We have not yet read Arkansas’s own laws on hospital bills; this page covers each hospital’s own policy and the federal rules for nonprofit hospitals.
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88 Arkansas hospitals, by town.
Nonprofit and government hospitals
Baptist Health Medical Center-Arkadelphia
Arkadelphia, Clark County · Nonprofit, critical access
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Little River Memorial Hospital
Ashdown, Little River County · Nonprofit, critical access
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Valley Behavioral Health
Barling, Sebastian County · Nonprofit, psychiatric
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
White River Medical Center
Batesville, Independence County · Nonprofit, general acute care · White River Health
- Free care
- Up to 150% of the federal poverty guidelines: about $49,500 a year for a family of four in 2026.
The policy says
“If your family income is at or below 150% of the current Federal Poverty Guidelines, you may qualify for free care (a 100% discount).”
Read on this document, 2026-11-09.
- Discounts
- Up to 300% of the federal poverty guidelines: about $99,000 a year for a family of four in 2026.
The policy says
“If your family income is between 151% and 300% of the Federal Poverty Guidelines, you may qualify for a partial discount.”
Read on this document, 2026-11-09.
Mercy Hospital Berryville
Berryville, Carroll County · Nonprofit, critical access · Mercy
- Free care
- Up to 200% of the federal poverty guidelines: about $66,000 a year for a family of four in 2026.
The policy says
“The same criterion will be used: the FPL is 200% or lower and their ability to pay is low which will identify the patient as eligible for a 100% charity adjustment to that individual encounter”
Read on this document, 2026-11-09.
- Timing
- 240 days
The policy says
“If approved, patient will receive the appropriate financial discount on eligible services that were first billed to the patient in the prior 240 days from the date a completed application is submitted to Mercy.”
Read on this document, 2026-11-09.
Financial assistance policyPlain language summaryApplication
Great River Medical Center
Blytheville, Mississippi County · Government, general acute care
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Mercy Hospital Booneville
Booneville, Logan County · Nonprofit, critical access · Mercy
- Free care
- Up to 200% of the federal poverty guidelines: about $66,000 a year for a family of four in 2026.
The policy says
“The same criterion will be used: the FPL is 200% or lower and their ability to pay is low which will identify the patient as eligible for a 100% charity adjustment to that individual encounter”
Read on this document, 2026-11-09.
- Timing
- 240 days
The policy says
“If approved, patient will receive the appropriate financial discount on eligible services that were first billed to the patient in the prior 240 days from the date a completed application is submitted to Mercy.”
Read on this document, 2026-11-09.
Financial assistance policyPlain language summaryApplication
Izard Regional Hospital
Calico Rock, Baxter County · Nonprofit, critical access
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Ouachita County Medical Center
Camden, Ouachita County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Johnson Regional Medical Center
Clarksville, Johnson County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Ozark Health
Clinton, Van Buren County · Nonprofit, critical access
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Baptist Health Medical Center- Conway
Conway, Faulkner County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Conway Regional Medical Center
Conway, Faulkner County · Nonprofit, general acute care · Conway Regional Health System
- Free care
- Up to 225% of the federal poverty guidelines: about $74,250 a year for a family of four in 2026.
The policy says
“If the family income is at or below 225% of said guidelines, the account is discounted 100% and notification is sent to the patient or representative.”
Read on this document, 2026-11-09.
- Discounts
- Up to 300% of the federal poverty guidelines: about $99,000 a year for a family of four in 2026.
The policy says
“Eligibility for reduced compensation services is limited to persons whose verifiable income is greater than 225% of the current poverty income guidelines but not greater than 300% of the current poverty income guidelines as established by the Department of Health and Human Services.”
Read on this document, 2026-11-09.
Financial assistance policyPlain language summaryApplication
Ashley County Medical Center
Crossett, Ashley County · Nonprofit, critical access
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Chambers Memorial Hospital
Danville, Yell County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Dardanelle Regional Medical Center
Dardanelle, Yell County · Government, critical access
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Sevier County Medical Center
De Queen, Sevier County · Government, critical access
- Free care
- Up to 225% of the federal poverty guidelines: about $74,250 a year for a family of four in 2026.
