The kit
The free checker told you where you likely stand. The kit is everything after that moment: how to get the policy and the form, how to fill the form when your income doesn't come with pay stubs, how to audit the bill itself, what to say at every step, and how to escalate when a hospital breaks its own rules.
$49 one payment · yours to keep · no subscription
Get the HospitalBillDecoded Kit — $49
Education and working documents for you to use yourself. We never ask for your medical records or documents — the kit teaches you what hospitals ask for and how to answer, without your private information ever leaving your house.
Get the HospitalBillDecoded Kit — $49
One payment of $49. No subscription. The kit is a web page you can return to and print — the application pack, the error checklist, the scripts, the deadline tracker, and the escalation ladder.
You have a hospital bill you cannot pay, or one in collections, or a payment plan being pressed on you — and you'd rather work the system yourself, once, correctly, than pay a percentage of savings or an hourly advocate. If your case involves a lawsuit already filed or a six-figure bill with disputed insurance coverage, the kit's escalation ladder will tell you honestly where a lawyer becomes the right spend.
A web-based kit (yours to return to and print) with seven working parts: the application pack, field-group filling guidance, the income-proof substitutes table, the itemized-bill error checklist with dispute letter, negotiation scripts, the deadline tracker, and the escalation ladder including the IRS Form 13909 walk-through. Plus the after-collections playbook and the good-faith-estimate dispute pack.
No — and be wary of anyone in this space who asks for your medical documents. The kit is education and working documents for you to use yourself. It never asks for your records, your diagnosis, or your account credentials, and neither do we.
The checker places you: likely band, deadline, first move. The kit executes: the actual words, forms guidance, checklists, letters, scripts, trackers, and escalation steps, in order, with your state's rules woven in.
Then the kit's second half earns its keep: the error checklist and dispute letter on the bill itself, the estimate-dispute pack if you were uninsured, and the negotiation scripts and plan terms for what remains. The kit was built for the whole road, not the best case.
Bill negotiation services take 25% of savings, advocates bill $125–$150 an hour, and per-bill review services start at $49–$99 per bill with your documents uploaded. The kit is $49 once, covers every bill from the stay, and keeps your documents in your house.