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    Helping Americans with Medical Debt

    Our tools and strategies aim to help you control your medical debt, and not fall victim to corporate greed, fraud, and harassment.

    You Are Not Alone:

  • • Healthcare is the #1 cause of bankruptcy in the USA, with 100 million Americans having healthcare debt.
  • • 62% of people with major medical debt had insurance, highlighting the insufficiency of many insurance plans in covering significant medical expenses.
  • • In the past 20 years, average household salary increased by only 15%, while family insurance premiums increased by 400%.
  • Follow our DIY guide below and take back your power today!
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    Start Here:

    Insights Into Nonprofit Hospitals and Medical Billing

    Understanding these codes is crucial for navigating your medical bills and ensuring you are not overcharged.

    Nonprofit Hospitals and IRS Section 501R

    3,000 out of 5,700 hospitals in the US are registered as nonprofits.

    These hospitals must provide free or discounted care to those who qualify, benefiting by over $30 billion annually.
    Despite this, less than 1% of nonprofit hospital revenues go to free care, underscoring a major shortfall in support for patients.
    80 million Americans are entitled to free care, and another 40 million to discounted care.

    Understanding Medical Billing Codes

    Diagnosis-related group (DRG) codes: These are 3-digit codes that are used for inpatient care standardization.

    Revenue codes: 4-digit codes showing where care happened in the hospital, not used for billing.

    Current Procedural Terminology (CPT) codes:5-digit codes describing medical procedures and services, essential for accurate billing

    Common Issues with Medical Billing

    Unbundling: Charging separately for services that should be billed together, leading to higher costs.
    Up-charging: Inflating charges for basic services, particularly in emergency room visits.
    Lack of Transparency: Many hospitals fail to publish their complete list of charges as required by law.

    Step 1

    Taking Control:

    Request an itemized bill and your full medical records.


    Follow up if necessary, sending requests to the hospital's billing and medical records departments and cc'ing the CEO.
    > Click Here to Download a Sample Letter for a Detailed Medical Bill:


    > Click Here to Download a Sample Letter for Medical Records:

    > Click Here to Download a Sample Letter to the Hospital:


    > Click Here to Download a Sample Phone Script to Guide Your Outcome:

    Step 2

    Review the Bill:

    Unbundling: Ensure services are billed together using bundled codes.

    Upcharging:Verify the level of service charged matches the care received.

    Transparency: Check if the hospital follows federal price transparency laws.

    AGB (Amount Generally Billed):Request this information for negotiation purposes.


    EOB (Explanation of Benefits):Compare with the hospital bill to ensure consistency.

    Step 3

    Apply for Financial Assistance and Make a “Good Faith” Payment:

    Financial Assistance Policies (FAP): If your income is $53,000 or less, you may qualify for aid.

    Good Faith Payments: Make a small monthly payment (e.g., $10) to prevent being sent to collections while disputing the bill.

    Leverage Points and Strengthening Your Position:

    Identify instances where hospitals impeded cooperation or breached federal laws. Utilize these findings as leverage to negotiate reductions in your bills.

    Identify where hospitals obstructed cooperation or violated federal laws.Use these points to negotiate bill reductions.

    Standing firm against unfair billing practices can lead to successful outcomes, often without the hospital pursuing legal action due to the risk of a judge setting a lower payment amount.
    For more information or to report violations, you can contact CMS through their website. Additionally, contact our advocates for support or questions.
    Hospital Pricing Transparency (ACA Section 2718E): Every hospital in the U.S. must create and share a yearly list of their standard prices for services and items, including rates for specific treatment groups under the Social Security Act.
    Price Transparency Rule (HHS 9915): Hospitals must publicly share the actual prices paid for their services, known as the Amount Generally Billed (AGB). This includes discounted rates for major insurance companies like Blue Cross Blue Shield, United Healthcare, Cigna, and Aetna, as well as Medicare and cash prices.
    Financial Assistance Policies (ACA, IRS Section 501®): Hospitals are required to clearly share information about their financial help programs with the public.
    Fair Trade Practices (FTC Act Section 5a): This rule prevents businesses from engaging in unfair or deceptive practices that affect commerce.
    No Surprises Act: Protects consumers from unexpected medical bills for out-of-network emergency care. Patients can’t be charged extra by out-of-network doctors or hospitals. Instead, the health plan and the provider must agree on a fee or have an independent party decide it.
    Fair Debt Collection: Aims to stop abusive, misleading, and unfair debt collection practices.

    Summary Checklist

    1. Demand an itemized bill.

    2. Review for unbundling.

    3. Check for up-charging in medical records.

    4. Ensure hospital compliance with ACA and HHS 9915 transparency laws.

    5. Apply for financial assistance.

    6. Make a $10 good faith payment during disputes.

    7. Compare hospital bills with insurance EOBs.

    8. Obtain AGB for negotiation.