Know what to ask.
Have it ready to send.

No. We help you put a clear, professional request in writing. What happens after that depends on your provider and situation. We can't promise any particular outcome, but hospitals do work with patients regularly — many people just never ask.

No. TestMyBill helps you prepare letters and scripts to send to your provider or insurer. It is not legal, medical, or financial advice. For anything complex, talk to a patient advocate or attorney.

You can — but you'd still have to figure out what to ask for, review the bill yourself, and turn a chat reply into something you can actually send. And your medical bill is sensitive health and billing information: how a general-purpose chatbot stores, reviews, or trains on what you paste depends on the product, your plan, and your settings.

TestMyBill is built for exactly one job, and its protections are fixed by contract rather than left to your settings: your bill is processed exclusively through HIPAA Business Associate Agreement-covered infrastructure, is never used to train any AI model (our AI processor is contractually prohibited from doing so), is never sold or used for marketing, and is automatically and permanently deleted from our systems within 24 hours (the processors that handle it may hold inputs briefly under their own contractual retention terms).

You also get a complete deliverable — a bill review with flagged issues, a send-ready letter for your exact situation, and a matching phone script with objection handling — not a chat transcript.

Your bill is only used to create your documents. It's processed through services covered by a Business Associate Agreement and deleted from our systems within 24 hours. Those processors may hold inputs briefly under their own contractual retention terms. We never sell your information or use it for marketing.

TestMyBill works best with bills from U.S. hospitals, clinics, physician groups, labs, and imaging centers — itemized or summary, uploaded as a PDF or photos.

If all you have is an EOB (Explanation of Benefits) from your insurer, that's a statement, not a bill — to get the actual bill, call the provider's billing office with your date of service and account or claim number (both are on the EOB) and ask them to send an itemized bill; they're routinely requested and usually arrive within a couple of weeks. If your claim was denied, keep the EOB handy for an insurance appeal — the denial reason, claim number, and amounts it needs live on the EOB itself, but you'll enter those manually rather than upload the EOB (we don't accept EOBs or denial letters as uploads, since neither is a bill; upload lets you know and points you to manual entry).

Medicare, Medicaid, VA, and workers'-comp disputes run through their own government processes that our letters don't target. Dental, vision, ambulance, and collections balances generally do work — hardship, payment-plan, settlement, and collection-hold requests apply to most provider bills. And if we can't read your document, you can always enter the details manually.

You can enter your billing details manually — just provider name, amount, and a few key details. Many of our letter types don't require a full bill copy.

Your bill review is free — you see every finding, labeled by how strongly your bill supports it, before you pay anything. The $19 covers the documents that act on it: a personalized letter, a matching phone script with a call checklist, prepared responses to common pushback, a form for logging the call, and a follow-up email template. Everything downloads as a PDF. One-time payment, no subscription.

Because most of this gets handled by phone. In one study of people who contacted a billing office about a problem bill, about 87% did it by phone rather than in writing (JAMA Health Forum, 2024). A letter is the right paper trail, but if you end up calling — and most people do — you want to know what to say, what to ask, and how to answer when they push back. That is what the Call Kit is for.

TestMyBill does not label your letter as AI-generated. Your documents are written as patient correspondence, using the information you provide, and reference the actual billing processes, standard rights, and specific details from your bill. You review everything before you send it.