Medical bill help center

Patientbill.org gives you information and tools to handle your own bill. The AI analyzes what you upload, explains possible issues, and prepares an action plan and call script. You decide what to do and make the calls yourself. Patientbill.org does not contact providers, negotiate, or act as your representative.

Yes. The AI audit, explanations, action plan, and call scripts are free. There is no subscription, contingency fee, card requirement, or percentage of any savings.

No. You can begin anonymously without an account or email. An email is optional if you want a private return link so you can reopen your work on another device or after closing the page.

The workspace creates a private anonymous draft protected by a browser-bound token. You can keep using the draft in that browser while the token remains available. If you want to return on another device or recover access after the browser token is unavailable, enter an email before leaving and Patientbill.org will send a private return link. This does not create an account. Anyone with a valid return link may be able to open that draft, so keep it private.

Upload a medical bill as a PDF or clear phone photo. An itemized bill is most useful because it shows individual charges and codes. If you have insurance, adding the matching Explanation of Benefits (EOB) helps compare the provider bill with what the insurer says you owe.

The AI can flag possible duplicate or unbundled charges, math problems, services that may not match the record, insurance mismatches, potential surprise-billing issues, and financial-assistance options. Findings are starting points to verify with the provider or insurer, not guaranteed errors.

The AI sees only the information you provide. It cannot confirm what care you actually received, inspect the provider's full medical or billing record, decide legal rights, guarantee eligibility, or promise that a charge will be changed. Review each finding and ask the provider or insurer to verify it.

Read the findings first and note anything that does not match your experience. Follow the action plan in order, gather the documents it suggests, and use the call script when you contact the billing office, insurer, or collector. Take notes, ask for names and reference numbers, and request written confirmation of any change.

No. You contact the provider, insurer, or collector yourself and remain in control of every decision. Patientbill.org does not send letters, make calls, negotiate, or represent you.

Ask why the request was denied, request a supervisor or patient advocate at the provider, and ask for the decision in writing. Correct or add documents, then call again with your notes. Depending on the issue, you may also use the insurer's appeal process, the hospital's financial-assistance review, or an appropriate state or federal complaint process.

A summary statement may show only a total. An itemized bill lists individual services, dates, codes, and charges, making it easier to compare the bill with your EOB and the care you remember receiving. Ask the billing department how to obtain one if you only have a summary.

Many hospitals have policies that reduce or forgive bills based on income and household circumstances. Rules and required documents vary by hospital. Ask for the provider's financial assistance policy and application before agreeing to a payment you cannot afford.

Often, yes, and some hospitals also review accounts that are past due or in collections. Deadlines and eligibility differ, so contact the hospital promptly, ask whether collection activity can be paused during review, and keep proof that you applied.

An EOB is not a bill. Match the provider, service date, and claim, then compare the EOB's patient responsibility with the provider's balance. If they differ, ask both the provider and insurer to explain the mismatch before paying the disputed amount.

Read the denial reason and appeal instructions on the EOB or denial notice. Confirm that the provider submitted the correct information, note the appeal deadline, and ask what records are needed. For medical-necessity denials, your treating clinician may be able to provide supporting documentation.

You can still review and dispute a bill in collections. Ask the collector for written validation and keep records of every contact. Reviewing or disputing a bill does not itself change your credit, but reporting rules and deadlines vary and can change. Check your credit reports and seek qualified legal help for a lawsuit, garnishment, or urgent deadline.

Uploads and workspace data are handled as private information and protected with access controls and encryption. Patientbill.org does not sell protected health information or use it for advertising. Share private return links only with people you trust.

Information is retained as described in the current Privacy Policy, including as needed to operate and secure the service and meet legal obligations. Follow the deletion instructions in that policy or email hello@patientbill.org. Do not rely on closing the browser as a deletion request.

No. Patientbill.org provides educational information and self-service tools, not legal or medical advice. It is not a law firm, medical provider, insurer, or patient representative. Consult an appropriate licensed professional for advice about your specific situation, especially lawsuits, garnishments, bankruptcy, or medical decisions.