How does the 30% fee work? +
Simple: if your bill is $10,000 and we get it reduced to $6,000, we saved you $4,000. You pay us 30% of that ($1,200) and keep the other $2,800 in savings. If we don't reduce your bill, you owe us nothing — not even for our time.
What types of bills can you help with? +
Hospital stays, ER visits, surgeries, outpatient procedures, specialist bills, lab work, and imaging. We work best on bills over $1,000 where there's meaningful room to negotiate. We can also help with bills that have already gone to collections.
Do I need to have insurance? +
No. We work with both insured and uninsured patients. Uninsured patients often have the most to gain — hospitals are typically willing to negotiate significantly when there's no insurance involved. We can often get uninsured patients the same rates as major insurers.
How long does the process take? +
Most cases are resolved in 2–6 weeks. Straightforward billing errors can be corrected in as little as 1–2 weeks. Complex cases involving insurance disputes may take longer. We'll give you a realistic timeline after reviewing your bill.
Is my medical information safe? +
Yes. We handle all medical information in compliance with HIPAA. Your information is never sold or shared with third parties. We only use it to audit and negotiate your specific bill.
What if my bill is already in collections? +
We can still help. Bills in collections are often the most negotiable — debt collectors purchase bills at pennies on the dollar and have significant room to settle. Contact us and we'll assess your situation.