The policy says
“The hospital bill may be discounted up to 100% if the qualified patient's income does not exceed 225% of the FPG (family unit adjusted).”
Read on this document, 2026-11-09.
- Timing
- 240 days after first post-discharge billing statement
The policy says
“The application begins on the date the care was provided and ends on the later of the 240th day after the date that the first post- discharge billing statement for the care is provided.”
Read on this document, 2026-11-09.
Dewitt Hospital & Nursing Home
De Witt, Arkansas County · Nonprofit, rural emergency
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Delta Memorial Hospital
Dumas, Desha County · Nonprofit, critical access
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Eureka Springs Hospital
Eureka Springs, Carroll County · Government, rural emergency
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Washington Regional Medical Center
Fayetteville, Washington County · Nonprofit, general acute care · Washington Regional Medical System
- Free care
- Up to 138% of the federal poverty guidelines: about $45,540 a year for a family of four in 2026.
The policy says
“The minimum criteria for full financial assistance (i.e., 100% write off) will be households whose income is equal to or less than 138% of the most recent FPG.”
Read on this document, 2026-11-09.
- Discounts
- Up to 200% of the federal poverty guidelines: about $66,000 a year for a family of four in 2026.
The policy says
“Patients whose household income falls between 151% and 200% of the FPG will be eligible for a partial discount up to 75% of the amounts generally billed.”
Read on this document, 2026-11-09.
- Timing
- 240 days from the first post-discharge billing statement
The policy says
“Applications for financial assistance will be accepted for a period of 240 days from and after the date of the first billing statement sent to the patient, regardless of whether the account has been referred for collection.”
Read on this document, 2026-11-09.
Financial assistance policyPlain language summaryApplication
Dallas County Medical Center
Fordyce, Dallas County · Government, critical access
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Baptist Health - Fort Smith
Fort Smith, Sebastian County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Mercy Hospital Fort Smith
Fort Smith, Sebastian County · Nonprofit, general acute care · Mercy
- Free care
- Up to 200% of the federal poverty guidelines: about $66,000 a year for a family of four in 2026.
The policy says
“The same criterion will be used: the FPL is 200% or lower and their ability to pay is low which will identify the patient as eligible for a 100% charity adjustment to that individual encounter”
Read on this document, 2026-11-09.
- Timing
- 240 days
The policy says
“If approved, patient will receive the appropriate financial discount on eligible services that were first billed to the patient in the prior 240 days from the date a completed application is submitted to Mercy.”
Read on this document, 2026-11-09.
Financial assistance policyPlain language summaryApplication
Ozarks Community Hospital
Gravette, Benton County · Nonprofit, critical access
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
North Arkansas Regional Medical Center
Harrison, Boone County · Nonprofit, general acute care
- Free care
- Up to 138% of the federal poverty guidelines: about $45,540 a year for a family of four in 2026.
The policy says
“5.1 Patients who are determined to be financially indigent with a net household income of 0% to 138% of the Federal Poverty Guidelines, as updated by the U.S. Department of Health and Human Services, may be eligible for a financial assistance discount of 100%.”
Read on this document, 2026-11-09.
- Discounts
- Up to 200% of the federal poverty guidelines: about $66,000 a year for a family of four in 2026.
The policy says
“5.2 Patients who are determined to be financially indigent with a net household income of 138% to 200% of the Federal Poverty Guidelines may qualify for a financial assistance discount of 50% of AGB.”
Read on this document, 2026-11-09.
- Timing
- 240 days from the first statement
The policy says
“Patients may request financial assistance up to 240 days from the date of the patient’s first statement.”
Read on this document, 2026-11-09.
Financial assistance policyPlain language summaryApplication
Baptist Health Medical Center Heber Springs
Heber Springs, Cleburne County · Nonprofit, critical access
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
CHI St. Vincent Hot Springs
Hot Springs, Garland County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Levi Hospital
Hot Springs, Garland County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Unity Health - Jacksonville
Jacksonville, Pulaski County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (its website did not open for us). Ask the billing office for the policy and the application.
