You May Be Overpaying
Your Medical Bill.
Check if you can reduce it — in 3 minutes.
Federal law — the No Surprises Act, ACA appeal rights, and IRS charity care rules — gives you specific, enforceable rights to dispute medical bills.
Most patients pay without ever knowing these rights exist.
Example
$9,400 ER bill → out-of-network provider, in-network facility, no written notice given. No Surprises Act applied. Patient owed in-network rate only.
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Federal laws that protect you
No Surprises Act (2022)
42 U.S.C. § 300gg-111
If you were treated at an in-network hospital by an out-of-network provider — without written advance notice — you legally owe no more than your in-network rate. Violations are common. Most patients never dispute them.
ACA Internal & External Appeal Rights
42 U.S.C. § 300gg-19
Your insurer must have a full internal appeals process. If they uphold a denial, you can request an external independent review — binding on the insurer. These rights apply to all ACA, employer, and marketplace plans.
IRS 501(r) Charity Care
26 C.F.R. § 1.501(r)
Every nonprofit hospital (the majority of US hospitals) must have a financial assistance program by law. Patients below certain income thresholds cannot be charged more than Medicare/Medicaid rates.
FDCPA Billing Error Rights
15 U.S.C. § 1692
Studies show 80% of medical bills contain errors. You have the right to an itemized bill and to dispute any charge you do not recognize. If the bill is in collections, you have 30 days to request debt validation.
What the full assessment gives you
Which laws apply to your exact situation
Not generic advice — an assessment specific to your bill type, insurance status, service type, and income.
Standard dispute forms — ready to fill in
The same forms that federal regulators and consumer advocates use. No personalized letter — you fill in the blanks with your details.
Field-by-field guidance
Exactly what to write in each section of each form, based on your answers.
Where to send each form and what to attach
The right address, the right department, the right supporting documents.
Deadline alerts
If there is a time-sensitive deadline — collection dispute windows, appeal deadlines — we flag it explicitly.
Common questions
Can I dispute a hospital bill?
Yes. Federal law gives you specific enforceable rights depending on your situation. The No Surprises Act, ACA appeal rights, IRS charity care, and FDCPA billing error rights each apply in different circumstances. Most patients pay without ever knowing these protections exist.
How do I reduce my medical bill?
Start by requesting an itemized bill — 80% of medical bills contain errors. Then identify which federal protections apply to your case. If you were seen by an out-of-network provider at an in-network facility, the No Surprises Act may cap your cost. If the hospital is nonprofit and your income qualifies, IRS charity care can reduce your bill to Medicare rates.
What happens if I can't afford my medical bill?
If the hospital is nonprofit (most US hospitals are), they are legally required to have a financial assistance program. Patients below certain income thresholds cannot be charged more than Medicare/Medicaid rates. You must apply — the hospital will not offer this proactively — but you have the right to receive it.
How long do I have to dispute a medical bill?
Deadlines vary by law. For No Surprises Act disputes, generally up to 120 days after receiving the bill. For ACA insurance appeals, typically 180 days from denial. For FDCPA debt validation (if your bill is in collections), 30 days from first contact. Acting quickly matters.
Not legal advice. Factual information about your rights only.