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Tools are grouped by the situation you're in. Pick a path below — or jump to a section.
I got a bill
Audit it, lower it, appeal it — or get it forgiven.
Bill summarizer (AI)
Paste your bill text — get plain-English bullets, red-flag charges, and next steps in seconds.
OpenStart hereSmart billing audit
Answer three quick questions to spot red flags on your hospital bill — and get a personalized action plan.
OpenStep 1 — QualifyFinancial assistance calculator
See if you qualify for hospital Charity Care using the 2026 Federal Poverty Level guidelines.
OpenStep 2 — ApplyCharity care request letter
Generate a polished Financial Assistance request to the hospital with the right legal citation for your state.
OpenDecode your billHospital bill code lookup
Decode the CPT, HCPCS, and revenue codes on your itemized bill — and spot the ones often inflated.
OpenAuditable extractionBill field audit
Upload a bill and get every field extracted with a 0-100 confidence score, source location on the page, and human-verification flags. Missing means missing.
OpenDecode a denialRemark code decoder
Paste a CARC or RARC code from your EOB (CO-45, PR-1, N130) and get the denial reason plus ranked next actions with confidence levels.
OpenBefore you callPhone call script generator
Ready-to-read script and key questions for confirming contracted rates and modifiers with your insurer or provider.
OpenDenied claimInsurance claim appeal
Draft a formal appeal for a denied insurance claim. Over 50% of appeals succeed.
OpenFast-track · 15-day windowPeer-to-peer review request
Ask your doctor to talk directly to the insurance medical director — fastest way to overturn a denial.
OpenStart-to-finish guideMedical debt relief guide
The seven steps that actually lower a hospital bill — itemize, correct, apply for charity care, validate, negotiate, appeal, protect your credit.
OpenIn collectionsMedical debt & collections
Validate the debt, dispute errors, protect your credit, and negotiate a settlement — step-by-step.
OpenDon't miss the windowAppeal deadline tracker
Enter your denial date and state — see your internal + external appeal windows and download calendar reminders.
OpenCoordination of benefitsWhich insurance pays first?
Two plans and one bill? Walk the birthday rule, Medicare Secondary Payer rules, and injury coverage to get the right order of payment.
OpenI need care
Find the right provider before you go — and avoid surprise bills.
Find in-network providers
Jump to the official directory for your carrier and plan — the #1 way to avoid surprise out-of-network bills.
OpenBefore your visitAppointment prep sheet
Build a printable pocket guide for your next visit — your goal, your questions, and the billing asks to raise before you leave — then audit the bill that follows.
OpenSurprise bill shieldVerify ancillary services
Labs, imaging, and anesthesia cause most surprise bills. Confirm coverage and know your BBPA protections.
OpenEmergency guideER vs. urgent care guide
Not sure where to go? Compare symptoms, costs, hours, and find the nearest open facility.
OpenEMS & transportAmbulance services & cost
Find local EMS, see what insurance covers, estimate cost by trip type, and request hardship discounts.
OpenKids & expecting parentsFamily & newborn coverage
Enroll a new baby, find CHIP/Medicaid, locate pediatricians and OB-GYNs, avoid surprise hospital bills.
OpenMental healthMental health care & coverage
Find in-network therapists, lower medication costs, use parity rights to fight denials, access 24/7 crisis support.
OpenDental careDental health & coverage
Find dental coverage and low-cost care for seniors, Medicaid patients, veterans, and the uninsured.
OpenLGBTQIA+LGBTQIA+ healthcare
Affirming providers, gender-affirming care, HIV/PrEP, mental health support, and insurance rights.
OpenVeteransVA Healthcare
Department of Veterans Affairs (VHA) care: enroll, find a VA facility, and access medical, dental, vision, and mental health resources.
OpenMedication helpSpecialty drug assistance
Manufacturer patient assistance, copay cards, and foundations to cut specialty drug costs to as little as $0.
OpenMedication helpCopay program FAQ
How copay cards, patient assistance programs, and foundations differ, who qualifies for each, and how to apply.
OpenNavigationWho handles what?
Tell us what happened and get what it means, who is actually responsible, exactly what to ask, and your next steps.
OpenI want to learn my rights
Plain-English guides to the protections most patients miss.
Know your rights
No Surprises Act, Charity Care, itemized bill rights, and appeal deadlines — protections most patients don't know they have.
OpenLook it upBilling & insurance glossary
EOB, allowed amount, coinsurance, prior auth — the confusing terms decoded in plain English.
OpenMedicaidMedicaid, made simple
Spend-down, prior auth denials, managed care, dual eligibility, estate recovery — answered plainly.
OpenStay informedHealthcare news & recalls
Curated FDA recalls, healthcare class action lawsuits, and trusted medical news sources in one place.
OpenI need to talk to someone
A caring companion or an AI advocate — whenever you need it.
Community
Encouragement from people who've been there.