Double charges
Billed twice for the same test or supply — sometimes under a slightly different name.
Self-help software for disputing your medical bill.
Take charge of your medical bill.
Our tools compare every line of your bill against six federal data sources. Then they draft your dispute letters, with the statutes already inside. You sign and send — and keep every dollar you save.
$19.97 once. 30-day money-back guarantee.
Audit my bill
- $19.97 unlocks the full report — PDF download & emailed copy
- 30-day money-back guarantee on single audits · no account needed
Software for patients handling bills themselves. Complex cases may still call for a credentialed medical billing advocate, attorney, or CPA. Not legal, medical, or billing advice — every decision and action is yours.
Not sure where to start?
Pick the one that sounds like you.
I have a bill I don’t understand
Upload it. Our tool reads every line for you. You see what looks fair and what doesn’t.
Audit my bill →I only got a summary, not the full bill
The paid audit writes you a HIPAA letter that requests the full itemized bill from the hospital.
Start here →I want to see how the tool works first
Read the methodology: the six data sources, the math, and exactly what the dispute letters say.
See how it works →Built on six authoritative federal & public-data sources
- CMS PFSMedicare Physician Fee Schedule
- NADACNational Avg Drug Acquisition Cost
- HPTHospital Price Transparency files
- NCCINational Correct Coding Initiative
- Hospital CompareCMS quality & safety data
- IRS Pub 78501(c)(3) charity-care eligibility
Every figure in your report cites the federal source it came from — so you, and the billing office, can check it. All six are public-domain government works (17 USC §105); no AMA CPT manual content is used. See our methodology and published research.
Why the tools matter
Industry studies say up to 80% of medical bills have errors. Most people pay them anyway.
The data you’d need to check a medical bill is already public — Medicare publishes a benchmark price for every procedure code, and hospitals are federally required to publish their own price files. But it lives in files built for billing software, not for you. We’re a cutting-edge technology company with one job: put the same tools the experts use into your hands. Our software reads your bill line by line and checks every charge, so you can understand it, question what looks wrong, and use the rights you already have — one bill at a time.
Up to 80%
of medical bills may contain at least one error, per industry estimates
$1,300
average flagged amount cited on bills above $10,000, per industry estimates
100M+
Americans with medical debt today
#1
money worry in the United States
See if your bill fits the pattern.
Audit my billSources: Medical Billing Advocates of America (error-rate estimate, widely cited 2016–2024); KFF Health System Tracker (medical-debt prevalence, KFF/Peterson 2024); Gallup (top financial worry, annual Economy & Personal Finance poll). Industry estimates vary; published academic studies report 30%–80% error rates depending on bill type, sample size, and methodology. Figures are not predictions about your specific bill. See our methodology.
Why this exists
This started at my kitchen table, with my family’s bills.
I built MediBill Saver after working through medical bills for my grandparents and for my father during end-of-life care. I was surprised how often the bills were wrong — and how hard it was to push back.
Most people just pay. They’re tired, stressed, or don’t know their rights — and the letters that get traction usually include statute references, CPT codes, and the benchmark math, which most people never learn.
That’s why this exists. So you can see if you’re paying the fair price — and have a letter ready to push back if you’re not. Upload your bill, we surface what looks too high, and draft dispute letters you sign and mail. You stay in the driver’s seat.
— Dan, Founder
How it works
Three steps. About ten minutes. You stay in control.
No phone calls. No advocates to hire. No apps to install. You upload, we audit, you sign and mail.
- 1
~10 seconds
You upload your bill.
Snap a photo from your phone, or drag in a PDF from your patient portal. Hospital, ER, lab, ambulance, pharmacy — any medical bill works. No account needed for the preliminary audit.
- 2
up to 5 minutes
Our system audits every line.
