Free · No signup · Private
Medical Bill & Insurance Fighter
Free tool to fight medical bills: request an itemized bill, find duplicate charges, appeal an insurance denial, dispute surprise bills (No Surprises Act), ask for financial assistance or validate medical debt. Ready letters in 2 minutes.
1. What happened?
2. The details
3. Your rights
- ✔You can ask for a fully itemized bill with billing codes. Many errors (duplicates, services you never got) only show up there.
- ✔Compare the bill with your insurer's Explanation of Benefits (EOB). You should not pay more than the 'patient responsibility' shown there.
- ✔Ask the billing office to put the account on hold while it is reviewed, so it doesn't go to collections.
🔍 Check your itemized bill for duplicates
Paste the lines of your itemized bill (one charge per line). Nothing is uploaded.
✉️ 4. Your letter
Letters are in English for US providers, insurers and collectors. Send by email and certified mail; keep copies.
🧭 What to do next
- Paste your itemized bill below to spot duplicate charges.
- Send the letter (email + keep a copy) and note the date.
- Call the billing office a week later and ask for the result in writing.
Official help:
General information, not legal advice. Rules can differ by state and plan. Check the official links. 🔒 Everything stays on your device. Nothing is uploaded or saved.
Questions people ask
Is this tool free? Do you see my bill?+
It's 100% free with no signup. Everything runs in your browser, so your bill, name and insurance details never leave your device.
Do medical bills really contain errors?+
Yes, often. Duplicate charges, services you didn't receive and charges that should have gone to insurance are common. Always ask for an itemized bill and compare it with your insurer's Explanation of Benefits.
Does disputing a bill hurt my credit?+
No. Asking for an itemized bill, appealing a denial or requesting financial assistance doesn't affect your credit. Ask the provider to hold the account while it is reviewed so it doesn't go to collections.
Is this legal advice?+
No. It's general information based on federal rules and ready-to-edit letter templates. State laws and your plan documents may give you more rights. For large amounts, consider a patient advocate or attorney.