A bill is the provider's statement, read as it was sent
Bring in a medical bill and Groundwork keeps what it says: the amount, the date, the due date, the account number. It becomes something you owe only when you say so. Payments toward it, what insurance changed and any payment arrangement the provider agreed are kept with it, so "amount owed now" always shows its working.
It shows what monthly amounts your own record can sustain - and never tells you what to offer, never contacts anyone, and never says what to do. If a bill goes to collections, it stays on the Health page with its own running balance, not in your debt payoff plan.
Your deductible as your insurer shows it
Enter your plan's deductible and out-of-pocket maximum, then what your insurer reports you've met. Groundwork shows what's left and when it starts over. It never works these out from your spending - only your insurer knows what counted.
A health reserve is money set aside in an account you already have, so a bad medical year doesn't put a card back to work. Its natural target is your plan's out-of-pocket maximum - the most a covered year can cost. HSA and FSA balances, contribution limits and an FSA's deadline sit beside it.
What care has cost, month by month
Health spending as recorded, for the last twelve months and the year so far, and whom it was for - as you said it, payment by payment, never guessed. The visit report and the year in review open from the same page.
It's a record, not a budget: no limit to beat, no "over", no trophies, and Groundwork never suggests spending less on care - anywhere, including the assistant and the debt plan.
