Paste the bill — who sent it, what for, where the care happened, what your insurance paid — and your plan type. In a few seconds you get whether the No Surprises Act or Florida's balance-billing law likely protects you, what you should owe instead, and the letter and complaint that make it stop. No account. Nothing stored.
Free — takes 30 seconds
Who sent the bill, the amount, what it was for, where and when the care happened, whether the hospital or facility was in-network, what your insurance paid (from the EOB if you have it), and your plan type.
Why this exists
The anesthesiologist you never met, the ER doctor at the hospital you didn't choose, the helicopter — federal law now limits you to your in-network share. But the bill still arrives, stamped past due, and nobody tells you. This checks it and writes the letter.
How it works
Who billed, how much, where, what insurance paid. Nothing is saved.
Federal or Florida law, what you actually owe — in English or Spanish.
Provider, insurer, and the federal complaint — in the full version.
Plans
The free check tells you whether you're protected and what you owe. The kit writes the provider letter, the insurer letter, the complaints and the collections response.
The provider and insurer letters, the federal and Florida complaint text, a one-page timeline and the collections response. English or Spanish. Printable.
For an HR benefits desk, a union local's member services, a hospital patient advocate or a legal-aid intake that sees these bills every week.
All prices in USD, handled by Stripe. The free check never goes behind a paywall.
Common questions
Since 2022, the federal No Surprises Act bans balance bills for emergency care and for out-of-network providers at an in-network facility, unless you signed a 72-hour advance notice-and-consent (which isn't allowed for emergency, anesthesiology, radiology, pathology, neonatology, assistant surgeons, hospitalists, intensivists, or diagnostic services). Florida's Fla. Stat. 627.64194 also bans balance billing for emergencies and for in-network-facility care you couldn't choose. Paste your bill and we'll tell you whether it appears prohibited — this is not legal advice, so confirm with the CMS No Surprises Help Desk or Florida DFS before you rely on it.
The first look is free and nothing you paste is stored — there's no account. If you want the ready-to-send letter kit for one bill it's $9; HR staff, unions, and patient advocates handling many bills can get the tool for $99/month.
If the No Surprises Act or Florida law applies, you should only owe your in-network cost sharing — the amount that counts toward your in-network deductible, based on your EOB. Paste the bill and your insurance details and we'll show what that figure likely is. This isn't legal advice, so double-check it against your EOB and, if you're unsure, the CMS Help Desk.
Don't ignore the bill and don't let it go to collections — respond in writing before the due date and keep every EOB. Use the provider letter to say you'll pay only in-network cost sharing and ask them to re-bill your insurer, and the insurer letter to ask them to reprocess the claim at in-network cost sharing. If it's not fixed, file with the federal No Surprises Help Desk at 1-800-985-3059, or Florida DFS at 1-877-693-5236 for state-regulated plans.
The No Surprises Act rules here cover employer, marketplace, and individual plans, and don't apply to ground ambulances. For Medicare, a provider who accepts assignment can't balance bill you, and one who doesn't is limited to 15% over the Medicare-approved amount. If you're uninsured, you should have gotten a Good Faith Estimate and can dispute a bill that's $400 or more above it.
Desde 2022, la ley federal No Surprises Act prohíbe las facturas sorpresa por atención de emergencia y por proveedores fuera de la red en un centro que sí está dentro de la red, a menos que usted haya firmado un aviso y consentimiento con 72 horas de anticipación (algo que no se permite en casos de emergencia, anestesiología, radiología, patología, neonatología, cirujanos asistentes, hospitalistas, intensivistas o servicios de diagnóstico). La ley de la Florida, Fla. Stat. 627.64194, también prohíbe la facturación de saldo por emergencias y por atención en un centro dentro de la red que usted no pudo elegir. Pegue su factura y le diremos si parece estar prohibida; esto no es asesoría legal, así que confirme con la Línea de Ayuda de No Surprises de CMS o con el Departamento de Servicios Financieros de la Florida antes de confiar en ello.
La primera revisión es gratuita y nada de lo que usted pegue se guarda; no se necesita crear una cuenta. Si desea el kit de cartas listas para enviar por una factura, cuesta $9; el personal de Recursos Humanos, sindicatos y defensores de pacientes que manejan muchas facturas pueden obtener la herramienta por $99 al mes.
Si aplica la No Surprises Act o la ley de la Florida, usted solo debería pagar el costo compartido dentro de la red, es decir, la cantidad que cuenta para su deducible dentro de la red, según su EOB. Pegue la factura y los datos de su seguro y le mostraremos cuál sería probablemente esa cantidad. Esto no es asesoría legal, así que verifíquelo con su EOB y, si tiene dudas, con la Línea de Ayuda de CMS.
No ignore la factura y no deje que pase a cobranza; responda por escrito antes de la fecha límite y guarde cada EOB. Use la carta para el proveedor indicando que solo pagará el costo compartido dentro de la red y pidiéndole que vuelva a facturar a su aseguradora, y la carta para la aseguradora pidiéndole que reprocese el reclamo con el costo compartido dentro de la red. Si no se resuelve, presente una queja en la Línea de Ayuda federal de No Surprises al 1-800-985-3059, o ante el Departamento de Servicios Financieros de la Florida al 1-877-693-5236 para planes regulados por el estado.
Las reglas de la No Surprises Act que aquí se explican cubren planes de empleador, del mercado e individuales, y no aplican a las ambulancias terrestres. En Medicare, un proveedor que acepta la asignación no puede facturarle el saldo, y uno que no la acepta está limitado a un 15% por encima del monto aprobado por Medicare. Si no tiene seguro, debió haber recibido un Estimado de Buena Fe y puede disputar una factura que sea $400 o más superior a ese estimado.
Built by the same team, free to try.