Patients and families with US hospital and doctor bills
Find the errors in your medical bill before you pay it
Joins your itemized bill with your insurer's Explanation of Benefits and flags charges above what the EOB says you owe, surprise out-of-network bills the No Surprises Act covers, duplicates, implausible units and payments never credited. It totals what is in question and drafts the review request you send to the billing office or your health plan.
The problem
Hospital and clinic bills are hard to read and their errors are hard to spot: a line billed twice, units that don't add up, charges after discharge, or a balance above what your insurer's Explanation of Benefits says you owe. If you were uninsured or self-pay and the bill is $400 or more above your Good Faith Estimate, federal rules let you dispute it.
How it works
- Step 1Get the itemised billAsk the provider's billing office for an itemised bill, not just the summary.
- Step 2Upload it with your EOBAdd your insurer's Explanation of Benefits, or your Good Faith Estimate if you were uninsured or self-pay.
- Step 3Line-by-line checksDuplicate lines, implausible units, charges after discharge, the same charge from two providers, payments not credited, and balances above your EOB.
- Step 4Estimate checkIf you were self-pay, the total is compared with your Good Faith Estimate and the 120-day dispute deadline is shown.
- Step 5Send the review requestYou get a plain-language letter in your name asking the billing office to review and correct each item.
Typical results
- Federal dispute rule for self-pay patients
- Bills $400 or more above the Good Faith Estimate can be disputed within 120 days of the bill date, for a $25 fee
- Source
What the engine checks
- Charges above the EOB patient responsibility for in-network care
- Surprise out-of-network bills for emergency and in-network-facility care (No Surprises Act)
- Duplicate lines, the same charge from two providers, and implausible units
- Charges dated after discharge and payments not credited
- Self-pay bills $400+ above the Good Faith Estimate, with the 120-day dispute deadline
What you upload
A CSV export. Header names are matched automatically; these are the columns the engine reads.
| Column | Required | Example |
|---|---|---|
| Provider | Yes | St. Mary's Regional Medical Center |
| Account / claim number | HB-20931 | |
| Date of service | Yes | 2026-08-03 |
| CPT/HCPCS or revenue code | 99285 | |
| Description | Emergency dept visit, high complexity | |
| Units | 1 | |
| Billed amount | Yes | 2850.00 |
| Allowed amount (EOB) | 912.00 | |
| Plan paid (EOB) | 729.60 | |
| Patient responsibility (EOB) | 182.40 | |
| Amount the provider billed you (balance due) | 182.40 | |
| Amount you paid | 0 | |
| Network status | In-network | |
| Emergency (Y/N) | Y | |
| Facility network status | In-network | |
| Insurer / health plan | Aetna | |
| Uninsured / self-pay (Y/N) | N | |
| Good Faith Estimate given (Y/N) | N | |
| Good Faith Estimate total for this provider | 2500.00 | |
| Bill date | 2026-08-25 | |
| Discharge date | 2026-08-05 |
What you need
- The itemised bill from the provider's billing office
- Your insurer's Explanation of Benefits (EOB) for the same dates of service
- Your Good Faith Estimate, if you were uninsured or self-pay
Worked examples
Questions
- Is there a deadline?
- If you were uninsured or self-pay and the bill is at least $400 over your Good Faith Estimate, you have 120 days from the date on the bill to start the federal dispute process, which costs $25. For other errors, contact the billing office as soon as you can.
- Is this medical or legal advice?
- No. ERPSav compares your bill with your EOB or estimate and drafts a request for review and correction. It doesn't judge whether care was needed, and it isn't a lawyer.
- Who sends the letter?
- You do. ERPSav drafts it in your name and you send it to the billing office. If you ask a provider to share records with ERPSav, that is your own request and authorisation.
- What does it cost?
- A flat fee paid up front: $79 for bills under $2,000, or $149 for bills from $2,000 to $15,000. An optional $29 letter pack covers the federal dispute for self-pay bills $400 or more over the estimate. ERPSav never takes a percentage of what you save.
- Will it deal with collections?
- No. ERPSav doesn't negotiate debts or contact collection agencies. It prepares the review request you send to the provider.
- Is my information private?
- Your bill sits in your own private workspace that only you can open. Every upload and letter is logged, and ERPSav runs on its own servers in the EU behind Cloudflare.
ERPSav gives no medical or legal advice: it compares your bill with your own documents and drafts a review request you send, for a flat fee.