Medical Bill Reducer

Upload your bill. Find out what you really owe.

⚠️ This tool is for informational purposes only and does not constitute legal advice. Not for bills already in collections.
📄 Upload
🔍 Analysis
✉️ Letter
📋 Resources

Upload Your Medical Bill

Take a photo or upload an image/PDF of your bill. We'll analyze every charge.

📸
Tap to take a photo or choose a file

What type of coverage do you have?

Preparing...

Your bill image is processed securely and not stored permanently. Analysis typically takes 10-15 seconds.

Upload a bill first to see your analysis.

Analyze a bill first to generate a dispute letter.

How This Works

  1. Upload your bill before paying it
  2. We analyze every charge against Medicare rates, hospital published prices, and applicable laws
  3. You get a dispute letter citing specific overcharges and legal protections
  4. Send the letter to your provider with the corrected amount
  5. Pay the correct amount as "paid in full" — no credit damage

Important Deadlines

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Where to File Complaints

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Disclaimers

NOT LEGAL ADVICE: This tool provides informational analysis of medical bills based on publicly available pricing data and consumer protection laws. It does not constitute legal advice and does not create an attorney-client relationship. For legal advice, consult a licensed attorney.

PRIMARY USE: This tool is designed to help you review and dispute medical bills BEFORE payment. If your bill is already in collections, results may vary — consult a consumer rights attorney or nonprofit credit counselor.

CREDIT PROTECTION: When used as designed (disputing before payment), this tool aims to help you pay the correct amount as "paid in full" with no negative credit impact. We cannot guarantee credit outcomes.

ARIZONA FOCUS: State-specific protections are currently optimized for Arizona. Federal protections apply nationwide.