Free medical bill help
That bill might be wrong. Let's find out.
Plain-language guides, free tools, and ready-to-send letters to help you understand your bill, question what looks wrong, and pay only what you should.
Free to use. Built from primary sources. Not paid by hospitals or insurers. How we write our guides
What's going on with your bill?
Pick the problem that sounds most like yours. Each guide ends with what to do next.
- My bill doesn't make senseUnderstand your billRead your bill and explanation of benefits (EOB), line by line.6 guides →
- I think my bill is wrong or too highLower your medical billFind billing errors, dispute charges, and ask for discounts or charity care.9 guides →
- My insurer denied or underpaid a claimInsurance claims and appealsUnderstand denials, appeal them, and use your surprise billing rights.15 guides →
- I want to avoid a big bill next timeAvoid surprise billsEstimates, network checks, and pre-approval before you get care.4 guides →
- I can't afford what I oweCan't afford a medical billPayment plans, financial help, collections, and your credit.5 guides →
Your bill and your EOB should tell the same story
Your explanation of benefits (EOB) shows what your insurer says you owe. When your bill asks for more, there's usually a reason: a duplicate line, a missing payment, or a bill sent too early.
Example
An ER bill asked for $1,007. The EOB said $687.
The $320 gap was a blood test listed twice. It never went to the insurer, so it wasn't on the EOB.
Illustrative example.
Bills by type of care
One visit can bring several bills. See every bill to expect, and what goes wrong most often.
Free tools
Letters you can send today
Most people don't know they can ask for an itemized bill. Our templates give you the words for that, and for disputes, appeals, and payment plans.