See what's wrong with your bill.
Then put the right request in writing.
Upload your bill and we'll flag possible errors and charges worth a closer look. You get a personalized letter to send and a matching phone script to use if you call — ready in a few minutes.
For $19 you get all five:
No account required · HIPAA-conscious, BAA-backed processing · Your data is deleted within 24 hours
From overwhelmed to ready to act
Four steps. Under three minutes.
Upload & get a read on your bill
Upload a photo or PDF (or enter details manually). We pull out every charge and flag duplicates, math inconsistencies, and other charges that deserve a closer look — so you see what you're actually paying for.
Pick from 10 request types
Itemized-bill requests, error disputes, hardship and charity care, insurance appeals, surprise-bill challenges, settlements, payment plans, and more. We help you pick the right one.
Answer a few questions
We ask only what matters: your situation, the amount in question, and any relevant context. Takes about 2 minutes.
Download your Action Packet
Your letter is ready to mail or email. You also get a phone script with a call checklist and sample responses to common pushback — so you're ready to write or call.
10 ways to take action
We help you pick the right one. Each addresses a different part of the process.
Itemized Bill Request
Request a complete line-by-line breakdown of every charge — the safest first step, and one that frequently uncovers duplicates and incorrect codes.
Financial Hardship Assistance
Tax-exempt hospitals are required to maintain written financial assistance policies — and many other providers offer hardship programs too. Most patients never apply.
Insurance Appeal
Ask for a second look at a denied claim. You can challenge the decision in writing, and many people don't realize they have the right to do so.
Settlement / Reduction
Offer a lump sum to close the account. Providers often accept less than the full balance, especially on older or overdue accounts.
Payment Plan Request
Request an interest-free monthly arrangement that fits your budget — and avoid having the account sent to collections.
Billing Error Dispute
Formally challenge duplicate charges, incorrect coding, wrong-patient charges, or services you never received.
Good Faith Estimate Dispute
If you were uninsured or chose not to use insurance, a federal dispute process may apply when the final bill is at least $400 over your written Good Faith Estimate.
Surprise Out-of-Network Bill
Challenge unexpected out-of-network charges you never agreed to, using federal balance-billing protections.
Collection Hold Request
Ask the provider or agency to pause collection activity while a dispute or assistance application is under review.
Charity Care Eligibility
Request a formal evaluation under a nonprofit hospital’s required charity care policy — something many patients never know exists.
What's at stake
Sources: * KFF, U.S. Statistics on Surprise Medical Billing · ** JAMA Health Forum (2024)
Common mistakes that cost patients thousands
These aren't rare edge cases — they're the default for most patients, and each one quietly leaves money on the table.
Most providers won't volunteer these options. You have to ask.
TestMyBill checks your bill for these issues and creates a letter to help you address them.
Read the full guide: 7 mistakes before paying a medical bill →
Frequently asked questions
Does this guarantee my bill will be reduced?
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 — most people just never ask.
Is this legal or medical advice?
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.
Why not just use ChatGPT, Claude, or Gemini for this?
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, with guarantees we control: your bill is processed exclusively through HIPAA Business Associate Agreement-covered infrastructure, is never used to train any AI model, is never sold or used for marketing, and is automatically and permanently deleted within 24 hours. 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.
What happens to my bill and medical information?
Your bill is only used to create your documents. It's processed through services covered by a Business Associate Agreement and deleted within 24 hours. We never sell your information or use it for marketing.
What kinds of bills does this work with?
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. That said, an EOB is still worth uploading in one case: insurance appeals. The denial reason, claim number, and amounts the appeal needs to cite live on the EOB itself. 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.
What if I don't have a copy of my bill?
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.
What does the $19 cover?
A review of your bill with possible errors flagged for your review, plus a personalized letter and a matching phone script. The phone script includes a call checklist, sample 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.
Will the hospital or insurer know I used AI?
No. The letters read like patient correspondence, not AI output. They reference the actual billing processes, standard rights, and the specific details from your bill.
How we handle your information
Your bill is only used to create your documents, processed through services covered by a HIPAA Business Associate Agreement, and deleted within 24 hours. We don't sell your data. We don't use your medical information for advertising. And nothing here is kept beyond 24 hours or used to train AI models — guarantees a general-purpose chatbot may not make. This tool is here to help you — that's it.
You deserve a fair bill.
Most people don't know what to ask for, or how to ask it. For $19, you get the letter and the phone script — ready to use however you prefer to reach out.
Get My Action Packet — $19No account needed · BAA-backed processing · Deleted within 24 hours