We cross-check every charge against six authoritative public-data sources — what Medicare pays, what your hospital accepts from cash-pay patients, what insurers negotiate, federal bundling rules, hospital quality data, and charity-care eligibility. Anything worth questioning gets flagged with the math behind it. Complex bills can take a few minutes to work through — we’d rather be thorough than fast.
- 3
~5 minutes
You review, sign, and mail.
We draft up to 5 dispute letters tailored to your bill — the codes, the math, the federal statutes that put a 30-day clock on a written response. You read them, add your signature, and mail by certified mail. We don't send anything for you — you stay in the driver’s seat the whole way.
Audit my bill
Free preliminary audit. Full single bill report is $19.97 with a 30-day money-back guarantee.
Patterns we screen for
What’s worth checking on a typical bill.
Every pattern below is documented in published medical-billing research. We screen for each one on every bill — you decide what to do with what we surface.
Upcoding
Charged at a more serious level than the care you actually got. It's the costliest billing pattern.
Unbundling
Splitting one package of care into many small charges to pump up the total. We auto-flag pairs against CMS's official bundling rules — billing a metabolic panel AND its individual components, for example.
Phantom charges
Billed for services, medicines, or supplies you never actually got.
Prices well above public benchmarks
Items priced significantly above the federally-required Hospital Price Transparency benchmarks (45 CFR §180.50) — often drugs, supplies, and room charges.
Financial assistance
Non-profit hospitals are required by federal law (§501(r)) to offer financial assistance to patients meeting income criteria. Many patients qualify but never apply.
What $19.97 gets you
The tools to handle your own bill.
- Every charge on your bill checked against six public sources of pricing and rules data.
- Up to 5 dispute letters drafted, with the laws that back them up already inside.
- A charity-care request letter when the hospital is a non-profit.
- A HIPAA letter to request the full itemized bill, if all you got was a summary.
- The full report as a PDF and emailed copy.
- Refund within 30 days if it didn’t help.
Compared honestly
How we compare to a medical-bill negotiation service.
A negotiation service does the talking for you — which means handing over your bill, your medical records, and an authorization to act on your behalf. We just hand you the report and the letters. You stay in control, and your bill is read once and deleted within 60 seconds.
Bill negotiation service
MediBill Saver
Fee structure
Bill negotiation service10–25% of savings, sometimes with a refundable $249–$499 deposit credited toward that fee. Some charge nothing upfront.
MediBill Saver$19.97 flat. No percentage of anything. No additional fees.
Turnaround
Bill negotiation serviceDays to weeks of back-and-forth between the advocate and the hospital.
MediBill SaverUp to 5 minutes. Report and dispute letters ready before you finish your coffee.
Control of your bill
Bill negotiation serviceYou hand over your bill, your medical records, and an authorization so they can negotiate on your behalf.
MediBill SaverYour bill stays with you. We never call the hospital. You sign and mail the letters yourself.
Data the audit uses
Bill negotiation serviceVaries by service. Often not disclosed.
MediBill SaverSix federal public-data sources, every one cited in your report.
Your records & privacy
Bill negotiation serviceThey keep your bill and medical records on file while they work; retention afterward varies.
MediBill SaverWe never ask for your medical records, or for permission to act for you. Your bill is read once, then deleted within 60 seconds.
Negotiation-service pricing reflects publicly-listed fee structures of major U.S. medical-bill negotiation companies. We're self-help software, not a substitute for a credentialed advocate when your situation requires one — see Path 2 below.
Want the full breakdown of all four pricing models — flat fee, contingency, hourly, DIY? See the pricing-models guide.
Honest options
Three honest paths.
Different bills need different help. Here’s how to tell which path fits yours.
Path 1
Do it yourself
Free. A couple of hours per bill. The federal data is all public.
Right for you if:
- You have time and patience for spreadsheets.
- You’re comfortable researching CPT codes and federal statutes.
- Your bill is small enough that the time investment is the right tradeoff.
