AI Medical Bill Negotiation Helper

Handle medical bill disputes with AI support and reduce your healthcare costs by up to 70%

Share your situation here...

How to use

Share your medical bill situation

I got a $3,200 ER bill for chest pain. Insurance covered $800, leaving me with $2,400. They denied the facility fee as "not medically necessary.

Can you upload or describe the itemized charges? Also, what's your household income range?

Here's the bill breakdown... My household income is about $55K annually. I have Blue Cross Blue Shield and this was an in-network hospital.

Perfect info. Do you have the EOB (Explanation of Benefits) from insurance?

AI finds money you can save

I've found several issues:

First, there are clear billing errors: They charged you twice for the same basic metabolic panel ($180), and they coded this as a Level 5 emergency when your symptoms only warranted Level 3.

Second, you have multiple reduction paths: This hospital offers 35% cash discounts, plus you qualify for their financial hardship program since your income is under $60K.

The insurance denial is also questionable - chest pain absolutely warrants emergency evaluation. Similar appeals succeed about 70% of the time.

Get your personalized negotiation strategy

Here's how I recommend approaching this:

Start with the billing errors. Call Patient Financial Services and say: "I found errors on my bill and need to discuss payment options."

Once they correct the $180 duplicate charge, mention your financial situation. Ask for their hardship application

For whatever's left after hardship review, negotiate a cash settlement. They'd rather get 50-60% immediately than chase you for months.

One key tip: Stay calm and factual. You're not asking for charity - you're pointing out legitimate issues and exploring their existing programs.

Practice with AI to nail tricky situations

AI BILLING REP

ROLEPLAY

The charges are correct as billed. You received the services, so payment is due.

Can you just bill my insurance again? I think there was a mistake with my claim.

ChatVisor

Don't ask them to rebill insurance without understanding why it was denied! This makes you sound clueless about the appeals process, and they'll just brush you off with "contact your insurance."

Here's what actually works:

"I have questions about the denied charges on my EOB. Can we review why the facility fee was coded as not medically necessary?"

Ask ChatVisor...

Why Choose Us?

Know Exactly What to Say

Get proven scripts that work with billing departments without sounding confrontational or desperate.

Find Hidden Savings Opportunities

Our AI spots billing errors, discount programs, and negotiation points that most people miss.

Handle Any Response They Throw at You

Know how to respond when they deny your request or pressure you into payment plans. Never get caught off guard again.

Practice Until You're Ready

Our simulator lets you rehearse the conversation until you're confident and prepared.

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