You have health insurance. So why did you just get a medical bill for hundreds or thousands of dollars?
That's the question that started all of this.
Sometimes the bill is right.
Sometimes, it deserves a much closer look.
Med Bill SOS helps you find out which one you're dealing with.
You have health insurance. So why is there a medical bill for hundreds or thousands of dollars?
That's the question that started this.
Sometimes the bill is right.
Sometimes, it deserves a much closer look.
Med Bill SOS helps you find out which one you're dealing with.
Start With the Itemized Bill
A medical bill can be page after page of codes, charges, and adjustments that mean almost nothing to the person being asked to pay it. We start by making sense of those line items. Med Bill SOS reads the billed codes and charges and compares them against Medicare reference rates — the same public benchmark the industry itself uses.
Show You What Stands Out
We look for specific things worth questioning — potential duplicate charges, charges billed at a higher level than the service described, questionable bundling, and prices that sit far above the Medicare reference. So instead of “this bill seems awfully high,” you have something specific to point to.
Put It in Writing
If the review turns up something worth questioning, you get it in writing: a dispute email and a certified-mail letter, with the codes, the amounts, and the specific grounds, ready to send to your provider. In our experience, when patients ask a provider in writing to justify specific charges, those charges often get reviewed, adjusted, or removed.
Know Where You Stand
And if the answer comes back that the bill is fair — now you know that too. No phone calls. No hold times. Asking a provider to justify a charge is always your right, and there are also federal protections that limit what a provider can do while charges are under review in certain situations.
It Started With My Own Clients
“Is there anything I can do?”
I provide health insurance. Over the years, clients have called me about medical bills they simply didn't understand. They had coverage. They'd paid their premiums. And now they were staring at a bill for hundreds or even thousands of dollars.
For some time, I didn't have great answers. So I started looking. I'd get an itemized bill, find the charges that seemed high, and start asking questions. Sometimes the billing department reviewed a charge. Sometimes they pointed us to financial assistance. And sometimes we found that what looked like an insurance problem wasn't actually an insurance problem at all — it was the bill itself that needed a closer look.
Sometimes the bill was fair. Sometimes it wasn't. Either way, my client finally knew where they stood.
We've taken what started as helping one client at a time and built a way to check any bill, line by line with much greater speed, accuracy, and detail. The goal hasn't changed: get the bill back to a fair place.
— Luke
This Isn't About Making Hospitals the Bad Guy
We have real respect for the doctors, nurses, technicians, and everyone else who takes care of us when we need it most. And we understand that providing medical care costs money.
Med Bill SOS isn't built on the idea that every hospital bill is wrong or that every high charge is unfair. It's built on a simpler idea: you should be able to understand what you're being asked to pay — and question a charge when something doesn't add up.
Providers can set their own prices. And, you can ask them to explain those prices.
Simple Three-Step Process
Upload Your Itemized Bill
Give us the bill that lists the individual services and charges. Med Bill SOS reads it so you don't have to decipher it yourself. Uploading is secure.
See What Deserves a Closer Look
We review the billed codes and charges against Medicare reference rates and flag what stands out — and what appears reasonable. You get a clear picture of what you were billed for, in plain language.
Put It in Writing
You receive a dispute email and a certified-mail letter you can use to ask the provider to review it. You decide what to send. You stay in control the whole way.
Get the bill back to a fair place.
Upload your itemized bill and see where you stand.
