Real answers about fighting medical bills, negotiating with hospitals, and understanding what you actually owe.
Upload your itemized medical bill, and we analyze it for savings opportunities. We then give you a complete negotiation toolkit with personalized guidance, who to call, and backup strategies so you can negotiate your bill down yourself. You do the negotiating (which actually gets better results), and you keep 100% of whatever you save.
Just your medical bill. An itemized bill works best (showing each charge), but if you only have a summary, we'll give you the exact script to request the itemized version. Most providers send it within a few days.
No. Uploading and analyzing your bill is completely free. You only pay if we find savings opportunities worth pursuing and you want to unlock your full negotiation toolkit.
Usually 24 to 48 hours. We'll email you when your results are ready. The actual negotiation process varies — some bills resolve in one call, others take 2 to 3 weeks of follow-up.
Yes. Hospitals deal with negotiations constantly — it's built into the system. The sticker price is almost never the final number. You can call the billing department, ask about self-pay discounts, point to charges above fair market rate, and apply for financial assistance.
Get the itemized bill — not the summary. Look at the CPT and ICD-10 codes on each line. Watch for duplicate charges, upcoded visits, and charges for things you did not receive. Compare against your EOB and published Medicare rates.
Don't pay it right away. Request the itemized bill and your EOB. Review the charges for anything that looks wrong. Call the billing department and ask about financial assistance, a prompt-pay discount, or a payment plan.
Way less than a traditional medical bill advocate, who typically takes 20–40% of whatever they save you. We charge a flat rate for the analysis, and if you negotiate yourself using our guidance, you keep every dollar of the savings.
Charity care — officially 'financial assistance' — is something every nonprofit hospital is required to offer under the ACA. Income thresholds vary by hospital, but they're often more generous than people realize. A family of four earning $75,000–$120,000 can still qualify at many hospitals.