What MedBillCheckup is
A document analysis tool. It reads a medical bill on your device, pulls out the charges, checks whether the numbers are internally consistent, and explains what it found in plain language along with questions you could ask. From answers you choose to give, its money checks also look for a payment above your share, a bill showing more than the amount you type from your insurer's Explanation of Benefits (EOB), a share above your plan's yearly out-of-pocket maximum and a possible surprise bill. The bill file never leaves your device; only the figures read from it are sent when you ask for the free preview or the findings, and nothing is stored on our side.
With the full list, it also builds a call guide: the questions to ask, the requests to make, and what to ask next if the billing office answers in a common way. These are questions and requests built from the findings. They are general information, not legal advice.
With Pro, Ask about your bill answers questions you type about a bill. A small language model on your device only matches your question to answers we wrote; it does not write answers or judge the bill. When no question we prepared is close enough to yours, it says it has no verified answer; a close question can still mean something else, so check that the topic shown matches your question. The answers come from your full list and the sources they name. They are general information, not medical, legal or financial advice.
What MedBillCheckup is not
It is not a doctor, a hospital, an insurer, a lawyer, a debt collector, a claims adjuster, or a medical diagnosis system.
It does not:
- diagnose conditions or interpret your medical care;
- determine whether treatment was medically necessary;
- determine your legal rights or give legal advice;
- determine what your insurance covers or should pay;
- determine whether a charge is correct, incorrect, fraudulent or illegal;
- determine what you owe;
- guarantee that anything worth questioning exists or will be found;
- guarantee a refund, a reduction, or any other outcome;
- replace a doctor, a lawyer, an insurance professional, or a certified medical billing specialist.
What a finding means
A finding means: given only what is printed on the document you opened, this is something a person might reasonably want to ask about.
It does not mean a mistake was made. Many findings have entirely ordinary explanations: a facility fee and a professional fee for the same service, a daily charge billed per day, a claim still being processed. That is why every finding tells you what to verify rather than what to conclude.
A reference figure shown with a finding or a charge, such as what pharmacies paid on average for a medicine or a Medicare amount, is not what you owe.
Confidence
Each finding carries a confidence level. It reflects how strong the signal is and how legibly we could read the values involved. It is a measure of how sure we are about what the document says, not about whether the bill is right. When pages of a bill appear to have been missed, the check that the line items add up to the total is left out for that reading, because the missing pages would make the sum look wrong.
What to do with the results
Use them as preparation for a conversation. Take the report to your provider's billing department, ask the questions, and get their explanation. If something remains unresolved and money is at stake, speak to a qualified professional.
The deadlines, rules and official contacts shown with the results and in our guides are general information from the sources named with them, not legal advice. Your own notice or plan documents set your actual dates and rules.
The same goes for the dates worked out under "Next steps and dates" from a date you type: they count from that date with the rule cited, and cannot know your insurer's or provider's own rules.
How to send a letter and what each way costs are general information from the sources named with them. Prices change: the post office sets the price you pay.
A letter may ask the office to note the charges as under review and to hold the account from collections while it answers. That is a request: only the provider or the collector decides.
The letter to a collection agency is based on the CFPB's sample letters and says only what you tick. It is general information, not legal advice, and sending it does not cancel a debt.
The letter asking a health plan for its claim file names the federal rule for the kind of plan you choose (none if you are not sure), from the texts linked on its page. It asks for documents and is not an appeal: your plan's notice and documents set your date to appeal and the rules that apply to you. The medical bill dispute letter asks questions and quotes no law. Both are general information, not legal advice.
Version 2.6, effective 2026-11-08