Path 2
Hire a credentialed advocate or attorney
Hourly advocates and healthcare attorneys bill by the hour, at rates that vary by market. Negotiation services typically take 10–25% of any savings, sometimes with a refundable $249–$499 deposit credited toward that fee. Right for complex cases.
Right for you if:
- Your bill is in active litigation or you need legal representation.
- The case is genuinely complex — multiple insurers, denied appeals, contested coding.
- You need someone to negotiate on your behalf or appear in proceedings.
Path 3 · most people
Use MediBill Saver
$19.97 per bill. Quick audit. Software, not a service.
Right for you if:
- You want the bill checked but don’t want to learn medical coding.
- You want a real dispute letter with the codes, math, and federal law already inside.
- You’d rather spend $19.97 to see how your bill compares to the federal benchmarks before paying.
Illustrative example
Here's what a $19.97 report looks at.
Every line of your bill analyzed. Issues flagged for your review. Dispute letters drafted, ready for you to customize and mail. Worked example below; your specific bill will look different.
9 charges flagged for your review on this $78,500 bill
Issues flagged for review on this bill
- $9,200Observation status billed as inpatient admission
- $6,800Surgical supply kit billed at 11× actual cost
- $4,200ER visit appears upcoded from Level 3 to Level 5
- $3,100Duplicate CBC panel + anesthesia billed twice
- $2,400Level 5 E/M charge without supporting documentation
- $1,900IV saline at $450 (benchmark $1.50) + other IV markups
- $3,820Three more apparent duplicate med and supply charges
What your $19.97 report includes
- Every charge analyzed — line by line, cross-checked against six federal data sources (CMS Medicare rates, NADAC drug benchmarks, Hospital Price Transparency files, CMS bundling rules, CMS Hospital Compare quality data, and IRS Publication 78 charity-care eligibility) with the math shown
- Up to 5 dispute letters drafted for your specific bill — chosen from the most-effective formats (line-by-line dispute, itemized-statement request, financial assistance, surprise-billing notice, settlement, or debt validation when applicable)
- Relevant legal references gathered — drawn from HIPAA §164.524, ACA §501(r), the No Surprises Act, FDCPA §1692g, and EMTALA, when applicable to your bill
- Financial assistance programs you may qualify for, with a §501(r) charity-care request letter drafted
- Escalation reference — specific oversight offices named, so you know where to take it next if needed
What you get
This worked example shows what a $19.97 report contains — every charge analyzed, issues flagged, dispute letters drafted — using billing patterns we screen for. We do not yet publish customer outcome data and cannot promise any particular result. Whether a hospital reduces a charge depends on your bill, your provider's response, and the action you choose to take. Some patients see meaningful adjustments; some see partial adjustments; some see none.
What's included
Everything included with your $19.97 audit.
Every line of value below. And what a negotiation service would charge for the same outcome.
- Complete line-by-line audit of every charge on your bill$97
- Up to 5 custom dispute letters drafted for your specific bill$147
- Federal statute citations — HIPAA §164.524, ACA §501(r), No Surprises Act, FDCPA §1692g, EMTALA when applicable$47
- Personalized §501(r) financial-assistance request letter (when eligible)$67
- Escalation roadmap — specific oversight offices named$37
- Three-benchmark price comparison: cash-pay, insurance, Medicare$47
What others charge vs. what you pay
Industry — not us
Bill negotiation services charge
$249–$499 refundable deposit+10–25% of savings
On $4,000 of savings, a 20% cut is about $800 — out of your savings.
MediBill Saver — your price
Flat fee. You keep 100% of what you save.
$19.97On that same $4,000, the fee is $19.97 — you keep $3,980.
Negotiation-service pricing reflects the publicly-listed fee structures of major U.S. medical-bill negotiation companies. Hourly advocates and healthcare attorneys bill by the hour, at rates that vary by market. MediBill Saver is self-help software, not a substitute for either when your situation requires one.
Pricing
Pick the plan that matches your situation.