NEA Baptist Hospital
Jonesboro, Craighead County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
St Bernards Medical Center
Jonesboro, Craighead County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (its website did not open for us). Ask the billing office for the policy and the application.
Chicot Memorial Medical Center
Lake Village, Chicot County · Nonprofit, critical access
We could not read its financial assistance policy on 2026-11-09 (its website did not open for us). Ask the billing office for the policy and the application.
Arkansas Children's Hospital
Little Rock, Pulaski County · Nonprofit, childrens · Arkansas Children's
Financial assistance policyPlain language summaryApplication
Arkansas State Hospital
Little Rock, Pulaski County · Government, psychiatric
We could not read its financial assistance policy on 2026-11-09 (its website did not open for us). Ask the billing office for the policy and the application.
Baptist Health Medical Center-Little Rock
Little Rock, Pulaski County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
CHI St. Vincent Infirmary
Little Rock, Pulaski County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
UAMS Health
Little Rock, Pulaski County · Government, general acute care
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Baptist Health Medical Center-Hot Springs County
Malvern, Hot Spring County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
United Methodist Behavioral Hospital
Maumelle, Pulaski County · Nonprofit, psychiatric
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Mcgehee Hospital
Mcgehee, Desha County · Nonprofit, critical access
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Mena Regional Health System
Mena, Polk County · Nonprofit, critical access
Baptist Health Medical Center-Drew County
Monticello, Drew County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
CHI St. Vincent Morrilton
Morrilton, Conway County · Nonprofit, critical access
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Baxter Health
Mountain Home, Baxter County · Nonprofit, general acute care · Baxter Health
Stone County Medical Center
Mountain View, Stone County · Nonprofit, critical access · White River Health
- Free care
- Up to 150% of the federal poverty guidelines: about $49,500 a year for a family of four in 2026.
The policy says
“If your family income is at or below 150% of the current Federal Poverty Guidelines, you may qualify for free care (a 100% discount).”
Read on this document, 2026-11-09.
- Discounts
- Up to 300% of the federal poverty guidelines: about $99,000 a year for a family of four in 2026.
The policy says
“If your family income is between 151% and 300% of the Federal Poverty Guidelines, you may qualify for a partial discount.”
Read on this document, 2026-11-09.
Howard Memorial Hospital
Nashville, Howard County · Nonprofit, critical access
- Free care
- Up to 100% of the federal poverty guidelines: about $33,000 a year for a family of four in 2026.
The policy says
“For example, individuals with incomes below 100% of the Federal Poverty Guidelines may be eligible for free care.”
Read on this document, 2026-11-09.
Unity Health - Newport
Newport, Jackson County · Government, critical access
We could not read its financial assistance policy on 2026-11-09 (its website did not open for us). Ask the billing office for the policy and the application.
Baptist Health Medical Center North Little Rock
North Little Rock, Pulaski County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
South Mississippi County Regional Medical Center
Osceola, Mississippi County · Government, rural emergency
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Mercy Hospital Ozark
Ozark, Franklin County · Nonprofit, critical access · Mercy
- Free care
- Up to 200% of the federal poverty guidelines: about $66,000 a year for a family of four in 2026.
The policy says
“The same criterion will be used: the FPL is 200% or lower and their ability to pay is low which will identify the patient as eligible for a 100% charity adjustment to that individual encounter”
Read on this document, 2026-11-09.
- Timing
- 240 days
The policy says
“If approved, patient will receive the appropriate financial discount on eligible services that were first billed to the patient in the prior 240 days from the date a completed application is submitted to Mercy.”
Read on this document, 2026-11-09.
Financial assistance policyPlain language summaryApplication
Arkansas Methodist Medical Center
Paragould, Greene County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Mercy Hospital Paris
Paris, Logan County · Nonprofit, critical access · Mercy
- Free care
- Up to 200% of the federal poverty guidelines: about $66,000 a year for a family of four in 2026.
The policy says
“The same criterion will be used: the FPL is 200% or lower and their ability to pay is low which will identify the patient as eligible for a 100% charity adjustment to that individual encounter”
Read on this document, 2026-11-09.
