Letters and phone scripts
Free templates for disputes, appeals, and payment plans. Fill in the blanks, then copy, print, or download a Word file. What you type stays on the page.
Question a bill
Ask for an itemized bill, dispute a charge, or negotiate.
- LetterDuplicate charge letter for a medical bill (free template)Ask a provider, in writing, to remove a charge that appears twice on your bill for care you got only once.
- LetterFinancial assistance request letter for a hospital billApplying for hospital financial assistance (charity care) and asking for a hold while the hospital decides
- Phone scriptHospital bill negotiation script: what to say on the phoneCall a hospital billing office to ask for a lower amount or an interest-free payment plan, with answers for common replies.
- Phone scriptItemized bill phone script: what to say to the billing officeCall a billing office and ask for an itemized bill, with ready answers for the replies you're likely to hear.
- LetterItemized bill request letter (free template)Ask a hospital or doctor's office, in writing, for a bill that lists every charge, payment, and adjustment.
- LetterLetter asking a provider to bill your insurance first (free template)Ask a provider to send or fix a claim to your insurer, and to hold your account until your plan processes it.
- LetterMedical bill dispute letter (free template)Ask a provider, in writing, to review and correct a charge you think is wrong and to hold your account meanwhile.
Appeal your insurer
Appeal a denial, ask for an external review, or fix a claim.
- LetterExternal review request letter for a health plan denialAsking for an independent external review after your plan denies your internal appeal
- LetterInsurance appeal letter for a denied claimAsking your health plan to review and reverse a denied claim (an internal appeal)
- LetterPrior authorization appeal letter for care your plan won't approveAppealing a prior authorization denial for a test, procedure, or treatment you haven't gotten yet
- LetterSurprise bill dispute letter (No Surprises Act template)Ask an out-of-network provider to correct a surprise bill to your in-network share and hold your account while it checks.
Get help paying
Ask for a payment plan, or respond to a collector.
- LetterDebt validation letter for a medical bill in collectionsDisputing a medical debt with a collector and asking for proof, an itemized bill, and the original creditor
- LetterPayment plan request letter for a medical billAsking a hospital or other provider for an interest-free payment plan on a medical bill