One goal: the absolute cheapest legitimate price.

Prescription savings

Arik checks every legal channel simultaneously and shows you the actual cheapest one — not the one channel that happens to pay a referral fee.

• Cash price versus your insurance copay, at your specific pharmacy
• Manufacturer copay cards, matched to your specific insurance type
• Patient assistance programs, including ones for uninsured patients that are often more generous than insured coverage
• Government-negotiated Medicare prices, checked against what your plan is actually charging you
• Whether an accumulator or maximizer program is quietly capping how much a copay card counts toward your deductible
• The full-year cost, not just today's number — a cheaper cash price today can cost more once it stops counting toward your deductible

Bill auditing

Most billing errors only become obvious when documents are compared against each other. Arik reads your bill, your insurance statement, and any prior authorization together, not one at a time.

• Duplicate charges for the same service on the same date
• Charges that don't match what your insurance says you actually owe
• In-network care processed as out-of-network by mistake
• Missing prior authorization despite it being on file
• Preventive care billed as if it were diagnostic
• A finished dispute letter, addressed to the correct department, citing the exact line item

Denial appeals

Insurance denials aren't random — plans grant exceptions in predictable, documentable patterns. Arik knows the real deadline for your specific payer, not just a generic rule of thumb.

• Your actual appeal deadline — Medicare, Medicaid, and commercial payers all run different clocks
• A drafted appeal citing the specific coverage criteria your denial referenced
• A comparison against real, similar cases that were overturned, and exactly what evidence made the difference
• A clear flag on what's still missing from your file before you submit

Arik never tells you a prior case guarantees your outcome — only what tends to work, and why.

Hospital financial assistance

Nonprofit hospitals are legally required to offer financial assistance policies. Most eligible patients — including insured ones — never find out they qualify.

• Your hospital's actual financial assistance policy, located and read for you
• Whether your income qualifies, calculated against the federal poverty level
• A pre-filled application, ready for your signature
• Coverage for underinsured patients too, not just the uninsured

Medication reviews (MTM)

Medicare requires every Part D plan to offer a free medication review to qualifying members. Most eligible patients don't know it exists.

• Automatic eligibility check based on your conditions and medication count
• A pharmacist — not Arik — reviews your full medication list and can suggest lower-cost alternatives directly to you and your doctor
• No cost, no added copay, required by federal law

Managing someone else's care

A large share of the hardest cases involve an adult child managing a parent's bills, or a spouse handling a long hospitalization. Arik supports this directly, not as an afterthought.

• One login manages care for multiple family members, each kept separate
• Authorization paperwork most payers require before they'll even discuss a bill — drafted for you, ready to sign
• A running view across every admission, catching a pattern (like the same billing error repeating) that a single bill would never show
• Share a bill with a family member for a second opinion, without giving them authority to act on your behalf

Built for everyone, including in a crisis

Most people open Arik because something scary just happened — a bill, a denial, a diagnosis. The product is built around that reality, not around it.

• Voice input and read-aloud responses, no extra cost
• Full screen-reader support and keyboard navigation
• No wall of forms before you get a real answer — tell Arik what happened, get help immediately
• Every generated letter or card exports to print, image, or a different language — ready to hand to a pharmacist, a billing office, or a doctor