We send the letters, make the calls, file the charity-care applications, and escalate to CMS or the state insurance commissioner if needed. You do nothing. Keep 100% of what we save you.
$299 flat. No subscription. No percentage. 60-day money-back guarantee. Bills $1,500 and above.
Four steps. You're involved at the start and the end. We do the work in between.
Stripe checkout, one-time fee. Receipt arrives instantly.
Tell us about the bill, hospital, insurance, and household income. Email us a photo of the bill. Sign a limited authorization (no financial authority).
Letters, certified mail, follow-up calls, charity-care applications, escalation. Weekly email status updates. Typically 60-90 days.
We send you the paid-in-full letter from the hospital. You pay the negotiated amount directly. Case closed.
Honest scope. Read this before you buy.
The honest comparison.
| Claim Maximizer DFY | Resolve Medical Bills | Goodbill | DIY ($29 tool) | |
|---|---|---|---|---|
| Pricing | $299 flat | ~25% of savings | ~25-35% of savings | $29 flat |
| You keep 100% of savings | Yes | No | No | Yes |
| You do the work | No | No | No | Yes |
| Bill size minimum | $1,500 | $500 | $200 | None |
| Money-back guarantee | 60-day, full refund | No (contingency) | No (contingency) | 60-day, full refund |
| On a $5,000 reduction, you net | $4,701 | ~$3,750 | ~$3,250 | $4,971 |
Competitor pricing reflects publicly stated models as of April 2026. The DIY $29 tool keeps the most money — but only if you have the time and confidence to send the letters and make the calls yourself.
$299 flat. One-time payment. We start within 1 business day of intake.
After payment, you'll be redirected to a 5-minute intake form. Or preview the intake form first.
$1,500. Below that, the math is bad for both sides — at $299 flat, a $400 bill with 30% savings ($120 reduction) means you'd net negative $179. For bills under $1,500, the $29 Dispute Letter tool is the right fit and keeps every dollar of savings in your pocket.
Typically 60-90 days. HIPAA gives the hospital 30 days to respond to itemized bill requests. The first dispute letter generates a response in 30 days. Charity care determinations are 30 days. Escalation paths (CMS, state insurance commissioner) add another 30. Most cases resolve within 75 days; complex multi-provider cases can run 120 days.
We're transparent: we're a new service. Industry studies (CMS internal audits) put the rate of bills containing at least one coding error at around 80%, and bills above 2.5x Medicare rates almost always negotiate down. We can't promise a specific outcome on your bill, which is why we offer a 60-day money-back guarantee — if we can't reduce the bill at all, you get your $299 refunded.
Full refund of your $299. We document the dispute attempts (letters sent, escalations filed, responses received) and refund within 5 business days. Rare in practice — most bills $1,500+ have leverage somewhere — but the guarantee removes the risk.
Filing a 501(r) charity-care application pauses extraordinary collection actions for nonprofit hospitals while the determination is pending. For other cases, our first letter explicitly invokes a 30-day dispute hold under HIPAA § 164.524 and FDCPA § 809 if collections are involved. If the hospital ignores those rights, that's a regulatory escalation path (CMS, state AG) — we file it on your behalf as part of the service.
Yes. Email us anytime to stop. If we've already sent letters but haven't reached resolution, we send you the case file (letters sent, tracking numbers, response status) so you can continue on your own or with another service. Refund eligibility depends on stage: full refund within 14 days of intake, partial after that based on work completed.
Yes, with a different opening move. Bills in collections trigger FDCPA § 1692g rights — a 30-day window to dispute the debt in writing. We send the FDCPA dispute letter first, which forces the collector to validate the debt and pause collection activity. From there the negotiation proceeds normally. Note: bills already in active litigation (you've been sued) are outside our scope — those need an attorney.
Mostly no — DFY focuses on the provider, not the insurer. ERISA insurance appeals are a separate workflow with different deadlines and evidence rules and aren't part of this service. If we identify a billing error caused by insurance processing (wrong primary, missed coordination of benefits), we'll flag it and recommend the appeal path, but we won't run the appeal itself.
Resolve and Goodbill take 15-35% of whatever they save you — on a $5,000 reduction that's $750-$1,750. We charge $299 flat. You keep 100% of the savings. The tradeoff: they have larger ops teams and handle higher case volumes; we're newer, with a tighter focus and lower price.
No. This is a self-help educational and administrative service. We send letters citing real federal statutes (HIPAA, NSA, 501(r), FDCPA) on your behalf with your authorization, but we are not a law firm and do not provide legal advice. For bills in active litigation, complex injury claims, or interstate disputes, consult a licensed attorney.