Three Steps to Challenging Your Medical Bill
Our guided process walks you through everything you need. No medical billing expertise required — just answer questions about your situation and let our tools do the heavy lifting.
Describe Your Situation
Answer a series of guided questions about your medical bill. We ask about the provider, the charges, your insurance status, and why you believe the bill is incorrect or unfair. You do not need to know any billing codes or medical terminology — just describe what happened in your own words.
Guided Questions
Simple, conversational prompts walk you through every detail we need. No forms to figure out on your own.
Consumer Protection References
We identify applicable federal and state consumer protections, like the No Surprises Act and state surprise billing laws, that may be relevant to your situation.
Save and Resume
Need to step away? Your progress is saved automatically. Come back anytime and pick up where you left off.
Common Questions About This Step
What information do I need to have ready?
Your medical bill, explanation of benefits (EOB) from your insurer (if applicable), the date of service, your account number, and details about why you believe the charges are incorrect. If you are missing any of these, that is okay — we can still help.
What if I do not understand the charges on my bill?
That is completely normal — medical bills are notoriously confusing. Part of what our packet includes is a formal request for an itemized statement with CPT and ICD-10 codes, which gives you the detail you need to identify errors.
Can I edit my answers later?
Yes. You can go back and update any answer before generating your packet. After generation, you also get one free regeneration if you need to make changes.
Common Questions About This Step
What types of documents are most helpful?
Your medical bill, explanation of benefits (EOB), any itemized statements you have received, emails or letters from the provider or billing department, and insurance correspondence. The more documentation you can provide, the stronger your dispute packet will be.
What if I only have the bill itself?
That is fine. The bill alone is often enough to start. Our packet includes a formal request for an itemized statement, which is your right as a patient. Many billing errors are only discovered after receiving the itemized breakdown.
Is my data secure?
Yes. All uploads are encrypted in transit and at rest. We use your documents only to generate your dispute packet and do not share them with third parties. You can delete your data at any time from your account settings.
Upload Your Documentation
Add the supporting documents that strengthen your dispute. Our system tells you exactly what to look for and organizes everything for maximum clarity. You can upload PDFs, photos, screenshots, or any other relevant files.
Bills and Statements
Your medical bill, any itemized statements, and explanation of benefits (EOB) from your insurance company.
Communications
Emails, letters, or notes from phone calls with the provider's billing department or your insurance company.
Insurance Documents
Insurance denial letters, coverage documents, prior authorization records, or any correspondence from your insurer.
Get Your Packet
Our system analyzes your situation and generates a complete dispute packet with references to applicable consumer protections. Review it, download it, and send it to your provider and insurer. We include clear instructions for every next step.
Professional Dispute Letter
A formal letter to your provider requesting a billing review, citing applicable consumer protections and detailing the basis for your dispute.
Itemized Bill Request
A formal request for a fully itemized statement with CPT codes, ICD-10 codes, and individual charges — essential for identifying billing errors.
Step-by-Step Action Plan
Detailed instructions on how to send your dispute letters, track deadlines, follow up, and escalate to your state insurance commissioner or attorney general if needed.
Common Questions About This Step
When do I pay?
You only pay when your packet is generated and ready to download. You can complete the entire intake process for free and see a preview before paying.
Can I make changes after downloading?
Yes. Every case includes one free regeneration. If you need to update information or add documentation, you can regenerate your packet at no additional cost.
How do I send the dispute letters?
Your action plan includes step-by-step instructions. We recommend sending via certified mail with return receipt requested — this creates a record that the provider received your dispute. We explain how to do this at your local post office or online.
What if the provider does not respond?
Your action plan covers this scenario. It includes instructions for follow-up communication and information about escalating to your state insurance commissioner, attorney general, or the federal Consumer Financial Protection Bureau (CFPB).