Check your medical bill. You may owe less, or get money back.

A tool that goes through a medical bill line by line, so you know what you’re paying for. With MedBillCheckup you take a photo of the bill or open the PDF and it is read for you, even a long itemized hospital bill, with no typing. It lays out every charge, explains the billing words and codes on it, checks the totals and dates, looks for repeated charges and everyday medicines priced far above retail, and gives you the questions to ask your provider.

No. It also looks for repeated charges and codes, everyday medicines such as acetaminophen (Tylenol) priced far above retail, drug and supply units above what Medicare usually expects, and routine supplies billed on their own. Optional money checks look for a payment above your share, a bill above the amount you type from your EOB, a share above your yearly maximum, and possible surprise bills.

No checker can say that a charge is a mistake: only the provider can confirm a charge, and only your insurer can confirm how a claim was processed. It finds the lines worth asking about, such as the same charge listed twice, totals that don’t add up or an amount due above your EOB. The free check names the first one and why; the full list, with the question to ask for each, is paid.

Reading your bill is free, with no account, and so is seeing how many things are worth asking about, and which comes first and why. The full list is $6.99 for one bill, or included with Pro at $9.99 a month. If nothing is worth asking about, you know before you pay anything.

Your own browser reads the bill, and the bill file stays on your device. To run the checks, we receive the charges (with their descriptions, codes, dates and amounts, and who billed them when that is an organization), the bill’s totals and dates, and any answers you give to the money questions. Your name, address and account numbers are removed wherever your browser recognizes them, and nothing is kept.

No. Your own browser reads the bill, and the bill file is never uploaded. For the checks, the charges, the bill’s totals and dates and any answers to the money questions go to our server, which checks them in memory and keeps nothing. On your device, a text-recognition model only turns a photo into text; the checks are fixed, written rules, not an AI model, and each thing worth asking about comes with its reason. It never says a charge is wrong: only your provider or insurer can confirm that.

Yes, in Billing, whenever you like. You keep Pro until the end of the period you already paid for, and nothing renews after that.

HIPAA covers health plans, health care clearinghouses, and doctors, hospitals and other providers that bill insurance electronically, plus the companies that handle patient records for them. A tool you use yourself on your own bill is none of these. Your bill file never reaches us, and the figures sent for the checks are not kept, so there is no copy of your bill for us to store.

Yes. The paid full list gives the question to ask and a call guide for each thing it finds, a letter for the billing office, and a PDF report with a call log. Free: a record on your device of what they said, a calendar reminder, letters confirming a call or asking a second time, and our guide What to do if the billing office says no. You make the call and send the letter.

Your results show the usual next official step for situations like yours, the usual deadline rule and where to go: a written request, your insurer’s appeal, the federal dispute process for self-pay patients, financial assistance, or a written dispute to a collection agency. Each step names its source. Your notice sets your actual date. Our free guide, What to do if the billing office says no, has every step. We never contact anyone for you, and nobody can promise the result.

Yes. Our free financial assistance letter asks the hospital for its policy and application form. For a nonprofit hospital, What to do if the billing office says no gives the federal application period: at least 240 days from the first bill sent after you left.

No. MedBillCheckup cannot judge that: your provider and your insurer decide, and some denials can go to an independent external review. Ask the provider for the records of the visit and the reason for the service, and your insurer for the reason for a denial, in writing.

No. It never asks for an insurer login, so your claims and plan documents stay with your insurer. For the optional money checks, you type a few figures from your Explanation of Benefits (EOB).

Ask the provider for an itemized bill. You have a right to see your billing records, and Medicare patients can ask for an itemized statement in writing. Our free itemized bill letter writes the request for you.