- Timing
- 240 days
The policy says
“If approved, patient will receive the appropriate financial discount on eligible services that were first billed to the patient in the prior 240 days from the date a completed application is submitted to Mercy.”
Read on this document, 2026-11-09.
Financial assistance policyPlain language summaryApplication
Piggott Community Hospital
Piggott, Clay County · Government, critical access
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Jefferson Regional Medical Center
Pine Bluff, Jefferson County · Nonprofit, general acute care
Financial assistance policyPlain language summaryApplication
St Bernards Five Rivers Medical Center
Pocahontas, Randolph County · Nonprofit, rural emergency
We could not read its financial assistance policy on 2026-11-09 (its website did not open for us). Ask the billing office for the policy and the application.
Mercy Hospital Northwest Arkansas
Rogers, Benton County · Nonprofit, general acute care · Mercy
- Free care
- Up to 200% of the federal poverty guidelines: about $66,000 a year for a family of four in 2026.
The policy says
“The same criterion will be used: the FPL is 200% or lower and their ability to pay is low which will identify the patient as eligible for a 100% charity adjustment to that individual encounter”
Read on this document, 2026-11-09.
- Timing
- 240 days
The policy says
“If approved, patient will receive the appropriate financial discount on eligible services that were first billed to the patient in the prior 240 days from the date a completed application is submitted to Mercy.”
Read on this document, 2026-11-09.
Financial assistance policyPlain language summaryApplication
Baxter Health Fulton County Hospital
Salem, Fulton County · Government, critical access
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
White County Medical Center
Searcy, White County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (its website did not open for us). Ask the billing office for the policy and the application.
CHI St. Vincent North
Sherwood, Pulaski County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Arkansas Children's Northwest
Springdale, Washington County · Nonprofit, childrens · Arkansas Children's
Financial assistance policyPlain language summaryApplication
Baptist Health Medical Center-Stuttgart
Stuttgart, Arkansas County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Baptist Health - Van Buren
Van Buren, Crawford County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Mercy Hospital Waldron
Waldron, Scott County · Nonprofit, critical access · Mercy
- Free care
- Up to 200% of the federal poverty guidelines: about $66,000 a year for a family of four in 2026.
The policy says
“The same criterion will be used: the FPL is 200% or lower and their ability to pay is low which will identify the patient as eligible for a 100% charity adjustment to that individual encounter”
Read on this document, 2026-11-09.
- Timing
- 240 days
The policy says
“If approved, patient will receive the appropriate financial discount on eligible services that were first billed to the patient in the prior 240 days from the date a completed application is submitted to Mercy.”
Read on this document, 2026-11-09.
Financial assistance policyPlain language summaryApplication
Lawrence Memorial Hospital
Walnut Ridge, Lawrence County · Nonprofit, critical access
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Bradley County Medical Center
Warren, Bradley County · Nonprofit, critical access
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Baptist Memorial Hospital-Crittenden
West Memphis, Crittenden County · Nonprofit, general acute care
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Perimeter Behavioral Hospital of West Memphis
West Memphis, Crittenden County · Nonprofit, psychiatric
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
Crossridge Community Hospital
Wynne, Cross County · Nonprofit, critical access
We could not read its financial assistance policy on 2026-11-09 (we found no policy). Ask the billing office for the policy and the application.
For-profit hospitals
The federal rules for nonprofit hospitals do not apply to a for-profit hospital. Ask whether it has a financial assistance or charity care policy.
Rivendell Behavioral Health Services
Benton, Saline County · For-profit, psychiatric
Ask whether it has a financial assistance or charity care policy.
Saline Memorial Hospital
Benton, Saline County · For-profit, general acute care
Ask whether it has a financial assistance or charity care policy.
Arkansas Heart Hospital-Encore
Bryant, Saline County · For-profit, general acute care
Ask whether it has a financial assistance or charity care policy.
Conway Behavioral Health
Conway, Faulkner County · For-profit, psychiatric
Ask whether it has a financial assistance or charity care policy.
South Arkansas Regional Hospital
El Dorado, Union County · For-profit, general acute care
Ask whether it has a financial assistance or charity care policy.
