Let our experts tackle your medical bills
What Do Medical Bill Advocates Do?
A medical bill advocate is a professional who works on your behalf to review, dispute, and reduce medical bills. They act as your expert representative when dealing with hospitals, providers, and insurance companies.
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We carefully examine your medical bills and insurance claims to make sure everything was processed correctly.
-Analyze medical bills for errors, including duplicate charges, incorrect coding, or inflated costs
-Verify insurance processing to confirm claims were handled according to your policy
If something isn’t right, we take action to correct it.
-File insurance appeals to challenge denied or underpaid claims when appropriate
-Resolve billing discrepancies with providers and insurers
Our goal is to help you pay as little as possible — fairly and legally.
-Apply for financial assistance programs, including hospital charity care or hardship programs
-Negotiate directly with hospitals and providers to reduce balances and secure fair pricing
Medical billing issues can be overwhelming. We manage the work so you don’t have to.
-Manage documentation, paperwork, phone calls, and follow-up with billing departments
-Keep you informed throughout the process while we handle the complex and time-consuming tasks
How Does Medical Bill Negotiation Work?
Medical bill negotiation is the process of reviewing medical charges for accuracy, identifying ways to reduce the balance, and working directly with providers and insurers to lower what you owe.
At Resolve Medical Bills, we help people reduce or eliminate medical debt by challenging billing mistakes, appealing insurance issues when appropriate, and negotiating for fair pricing.
We Lower Your
Medical Bills or It's Free.
I love that Resolve is a very mission-focused company, and that we implement a patient-centered approach; in every part of our processes. Each and every advocate here at Resolve is a part of a unique mission to change the current healthcare dynamic; through our fight for fair medical bills. It feels extremely rewarding to be a part of that change!
I love working at Resolve because the mission of this company aligns with my personal views on our current healthcare system crisis. I have always wanted to be in a position of helping people, and I have always been the type of person to recognize when things are not right or fair and fight to get the issue resolved. Working at Resolve allows me to help patients with their life-changing medical debt case by case, as well as advocate for change within our healthcare system on a larger scale.
I love working at Resolve because we are changing people's lives. I love making good news calls and hearing the joy and relief in patients' voices that the burden of their medical bills have been lifted off of their shoulders. I love advocating for people who truly need our help! I love interacting with patients and being part of the PS team. Everyone truly cares about each other at Resolve and we all try to work as a team to help each other.
Working at Resolve has taught me there is a different side to healthcare. Transitioning from a frontline worker to a patient advocate has provided me the privilege to understand the significant financial burden medical treatment can cause patients on a daily basis. Every day, I feel valued in the work I perform and honored I get to make a difference in the lives of patients who were wronged by the healthcare industry.
Getting started is easy
We’ve made it easy to get started on the path to reducing your bills. Take a few minutes today to see how we can help.
Tell us about your bills
Answer a few questions and upload a few documents about your bills. Your Advocate will analyze these using our Resolution System to identify strategies to get the savings you deserve.
We’ll handle the rest
Your Advocate will then tackle the process on your behalf. Communication with the hospitals and insurance companies may include negotiations, overturning insurance denials, applying for financial aid, and filing claims.
Enjoy lower stress and bills
Your Advocate will keep you updated along the way so you’re confident the process is working for you. While every situation is unique, on average people save over 60%. For some, we’ve eliminated their bills entirely.*
Frequently Asked Questions
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.
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.
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.
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:
- 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.
- 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.
- 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!
Your privacy and security is of utmost importance to us. All customer information is stored behind bank-level encryption.
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.
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.
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:
- Reviewing the bill line by line for errors
- Comparing charges to fair market rates
- Confirming insurance processed the claim correctly
- Applying for hospital financial assistance (if eligible)
- 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.
Look forward to less medical debt
Don’t give up—work with an experienced Advocate to shrink or eliminate your medical bills. It’s what we do.
