Before you pay this bill
See whether you're paying
more than you have to.
A one-time $45 dispute plan to help you check which federal protections apply before you pay. If this bill looks wrong or inflated, don't pay it blindly.
Answer a few questions. We identify which laws apply. Takes 3 minutes.
Bring it down — or get your money back. Can't lose.
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Bring it down — or get your money back. No questions asked.
How it works
Answer a few questions
About your bill, insurance, and situation. No documents needed upfront.
We identify what applies
Federal laws specific to your case — No Surprises Act, ACA appeals, charity care.
Unlock your dispute plan
Pay $45 for your full dispute plan — exactly which protections apply, how to use them, and what to send.
What you get
Everything you need to dispute your bill — nothing you don't.
Which laws apply to your exact situation
Specific to your bill type, insurance status, service type, and income — not generic advice.
Standard dispute forms — ready to fill in
The same forms consumer advocates use. You fill in the blanks with your details.
Field-by-field guidance
Exactly what to write in each section, 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 window — collection dispute, appeal deadline — we flag it explicitly.
Simple pricing
Assessment
Free
- ✓Check if you were overcharged
- ✓See which laws apply
- ✓Know your options
Dispute Plan
$45
- ✓Ready-to-use forms
- ✓What to write
- ✓Where to send everything
One-time payment · Instant access
100% Money-Back Guarantee
This will bring down your bill — or we give you your money back. No questions asked. Can't lose.
Federal laws that protect you
These are the laws we check your bill against.
No Surprises Act (2022)
42 U.S.C. § 300gg-111
If treated at an in-network hospital by an out-of-network provider without written notice, you legally owe no more than your in-network rate.
ACA Internal & External Appeal Rights
42 U.S.C. § 300gg-19
Your insurer must have a full appeals process. If they uphold a denial, you can request an external independent review — binding on the insurer.
IRS 501(r) Charity Care
26 C.F.R. § 1.501(r)
Every nonprofit hospital must have a financial assistance program. Patients below certain income thresholds cannot be charged more than Medicare/Medicaid rates.
FDCPA Billing Error Rights
15 U.S.C. § 1692
You have the right to an itemized bill and to dispute any charge. If in collections, you have 30 days from first contact to request debt validation.
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 lower my medical bill?
The most effective way to lower your medical bill is to combine two approaches: first, check for billing errors (80% of bills have at least one), then identify which federal laws apply to your situation. The No Surprises Act, IRS charity care, and ACA appeal rights can each lower what you legally owe — sometimes dramatically. Our report tells you exactly which apply to your bill and how to use them.
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.
What do I do if my hospital bill is too high?
Start by requesting an itemized bill and checking for errors — 80% of hospital bills contain at least one. Then identify which federal protections apply: the No Surprises Act, IRS 501(r) charity care, and ACA appeal rights each provide different ways to reduce the amount you legally owe. Result.Law's free assessment identifies which apply to your specific bill.
How do I negotiate a medical bill?
Negotiating a medical bill is most effective when you cite specific legal grounds. Hospitals are more responsive to formal dispute letters that reference applicable federal law than to informal requests. The most effective approach is to file a written dispute — identifying the specific law, the amount in dispute, and requesting an itemized statement. Our assessment identifies the right mechanisms and gives you the exact letter to send.
How long do I have to dispute a medical bill?
Deadlines vary. 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 in collections, 30 days from first contact.