Springwoods Behavioral Health Services
Fayetteville, Washington County · For-profit, psychiatric
Ask whether it has a financial assistance or charity care policy.
Vista Health Fayetteville
Fayetteville, Washington County · For-profit, psychiatric
Ask whether it has a financial assistance or charity care policy.
Forrest City Medical Center
Forrest City, St. Francis County · For-profit, general acute care
Ask whether it has a financial assistance or charity care policy.
Helena Regional Medical Center
Helena, Phillips County · For-profit, rural emergency
Ask whether it has a financial assistance or charity care policy.
Southwest Regional Medical Center
Hope, Hempstead County · For-profit, general acute care
Ask whether it has a financial assistance or charity care policy.
Southwest Regional Medical Center
Hope, Hempstead County · For-profit, critical access
Ask whether it has a financial assistance or charity care policy.
National Park Medical Center
Hot Springs, Garland County · For-profit, general acute care
Ask whether it has a financial assistance or charity care policy.
Arkansas Heart Hospital
Little Rock, Pulaski County · For-profit, general acute care
Ask whether it has a financial assistance or charity care policy.
Arkansas Surgical Hospital
No Little Rock, Pulaski County · For-profit, general acute care
Ask whether it has a financial assistance or charity care policy.
Bridgeway Hospital
North Little Rock, Pulaski County · For-profit, psychiatric
Ask whether it has a financial assistance or charity care policy.
St Marys Regional Medical Center
Russellville, Pope County · For-profit, general acute care
Ask whether it has a financial assistance or charity care policy.
Siloam Springs Regional Hospital
Siloam Springs, Benton County · For-profit, general acute care
Ask whether it has a financial assistance or charity care policy.
Northwest Medical Center-Springdale
Springdale, Washington County · For-profit, general acute care
Ask whether it has a financial assistance or charity care policy.
Riverview Behavioral Health
Texarkana, Miller County · For-profit, psychiatric
Ask whether it has a financial assistance or charity care policy.
Federal rules for nonprofit hospitals
- A nonprofit hospital must have a written financial assistance policy. There is no federal income level: the policy sets its own criteria.
- It must accept applications for at least 240 days after the first bill sent after you leave.
- For patients it finds eligible, charges for emergency and other medically necessary care are limited to the amounts generally billed to people with insurance.
- These rules apply to hospitals recognized as tax-exempt under section 501(c)(3), including government hospitals with that status.
More in the hospital charity care guide.
What to ask the billing office
- Ask for the financial assistance policy, the application and the plain language summary.
- Ask which income limit applies to your household and what counts as income.
- Ask whether the doctors who treated you are covered by the policy or bill separately.
- Ask until when you can still apply for the bill you have, and ask for the answer in writing.
The free financial assistance letter asks for all three papers. Denied? How to appeal or reapply. Already paid? How applying after you have paid works. Compare large health systems on the hospital list.
Helping people with hospital bills in Arkansas?
Send them this page. With a client link from your organization they also get Pro at no cost to them: the full list for every bill, the questions to ask and a letter. A free pilot is available on request.
Sources
The list of hospitals, their towns, counties and ownership come from Hospital General Information (CMS Provider Data Catalog), modified 2026-07-22. Ownership is CMS’s label, not a tax ruling. We left out the 2 hospitals the CMS file lists under federal ownership, such as VA and military hospitals.
Each figure comes from the hospital’s own policy, which every figure links to, with the policy’s words and the day we read it (2026-11-09). We used AI reading tools, and a second independent check compared each quote and figure with the policy text. A figure that was not confirmed is left out. Dollar amounts use the 2026 federal poverty guidelines for the 48 states and Washington, DC (91 FR 1797).
We are not part of any of these hospitals. Policies change, and the hospital decides from its own form, with conditions such as assets or residency that the policy sets. If what you read here differs from the current policy, the policy counts. A correction? Tell us on the Support page.
MedBillCheckup provides informational assistance only. It does not determine whether a charge is medically necessary, fraudulent, illegal, or definitively incorrect, and it is not a substitute for advice from a lawyer, doctor, insurer, or certified medical billing specialist.