Double charges
Billed twice for the same test or supply — sometimes under a slightly different name.
Medical bill audit, in seconds
Catch their billing errors.
Keep your money!
Upload any medical bill. Our system surfaces possible billing errors and drafts letter templates for you to review, sign, and mail.
Analyze my billFree preliminary audit. No account needed.
Self-help tool. Not legal, medical, or billing advice — every decision and action is yours.
The billing problem
Here's what you're up against.
80%
of medical bills have at least one error
$1,300
average overcharge on bills above $10,000
100M+
Americans with medical debt today
#1
money worry in the United States
Sources: Medical Billing Advocates of America (error rate); KFF Health Tracking Poll (medical-debt prevalence); Gallup (top financial worry). Figures are widely cited industry estimates, not specific predictions about your bill.
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.
Hospitals count on you being too tired, too stressed, or too unsure of your rights to push back. Letters that get traction usually include statute references, CPT codes, and Medicare-rate math — most people never learn the formula. So most people just pay.
That's why this exists. Upload your bill. We surface what looks worth questioning, and draft letter templates you can review, customize, sign, and mail. You stay in the driver's seat — we're a tool, not your lawyer.
— Dan, Founder
How it works
Four steps. Under a minute. Often thousands saved.
- 1
Upload your bill
Snap a photo or upload a PDF. Most bills are ready to check in about ten seconds.
- 2
Our system reads every charge
We screen each line for potential double charges, overcharges, missing-service charges, and prices well above benchmarks.
- 3
See what's flagged
A plain-English summary of issues found, the benchmark price for each item, and how much over the benchmark you appear to have been billed.
- 4
Review and mail
We draft each letter as a template — with relevant statutes referenced, the math shown, and a 30-day response window. You review, customize, sign, and mail.
What we catch
Hospitals employ teams to maximize billing. You deserve the same firepower.
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.
Fake charges
Billed for services, medicines, or supplies you never actually got.
Prices marked way up
Items marked up 500% to 10,000% over what they really cost — often drugs, supplies, and room charges.
Hidden money help
Non-profit hospitals are required by federal law (§501(r)) to offer financial assistance. Most patients never find out.
Composite case
Here's what a $19.97 report looks like.
Every line of your bill analyzed. Issues flagged for your review. Letter templates drafted, ready for you to customize and mail.
9 issues flagged for review
- Billed
- $78,500
- Benchmark
- $47,080
- Potential savings
- $31,420
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, with code references where present, Medicare-rate comparison, and fair-market math
- Up to 5 letter templates — chosen for your bill (dispute, itemized 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) application template
- Escalation reference — specific oversight offices named, so you know where to take it next if needed
Illustrative outcome
In this composite case, the patient mailed the drafted dispute letter with the Medicare-rate math and the 30-day response window. Twenty-eight days later, the billing department adjusted the account by $31,420. Outcomes vary, and we don't guarantee any specific result — you choose what to do with what we surface.
Why specific letters get attention
Generic dispute letters get ignored. Specific, math-backed ones tend to get a written response.
Billing departments brush off vague complaints. A letter that names the exact code, the Medicare rate, the statutes that put a 30-day clock on a response, and the offices you can escalate to is much harder to set aside.
Dispute Letter — annotated excerpt
From a real $78,500 bill audit
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 + Medicare math
Names the exact CPT code and the Medicare-derived math. Public 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.
Backed by our guarantee.
Single audit: 30-day money-back guarantee. Not happy with your report? Email billing@medibillsaver.com inside 30 days and we'll refund you in full.
Family & Pro plans: Cancel anytime, no long-term contract. Billed monthly. One click stops all future renewals; past payments aren't refunded.
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?
Our system compares every charge to what Medicare pays for the same service and to fair-market benchmarks. No computer is perfect. We surface the same kinds of issues paid bill-review experts look for — but the final call is always yours, and we'd never tell you anything is or isn't an error without your own review.
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 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.
The bill on your kitchen counter is probably wrong.
Find out in about a minute. Free. No account needed.
- Upload your bill
- See what's flagged
- Print, sign, mail
Preliminary audit is free. Report is $19.97 for one bill, $67/mo for the Family Plan (10 bills a month — $6.70 each), or $197/mo for Pro (100 bills a month — $1.97 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.