Same quick audit. Same dispute letters. Same six federal data sources. The plan you pick depends on how many bills you’re working through.
Single Audit
$19.97one-time
For the one bill that doesn't feel right.
- Full report unlocked for one bill
- Up to 5 dispute letters drafted
- Federal statute citations included
- 30-day money-back guarantee
Family Plan
$97/month
10 bills per month — $9.70 each
For caregivers managing bills for parents, kids, or a spouse with chronic conditions.
- 10 full audits per month
- All dispute letters and statute citations
- Cancel anytime — one click, no contract
- Past monthly payments aren't refunded
Pro Plan
$297/month
100 bills per month — $2.97 each
For patient advocates, financial counselors, and benefits brokers running audits for clients.
- 100 full audits per month
- Everything in Family — same data, same letters
- Cancel anytime — one click, no contract
- Past monthly payments aren't refunded
Every plan starts with a free preliminary audit — you only see pricing after the system has surfaced something worth showing you. Single audits carry a 30-day money-back guarantee; Family and Pro are cancel-anytime.
Why specific letters get attention
Specific letters are harder to set aside than generic ones.
A letter that names the exact code, the Medicare rate, the statutes that put a 30-day clock on a response, and the offices a patient can escalate to is harder for a billing department to set aside than a vague complaint.
Dispute Letter — annotated excerpt
Illustrative excerpt from the worked example above — not a real customer letter
1. CPT 99285 (Emergency Dept., Level 5): $8,450 billed Medicare allowable: $425 × 3.2 factor = $1,360 Fair market rate: $2,125 Requested adjustment: reduce to CPT 99283 (Level 3) per documented chief complaint.
Exact code + benchmark math
Names the exact CPT code and the benchmark-derived math. Public federal data, non-disputable. The hospital can't say "we didn't do that" or "our price is reasonable" — the numbers are fixed.
Under HIPAA 45 CFR §164.524 and 42 USC §300gg-111 (No Surprises Act), please place this account in dispute status, halt collections activity, and respond in writing within 30 calendar days of receipt.
The law that forces a response
Cites the specific federal statutes that put a 30-day clock on a written response. The matter typically moves out of front-line billing into legal and compliance review.
If unresolved, I reserve the right to file complaints with: • State Attorney General, Office of Consumer Protection • Centers for Medicare & Medicaid Services (CMS) • Internal Revenue Service (§501(r) non-profit compliance) • Better Business Bureau
The escalation that ends delays
Names the specific offices — not a vague threat. Once a formal complaint lands at any of these, the matter typically moves out of billing into legal and compliance review. You stay in control of whether to escalate.
Every letter we draft has all three ingredients — plus the specifics from your bill.
FAQ
Frequently asked questions
Do you store my bill or use it to train AI?
No. Your bill is sent over a safe, encrypted connection to Google Gemini (paid plan). The AI reads it once, then the bill is thrown away. We never save a copy. Google's paid plan does not allow them to use your bill to train their AI. Your full report is sent back to your browser, and it stays locked until your payment is confirmed. We do not keep a copy we can read. See our Privacy Policy for the full story.
How accurate is the check?
We layer six authoritative public data sources: the CMS Physician Fee Schedule (Medicare reimbursement for ~9,500 codes), NADAC (pharmacy acquisition cost for 33,000+ drugs from a CMS survey of 60,000 pharmacies), federally-mandated Hospital Price Transparency files (real cash-pay and insurance-negotiated rates per hospital), CMS National Correct Coding Initiative edits (which bundling violations to flag), CMS Hospital Compare quality data (publicly-reported safety and patient-experience metrics for the facility), and IRS Publication 78 (to confirm 501(c)(3) status when we surface charity-care eligibility). For every line item we show three pricing benchmarks side by side. No computer is perfect — we surface the same patterns paid bill-review experts look for, but the final call is always yours, and we'd never assert any specific charge is an error without your own review.
Do you have an affiliate program?
