoing insurance and claims management through connected portals

To understand and act on a bill without connecting accounts, Granted gives you a more direct path.

If you're comparing tools that help with insurance and claims, here's how a few approach it:

• Granted vs. Reclaim Health: employer-based claims monitoring vs. direct bill review

• Granted vs. Resolve Medical Bills: bill review vs. full-service negotiation

• Granted vs. Goodbill: all medical bills vs. hospital-only negotiation

Each takes a different approach, so the right choice depends on your situation, whether you're reviewing a bill now or want ongoing support.

Frequently asked questions

Is Granted free?

Granted is free to start. Creating an account, opening billing and claims requests, and linking insurance cost nothing. If we lower a bill, we ask your consent to collect a small success fee based on what you save, and you approve it first.

Do I need insurance to use Granted?

No. You can upload any bill and get it reviewed with or without insurance. Sheer Health requires you to connect an insurance account to use it.

What is the main difference between Granted and Sheer Health?

Granted reviews and acts on an individual bill on demand, with a human advocate in chat. Sheer Health connects to your insurance and monitors claims continuously in the background.

Can Granted help lower a medical bill?

Yes. We review your charges, flag errors, dispute and appeal, and negotiate where there is room to bring the bill down.

Which insurance portals does Granted work with?

Granted connects across 1,300+ insurance plans and patient portals, and can add new ones as needed.

Try Granted

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