About

About

A free, plain-language library of letters for questioning, appealing, and lowering medical bills.

Medical bills are confusing on purpose-feeling: hard to read, often wrong, and never accompanied by instructions for pushing back. The result is that most people pay whatever number arrives. This site collects the letters that actually move a bill — itemized-bill requests, billing-error and coding disputes, insurance internal and external appeals, No Surprises Act and balance-billing disputes, hospital financial assistance and payment plans, and responses to medical collections — each with what to attach, the deadline to watch, and the rule it relies on.

Every letter is a starting template, written to be edited. Where a federal rule applies (for example the No Surprises Act $400 Good Faith Estimate threshold, or 501(r) nonprofit hospital financial-assistance obligations), the guide says so and links the idea to the law; where rules vary by state, plan, or hospital, it says that too. Nothing here is legal, tax, or medical advice, and using a template creates no professional relationship.

For help specific to your situation, free resources exist: nonprofit patient advocates and medical-bill charities, your state's insurance department or attorney general, and Legal Aid. For complex or high-dollar disputes, talk to a licensed attorney.