Yes — see /affiliates. Patient advocates, healthcare-finance creators, and anyone who reaches caregivers can earn $6 per Single Bill referred or 30% recurring on Family/Pro subscriptions for the first 12 months. Stripe Connect handles all payouts and 1099-NEC tax forms automatically. Required: FTC-style #ad disclosure on referral content.
Is this legal advice?
No. MediBill Saver is self-help software, not a law firm. The letters we draft are starting points. You look them over, add your info, and mail them yourself. We are not your lawyer, and we do not call the hospital for you.
What kinds of bills can I check?
Any medical bill — hospital stays, ER visits, day visits, lab work, x-rays and scans, pharmacy bills, ambulance rides. Upload a photo from your phone or a PDF from a patient portal.
What if my hospital bill doesn't show codes on each line?
Some hospital bills — called UB-04 summary bills, common at discharge — show category totals like "Intensive Care" or "Pharmacy" without the per-line procedure codes our pricing engine needs to compare each charge against federal benchmarks. On those bills the cash-pay, insurance, and Medicare columns will show a dash, and the audit focuses on what we can do: document the total billed, flag the patterns we can identify, and draft the HIPAA §164.524 itemized-statement request letter that legally compels your hospital to send the detailed line-by-line bill within 30 days of receipt. Once that detailed version arrives, re-upload it here for the full line-by-line audit. The re-upload is a separate $19.97 audit; if you anticipate multiple bills, Family Plan ($97/mo, 10 audits) is the cheaper path.
What if my bill looks right?
We'll say so. We don't make up mistakes. If your charges are fair, we'll tell you — and that's peace of mind worth having.
What if the hospital ignores my letter?
Every letter ends with an escalation reference that names the offices you can contact next — your state Attorney General's Office of Consumer Protection, the Centers for Medicare & Medicaid Services (CMS), the IRS (for non-profit hospital §501(r) compliance), and the Better Business Bureau. The decision to file any complaint is yours. Once a formal complaint is filed, the matter typically moves from front-line billing into legal and compliance review — outcomes still vary case by case.
Risk reversal
30-day money-back guarantee on single audits.
Upload your bill. We'll analyze every line. If we don't surface at least one charge worth questioning — or if you're unhappy with your single-bill report for any reason — email billing@medibillsaver.com inside 30 days and we'll refund every penny. You keep the report. You keep the letters. (Applies to single-bill audits at $19.97. Family and Pro plans are cancel-anytime; see below.) Full refund policy →
That's how confident we are that your bill is worth a closer look.
Family & Pro plans: Cancel anytime. No long-term contract. Billed monthly — one click stops all future renewals. Past payments aren't refunded, but you keep access through your current billing period.
Check the bill on your kitchen counter against federal data.
Fast. Free. No account needed.
- Upload your bill
- See what's flagged
- Print, sign, mail
- A bill negotiation service: 10–25% of what they save you, sometimes plus a refundable $249–$499 deposit.
- A billing advocate or attorney: billed by the hour; rates vary widely by market.
- Doing nothing: $1,300 average flagged amount per bill above $10,000 (industry estimate).
MediBill Saver: $19.97 once. Refundable for 30 days.
Preliminary audit is free. Report is $19.97 for one bill, $97/mo for the Family Plan (10 bills a month — $9.70 each), or $297/mo for Pro (100 bills a month — $2.97 each). Plans bill monthly — cancel anytime, no contract. Single audit comes with a 30-day money-back guarantee.
P.S. If your bill is already with a collection agency, the FDCPA §1692g validation window is generally 30 days from first contact. The sooner you review your options, the more of them you may have available.
P.P.S. Not sure your bill has errors? The preliminary audit is free — no account needed. You'll know quickly whether it's worth pulling the full report.
P.P.P.S. Hospital bills don't get easier to dispute as time passes. Once a bill goes to collections or gets sold to a debt buyer, your leverage drops sharply. Today is when your options are widest.