Dispute Your Medical Bill — Keep 100% of Your Savings

Negotiation is not only legal, it's a statutory right. The No Surprises Act (42 U.S.C. § 300gg-111), HIPAA Right of Access (45 CFR § 164.524), and IRS 501(r) all give you specific pathways to dispute bills and request records. The letters we generate cite these directly. That said, this tool is a self-help educational resource — not legal advice about your specific situation. If your bill is in active litigation or referred to collections, consult a licensed attorney in your state.

No. Disputing a medical bill before it goes to collections doesn't touch your credit at all. If it's already in collections, the FDCPA requires the collector to mark the debt as disputed on your credit file once you dispute in writing. Paid medical collections under $500 cannot be reported at all (as of 2023). Disputing generally helps your credit position, not hurts it.

Depends on the bill. If there are coding errors — duplicates, unbundling, upcoding — 30–50% reductions are typical. For uninsured prompt-pay negotiations, 40–60% off the chargemaster rate is the norm. For 501(r) charity care, eligible patients at nonprofit hospitals can have bills zeroed entirely. Bills already at reasonable rates may only move 10–20% through prompt-pay discounts.

Typically 30–90 days. HIPAA requires a response to itemized bill requests within 30 days. No Surprises Act disputes resolve in 30 days from notice. Charity care determinations are usually 30 days. Prompt-pay discounts settle same-day if the provider accepts.

Stripe delivers the tier you bought to the email on your receipt within a few minutes. The $9 Guide is a PDF. The $29 Dispute Letter arrives as a personalized PDF plus a follow-up checklist. The $49 Full Kit includes every template, the ERISA appeal, the charity care application, a phone script, and the escalation toolkit. No account creation, no login, no subscription.

Most first letters get a response within 30 days because you've invoked specific statutory deadlines (HIPAA § 164.524 for itemized bills, 26 CFR § 1.501(r)-4 for charity care). If they ignore you: (1) re-send certified mail, (2) file a complaint with the CMS No Surprises Help Desk (1-800-985-3059) if it's a balance bill, (3) file with your state insurance commissioner or AG, (4) for 501(r) violations, IRS Form 13909. The Full Kit includes all the escalation templates.

If the bill has been sent to collections, the FDCPA (15 U.S.C. § 1692) gives you a 30-day dispute window. Every letter we generate includes FDCPA § 809 language requesting a hold on collection activity during the dispute. If a collector has already reported to credit bureaus, you can also dispute under the Fair Credit Reporting Act — our Full Kit covers both paths.

Sometimes, yes. 501(r) charity care applies retroactively for up to 240 days after the first post-discharge bill — if you qualify and already paid, you're entitled to a refund of anything above Amounts Generally Billed (AGB). For straight negotiations on already-paid bills, leverage is lower but still possible if you documented coding errors or billing mistakes. The $29 letter handles both.

Concierge services like Resolve and Goodbill take 15–35% of whatever they save you, with weeks of turnaround. We charge a flat $9–$49 once, you keep 100% of the savings, and the letter is in your hands the same session. The tradeoff: you send the letter yourself and handle any phone calls. For most straightforward bills, the DIY path is faster and cheaper.

No. Every field you fill in stays on your device — the tool runs entirely in your browser. We never send your bill amount, account number, provider name, or anything else to any server. Close the tab and it's gone.