Yes. Medical bills are often negotiable.

Hospitals and providers frequently bill at rates much higher than what insurance companies or government programs actually pay. Errors, duplicate charges, and improper coding are also common. With the right documentation and strategy, many bills can be reduced through:

- Billing error corrections
- Insurance appeals
- Financial assistance applications
- Direct negotiation with providers

Resolve specializes in identifying these opportunities and pursuing them on your behalf.

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The bill resolution process can vary based on your unique circumstance and on the responsiveness we receive from insurance companies and hospitals. On average, it takes about 4 months to resolve a bill.

Negotiating a hospital bill typically involves:

1. Reviewing the bill line by line for errors
2. Comparing charges to fair market rates
3. Confirming insurance processed the claim correctly
4. Applying for hospital financial assistance (if eligible)
5. Contacting the billing department to request reductions

The process can be time-consuming and confusing. That’s why many people choose to work with a professional advocate such as Resolve who understands hospital systems and knows what leverage points to use.

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Protecting your credit is important to us. We will do all we can to help remove medical bills from your credit report and prevent existing bills from affecting your credit score.

For many people, yes.

Medical billing systems are complex. Insurance rules, coding practices, and hospital financial policies are not intuitive. An experienced advocate:

• Knows where billing mistakes happen
• Understands financial aid eligibility criteria
• Communicates directly with providers and insurers
• Documents everything properly

Resolve clients save an average of up to 60%, and if we don’t find savings, you don’t pay for our concierge negotiation service. That makes the risk low and the potential upside significant.

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It depends on the situation.

Reductions can range from modest adjustments to substantial savings. Factors include:

-Type of procedure
-Insurance status
-Income eligibility for financial aid
-Billing accuracy
-Whether the account is current or in collections

On average, Resolve clients save around 60% of the total bill amount. Some cases result in partial reductions, others in major adjustments or full financial assistance approval.

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A medical bill advocate acts as your expert representative.

At Resolve, our advocates:

-Analyze your medical bills for errors
-Verify insurance processing
-File appeals when appropriate
-Apply for financial assistance programs
-Negotiate directly with hospitals and providers
-Handle documentation and communication

You stay informed. We handle the heavy lifting.

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Insurance does not guarantee a correct or fair bill.

Common issues include:

1. Incorrect coding
2. Denied claims that should have been approved
3. Out-of-network processing errors
4. Coordination of benefits mistakes

Resolve reviews both your bill and your insurance explanation of benefits (EOB) to ensure everything was processed properly before negotiating further reductions.

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Your situation is unique, and your path to savings will be too. We’ll learn as much as we can about your situation and look at every potential solution to formulate a customized solution to get you the most savings possible.

Often we’ll use one or a combination of the following three methods: 

1. Insurance Appeals: We will review your policy and EOBs when necessary to make sure nothing was missed. When applicable, we’ll contact your insurance company and handle the appeals process for claims wrongfully denied.
2. Financial Aid: Most hospitals offer help for patients with enormous bills. We’ll look to see if there are any options available to you here.
3. Negotiations: We’ll review your bills for errors, duplicate charges, and inflated pricing. Then, we’ll go to bat for you to ensure you don’t pay more than you should. We’ll escalate your case as high as the CFO or CEO of the hospital if that’s what it takes!

Ignoring a medical bill can lead to:

-Late fees
-Collection agency involvement
-Credit reporting (depending on timing and amount)
-Ongoing stress and repeated notices

Recent credit reporting rules have changed how medical debt appears, but unpaid balances can still create complications. It’s almost always better to address the issue proactively.

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Your privacy and security is of utmost importance to us. All customer information is stored behind bank-level encryption.

Negotiating itself does not hurt your credit.

What impacts credit is unpaid debt that becomes delinquent and is reported. In many cases, negotiating early can actually help prevent credit damage by resolving or reducing the balance before escalation.

If your account is already in collections, a negotiated settlement may improve your financial position compared to ignoring it.

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How much does a medical bill negotiation service cost?

Resolve offers two options:

1. Concierge Negotiation

-You are assigned a dedicated advocate who handles everything for you.

-You never pay more than you save.

-If we can’t find savings, you pay nothing.

2. Easy File (Self-Serve Financial Aid Filing)

-A flat-fee option for individuals who want structured support filing hospital financial assistance applications themselves.

-We’re transparent about pricing before you commit — no hidden fees, no surprises.

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On average, we save our patients 60% off of their bill, but we have been able to eliminate entire bills for others. Your personal savings will depend on your specific circumstances. We’ll create a custom plan specific to your situation to maximize your savings.

Yes — in many cases, you can.

Even if a bill has been sent to collections, there may still be options, including:
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-Settlement negotiations
-Retroactive financial assistance
-Insurance claim corrections
-Payment restructuring

The earlier you act, the more leverage typically exists. But even in collections, it’s often not too late. Resolve offers free, no obligation consultations.

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For bills from $5k - $15k we charge a $249 upfront deposit, which will be applied to your final success fee (or refunded if we don’t lower your bill). The final success fee is 25% of total savings found. If we find more than $0 but less than $4k in total savings, the success fee is instead the lower of $1,000 or 50% of savings found. We never charge you more than you save.


For bills over $15k, we charge a $499 upfront deposit, which will be applied to your final success fee (or refunded if we don’t lower your bill). Our final success fee is 10% of total savings found. If we find more than $0 but less than $25,000 in total savings, the success fee is instead the lower of $2,500 or 50% of savings found. We never charge you more than you save.

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There is a significant amount of work that we do to ensure we find you the maximum amount of savings. In order for us to cover the costs of doing all this work, we charge a minimum fee (as long as we find you savings). In the majority of cases - we find sufficient savings so the minimums don’t apply.

We never charge you more than you save and if we don’t find any savings, there is no cost to you.

To get started, you’ll need to provide us with copies of your medical bills. It’s also helpful if you can provide any other important billing statements, EOBs, documents, or letters that you’ve received from your hospital or insurance company concerning your medical bills.

A) On average, we provide our members with 60% savings and have a 70% success rate in lowering medical bills. We only charge a percentage of the savings found with transparency and integrity top of mind in every interaction.

B) In most cases, the amount a person owes is significantly lowered and we find payment plans for people to pay back what they owe over time and within their budget. For those who can’t afford our services or want to do it themselves, we provide a library of online resources, including our Medical Debt guide, to help people do it themselves. We also offer significantly discounted rates for the most financially vulnerable.

C) If Resolve is unable to find savings, the member’s deposit is refunded in full.

Negotiating a hospital bill typically involves:

1. Reviewing the bill line by line for errors
2. Comparing charges to fair market rates
3. Confirming insurance processed the claim correctly
4. Applying for hospital financial assistance (if eligible)
5. Contacting the billing department to request reductions

The process can be time-consuming and confusing. That’s why many people choose to work with a professional advocate who understands hospital systems and knows what leverage points to use.

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