Honest comparison
Medical Bill Ghost vs Goodbill vs Resolve vs DIY
Pricing, delivery, and coverage at a glance. Pick what matches your situation.
Medical Bill Ghost
- Pricing
- Flat $29 per letter
- No subscription, no percentage cut
- You keep
- 100% of any reduction
- Delivery
- You mail the letter (we draft it)
- $99 we-mail-it tier coming
- Coverage
- Rule engine + AI · NSA, NCCI, 42 CFR § 180, 501(r), HIPAA, EOB-mismatch
- Best for
- Patients who want a fast, low-cost, rule-cited dispute artefact
Goodbill
- Pricing
- 15% of the negotiated savings
- On a $5K reduction, $750+ goes to Goodbill
- You keep
- 85% of the reduction
- Delivery
- Goodbill negotiates on your behalf
- Slower; opaque process
- Coverage
- Negotiation-led; cites rules selectively
- Best for
- Patients who do not want to mail anything themselves and accept the percentage cut
Resolve
- Pricing
- Free
- Sells your data / upsells other services
- You keep
- 100%
- Delivery
- No letter generated
- Guidance and templates only
- Coverage
- Educational; not a dispute artefact
- Best for
- Patients comfortable assembling their own dispute letter from scratch
Do it yourself
- Pricing
- $0
- Cost is time and uncertainty
- You keep
- 100%
- Delivery
- You write and mail the letter
- Hours of research per dispute
- Coverage
- Depends entirely on your time
- Best for
- Patients with the time, patience, and confidence to navigate CMS guidance themselves
What this is: A document-preparation tool that helps you write a formal billing-dispute letter citing the federal rules that apply to your bill. What this isn't: A law firm. We do not provide legal advice, do not represent you, and cannot guarantee any specific outcome. You retain full control of whether and how to send the letter.
Pricing reflects publicly listed information at the time of writing. Competitors' offerings change frequently — verify directly before deciding.
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If nothing flags, you pay nothing. If something does, $29 flat gets you the formal dispute letter.
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