Question 1

Is my data safe? Do you sell or share my information?

Accepted Answer

Your bill stays in our encrypted storage. We do not sell, share, or use your protected health information for advertising. Files are accessible only to you and the audit pipeline that processes them. You can delete your case (and the underlying files) any time from your dashboard.

Question 2

What does it cost?

Accepted Answer

A contingency percentage of the documented savings on your bill. The exact rate depends on the bill amount and is set in the Service Agreement you sign — your rate is locked in at signing. There's no upfront fee, no monthly fee, no card required today, and no fee at all if we don't reduce your bill.

Question 3

What if you can't reduce my bill?

Accepted Answer

Then you owe us nothing. Our fee is purely contingent — we invoice only after a final statement or zero-balance letter documents the savings.

Question 4

Do you contact the hospital for me?

Accepted Answer

Yes — that's the whole point. After you sign the Service Agreement and HIPAA authorization, an advocate takes the calls, paperwork, and back-and-forth off your plate. We only loop you in to approve a settlement.

Question 5

Is this just a service that mails a dispute letter?

Accepted Answer

No. A certified dispute letter is one of our strongest tools, but it's one move of several. Depending on what your bill needs, we'll request an itemized statement, cross-check your EOB, file a charity-care application, invoke No Surprises Act protections, send a debt-validation letter, or call the billing department with a settlement script. We pick the tactics that match your situation and run them until the bill is resolved.

Question 6

Are you lawyers?

Accepted Answer

No. We are not a law firm and cannot represent you in court. For lawsuits, garnishments, or bankruptcy questions we recommend you also speak to a consumer-law attorney — and we'll tell you when we hit that line.

Question 7

How do I dispute a hospital bill?

Accepted Answer

Start by requesting an itemized statement, then compare every line against your EOB and the care you actually received. Flag duplicate charges, upcoding, and prices far above the Medicare anchor. From there you can submit a written dispute, apply for charity care, or invoke No Surprises Act protections. If you'd rather not handle it yourself, we do all of this for you — and only get paid if we reduce the bill.

Question 8

How long does a medical bill audit take?

Accepted Answer

The initial audit — pulling the itemized statement apart and identifying the errors and overcharges — typically takes a few business days once we have your documents. The full negotiation with the provider can take several weeks to a few months, since hospital billing departments move slowly. We keep your case moving and only loop you in to approve a settlement.

Question 9

Is medical bill negotiation legal?

Accepted Answer

Yes. Negotiating a medical bill is completely legal, and hospitals routinely settle balances for less than the billed amount. With the HIPAA authorization you sign during intake, we're allowed to act as your authorized representative and handle the calls and paperwork on your behalf.

Question 10

Will disputing my medical bill hurt my credit?

Accepted Answer

Disputing or negotiating a bill doesn't hurt your credit on its own. Medical debt under $500 is no longer reported by the major credit bureaus, and paid medical collections are removed. Acting early — before a bill goes to collections — is the best way to protect your credit, which is exactly when our work has the most leverage.

Question 11

How much can I save by negotiating my bill?

Accepted Answer

It varies by bill, but medical bills routinely contain duplicate charges, upcoding, and prices well above the Medicare fair-price anchor. Many patients see meaningful reductions once those errors are challenged and a settlement is negotiated. Because our fee is a contingency percentage of the documented savings, we're only paid when you actually save.

Frequently asked questions

Ready to take on your bill?