Got a medical bill that's wrong, surprising, or impossible?
Hospitals settle. They just need a properly-written request. We write it.
Most hospitals settle at 40–70% of the original balance for self-pay or hardship requests.
Drafting tool. Not legal advice.
What's actually happening.
You got a bill that doesn't match what your insurance said you'd owe. Or it's huge and you can't pay it. Or it has charges you don't recognize. You can negotiate. Most hospitals have charity care programs, financial assistance, and settlement policies — but they don't advertise them. The right letter, citing the right rules, gets results. Most people don't send one.
What we draft.
I am writing regarding Account #847291-C, reflecting a balance of $14,720 for services rendered on March 10, 2026. I am requesting review under your financial assistance program and invoking my rights under the No Surprises Act (Public Law 116-260) regarding the out-of-network charge on line item 6. Per CMS Hospital Price Transparency rules (45 CFR 180), I request your standard charge data for CPT codes 99285 and 36415 as billed. The balance I received significantly exceeds the shoppable price listed on your price transparency tool...
Full letter includes: itemized dispute, applicable statute citations, charity care inquiry, settlement proposal, and response deadline request.
How it works.
Upload or paste
Take a photo, upload a PDF, or paste the text of the letter you received. Our AI reads it.
Answer a few questions
We ask the minimum we need — your name, what happened, any context. Takes two minutes.
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Pricing.
One-time generation. You print and mail, or we do it.
Full letter as PDF and DOCX. You print, sign, and mail.
We mail USPS first class on your behalf.
USPS certified mail. Creates a documented record of delivery.
Preview is always free. Pay only if you like what you see.
Laws we cite.
We ground every letter in real statutes and regulations. Here's what applies to your situation:
Pub. L. 116-260 No Surprises Act — protects against balance billing by out-of-network providers in emergency and certain other situations.
45 CFR 180 CMS Hospital Price Transparency Rule — requires hospitals to publish standard charges. Use to challenge overbilling.
State charity care laws Most states require hospitals to offer financial assistance programs. We invoke applicable state law.
ACA § 501(r) Nonprofit hospitals must maintain financial assistance policies under penalty of losing tax-exempt status.
Who this isn't for.
We're honest about our limits. FightThis may not be right if:
- The bill is from a physician's practice rather than a hospital facility — physician billing has different leverage points.
- The bill is in collections and you're past the dispute window for the original provider.
- You need debt settlement negotiation rather than billing dispute — that's a different service.
- The amount is under $200 and the time investment outweighs the savings.
If your situation is high-stakes, please find a local attorney. Many state bars have free or low-cost referral services.
Common questions.
Do I negotiate before or after insurance pays?
After. Once your insurance has paid its share (or if you're uninsured), you negotiate your out-of-pocket portion. Our letter identifies which scenario you're in and frames accordingly.
What is a surprise bill?
A surprise bill is when you receive out-of-network charges for emergency care, or from an out-of-network provider at an in-network facility, without prior notice. The No Surprises Act limits what you can legally be charged.
Can I dispute charges for services I did receive?
Yes. If the charges are inflated relative to standard rates, or if the itemized bill contains errors, you have the right to dispute. Our letter requests itemization and challenges specific discrepancies.
What if I simply can't pay?
Nonprofit hospitals receiving federal funding are required to have financial assistance (charity care) programs. We ask about your eligibility and request a formal review.
Will this hurt my credit?
Not if you act quickly. Medical debt under $500 was removed from credit reports in 2023. For larger amounts, a disputed account in active correspondence is less likely to be sent to collections.
What if they send it to collections while I'm disputing?
That's a violation of the Fair Debt Collection Practices Act if the debt is legitimately in dispute. Our follow-up FDCPA letter covers this scenario.
Ready to fight back?
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