Holding a bill that doesn't make sense?
You're not alone, and you're allowed to ask questions about your bill.
Medical bills and insurance denials can be confusing and stressful. You have rights, and asking for a clear explanation is a normal, reasonable thing to do. We help you put your questions in writing with a calm, clear letter, the deadlines that apply, and a simple checklist.
Start my letter Read the free guides
About 5 minutes · No account needed · Your answers stay in your browser
Pick what fits your situation
I want to see every charge
Request an itemized bill with each charge and billing code listed.
Something on my bill looks wrong
Dispute duplicate charges, services you didn't get, or insurance that wasn't applied.
I got a surprise out-of-network bill
Use the federal No Surprises Act, including self-pay bills well above your Good Faith Estimate.
My insurance denied a claim
Ask your plan to reconsider with an internal appeal.
They said no again
Ask for an external review by an independent reviewer.
What this is
- Self-help letter templates you fill in yourself
- Plain-language guides that link to official sources
- Deadlines and checklists so nothing slips
What this isn't
- Not legal advice, and we're not a law firm
- Not an insurer, a collection agency, or a government agency
- Not a promise of any particular outcome
Your privacy
Your letter is made right in your web browser. We never see, send, or store your medical information. When you close the tab, what you typed is gone.
How it works
- Answer a few questions. Skip anything you don't know. You can fill it in later.
- Review your letter. Edit any words so it sounds like you.
- Send it and keep a copy. Note the date, and follow the checklist.
Appeals are uncommon, but they're your right. KFF found that HealthCare.gov consumers appealed fewer than 1% of denied in-network claims in 2024 (KFF).
Simple pricing, no surprises
One letter is $24. The full kit is $44. You pay once, with no subscription and no percentage of what you save. If it isn't helpful, email us within 30 days for a full refund. See pricing
Free help that exists
You don't have to pay anyone to get help. These free resources are worth knowing about:
- No Surprises Help Desk: 1-800-985-3059, for surprise bills and Good Faith Estimate questions (CMS.gov).
- State consumer assistance programs: many states have programs that help with insurance questions and appeals (CMS list). HealthCare.gov can also help you find local help.
- Hospital financial assistance: nonprofit hospitals must have a written financial assistance policy (IRS.gov). Ask the billing office for it.
Questions people ask
Is it okay to question a medical bill?
Yes. Asking for an itemized bill or pointing out a mistake is a normal request.
Is this legal advice?
No. These are self-help documents and general information. For advice about your situation, talk with a licensed attorney or your state's consumer assistance program.
Do you store my medical information?
No. The questionnaire runs in your browser and nothing you type is sent to us.
Will this lower my bill or reverse a denial?
We can't promise that. A clear, documented request sent on time gives you the best footing, but the decision belongs to the provider, insurer, or reviewer.
What if I miss a deadline?
Contact the provider or plan anyway and ask what options remain. Our guides explain the main federal deadlines, but your plan or state may differ.
How do I reach you?
Email [email protected]. A person reads every message. Please don't send medical records.