Free scan · Flat $29 letter · No subscription

Most US hospital bills contain errors.Find yours free. Dispute it for $29.

Type in the line items from your hospital bill. A deterministic rule engine plus AI review flags duplicates, unbundled procedure codes, surprise out-of-network charges, and excessive facility fees — citing the federal rule that applies to each finding.

Scan my bill — free →See a sample letter
No account requiredNo bill upload required for the scanEvery finding cites a federal rule412 bills reviewed

What this is — and isn't

What it is

  • A document-preparation tool that produces a formal dispute letter
  • A deterministic rule engine plus AI review of your line items
  • Citations to real federal rules (No Surprises Act, 42 CFR § 180, 26 U.S.C. § 501(r))
  • A one-time flat $29 — no percentage of savings, no subscription

What it isn't

  • A law firm. We do not provide legal advice or represent you
  • A guarantee of any specific outcome — hospital response rates vary
  • An automated submission service — you mail the letter yourself
  • A substitute for talking to your insurer or a patient-advocate nonprofit

How it works

1

Enter your charges

Type the line items from your itemized hospital bill. Description and amount per row. No uploads. No account.

2

Free rule-engine scan

A deterministic engine checks for duplicates, NCCI unbundling, ER level mismatch, NSA violations, and supply markups. AI second-pass for anomalies the rules miss.

3

Pay $29, get the letter

A formal dispute letter (and an escalation appendix) cites the federal rule for each finding, lists the requested actions, and arrives in your inbox as a PDF.

The federal rules every letter cites

Hospitals respond to dispute letters that name the rule, the line item, and the requested remedy. Each Medical Bill Ghost finding is paired to a specific federal citation.

No Surprises Act

42 U.S.C. § 300gg-111

Caps your liability at in-network cost-sharing when an out-of-network provider treats you at an in-network facility — common for anesthesia, radiology, ER physicians.

Hospital Price Transparency Rule

42 CFR § 180

Every US hospital must publish a machine-readable file of its standard charges. If a line item exceeds the published price, you have the right to ask why.

Charity-care obligation

26 U.S.C. § 501(r)

Nonprofit (501(c)(3)) hospitals must maintain and widely publicise a financial-assistance policy before pursuing collection of any patient balance.

HIPAA right to an itemized bill

45 CFR § 164.524

You have the right to receive an itemized statement with billing codes. Without one, you cannot verify what was billed.

Anonymized sample dispute letters

Each represents a real-world scenario the rule engine handles.

See all samples →

Est. overcharge $630

ER level-5 billed for a sprained ankle

Hospital billed a top-tier emergency code (99285) for a routine ankle sprain. Estimated overcharge: $1,000+.

Total bill: $2,400 → Read letter →

Est. overcharge $3,200

Surprise out-of-network anesthesiologist bill

Routine knee surgery at an in-network hospital — but the anesthesiologist was out-of-network and tried to bill $3,200 above the insurer-allowed amount.

Total bill: $3,200 → Read letter →

Est. overcharge $1,442

Duplicate IV start charges

Same IV insertion charged three times for a single visit.

Total bill: $1,850 → Read letter →

Flat-fee pricing. No percentage cut.

Available now

Draft & download

$29 one time

  • ✓ Full dispute letter (PDF)
  • ✓ Pre-written escalation appendix
  • ✓ Cited to the federal rule
  • ✓ 30-day money-back guarantee
Start free scan →
Coming soon

We mail it for you

$99 one time

  • · Everything in $29 tier
  • · Certified mail with USPS tracking
  • · Auto-generated 30-day follow-up
  • · Escalation to state insurance commissioner

Be the first to know when the mail-it tier ships.

How we compare

Honest comparison. Pick what works for your situation.

ToolPriceYou keepDeliveryCoverage
Medical Bill GhostFlat $29Keep 100% of any reductionYou mail it (we draft, certified-mail tier coming)Cites NSA · 42 CFR § 180 · 501(r) · NCCI edits
Goodbill15% of savingsUp to $750+ taken from a $5K reductionNegotiates on your behalf (slower)Negotiation-led; less rule-citation
ResolveFreeKeep 100%No letter generated — guidance onlyEducational; not a dispute artefact
Do it yourself$0Keep 100%Hours of research per disputeDepends entirely on your time

Pricing reflects publicly listed information at the time of writing.

Frequently asked questions

How common are errors on hospital bills?▾

Independent reviews repeatedly find that the majority of itemised hospital bills contain at least one error — duplicate charges, unbundled procedure codes, supply markups, or facility fees that exceed published standard charges.

What federal rules protect me?▾

The No Surprises Act (42 U.S.C. § 300gg-111), the Hospital Price Transparency Rule (42 CFR § 180), the charity-care requirement for nonprofit hospitals (26 U.S.C. § 501(r)), and your HIPAA right to an itemised bill (45 CFR § 164.524). Every letter the tool generates cites the rules that apply to your specific findings.

Will the hospital actually respond?▾

Response rates vary by hospital, finding type, and how complete your record is. A formal letter that cites the rule, identifies the line item, and requests specific actions within 30 days dramatically outperforms an informal phone call. We do not guarantee any specific outcome.

Is this a law firm?▾

No. Medical Bill Ghost is a document-preparation tool. We do not represent you, we do not provide legal advice, and we cannot file complaints on your behalf. You retain full control of the letter and choose whether and how to send it.

Can I dispute a medical bill already in collections?▾

Yes — medical debt sent to collections can still be disputed. You have the right under HIPAA to request itemised billing, and disputed items reported to credit bureaus can be challenged under the FCRA. Acting quickly preserves more options.

What is an itemized bill and how do I get one?▾

An itemized bill lists every charge with its CPT/HCPCS billing code. Hospitals are required to provide one upon request, typically within 30 days. The tool works best when you have the itemized version.

What if I am uninsured?▾

Uninsured and self-pay patients have additional rights. Most US hospitals are 501(c)(3) nonprofits required by 26 U.S.C. § 501(r) to maintain a financial-assistance policy. The letter the tool generates for uninsured visits includes a formal request for the financial-assistance application and a request to pause collection activity.

Why $29 instead of a percentage?▾

Percentage-of-savings models punish you for a successful dispute. A flat $29 means the same price whether the hospital reduces your bill by $50 or $5,000. Many of our sample scenarios show overcharges in the thousands.

Free scan — start now

No account. No bill upload required. Pay only if you want the letter.

🏥

Medical Bill Ghost

Free AI scan · $29 to get your dispute letter

← All tools

80% of hospital bills contain errors

Enter your charges below — our AI will identify duplicates, unbundled procedures, and charges inconsistent with your treatment. The scan is free. Pay $29 only if you want the formal dispute letter sent to your inbox.

Tip: Take a photo of your bill and type in the line items below. You only need the description and amount for each charge.

✓30-day money-back guarantee

Your visit

Itemized charges from your bill

Type what you see on the bill
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No payment required for the scan. You decide whether to generate the letter.

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