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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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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On average, we save our patients 67% 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.

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 67% of the total bill amount. Some cases result in partial reductions, others in major adjustments or full financial assistance approval.

For the large, complicated medical bills we specialize in, usually yes. What matters is how much you save in the end, even after any advocate’s fee.

AI tools and DIY guides can help you understand a bill, spot problems and draft letters. Resolving complex bills, often involving several providers and insurers, takes more than that: someone has to call the billing office, get the case escalated, and follow up for months. Experienced advocates bring:

• Insider knowledge: familiarity with billing practices, insurer processes, and often the specific providers and payers involved.
• Credibility and access: billing offices and insurers respond differently to a professional advocate than to a patient. We know whom to reach, how to present a case, and when and how to escalate.
• Hands-on execution: reviewing records, negotiating charges, managing appeals, and following up for months when necessary.

Resolve combines this experience with specialized tools and AI. Our clients save an average of 67%, and if we don’t find savings, you pay nothing. For a way to decide between doing it yourself, using AI, or handing it off, see our guide Handle a bill yourself, use AI, or get an advocate?

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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We generally take on cases where the bills for one medical situation total $5,000 or more, counting every provider involved: the hospital, surgeon, anesthesia, imaging, ambulance and any follow-up care from the same event.

We are especially effective on large, complicated situations. Examples are a hospital stay that produced bills from several providers, bills already in collections, insurance denials, and out-of-network disputes, but those are only examples. Any complex or financially serious medical bill situation is a good fit for us. One advocate handles every bill from the situation.

If your bills total less than $5,000, our Medical Bill Guide walks you through handling them yourself, and EZ File helps with hospital financial assistance applications.

Our fee is a percentage of the savings we find, and you never pay more than you save.

For bills under $15,000 in total, the fee is 25% of the savings, with a minimum fee of $1,000. For bills of $15,000 or more, the fee is 10% of the savings, with a minimum fee of $2,500. If the savings are small, the minimum fee applies, but it is never more than 50% of the savings we find.

We also charge an upfront deposit: $250 for bills under $15,000 and $499 for bills of $15,000 or more. The deposit is applied to your final fee, or refunded in full if we don’t lower your bill.

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. EZ File (Self-Serve Financial Aid Filing)

-A flat fee of $99 per financial assistance application, for people who want structured support filing hospital financial assistance applications themselves.

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

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.

Per medical situation. We treat all the bills from one medical event as one situation: the hospital, the surgeon, anesthesia, imaging, the ambulance and any follow-up care from the same event, whether that is one bill or ten.

The fee tier is set by the total still outstanding across those bills: 25% of savings under $15,000 in total, 10% at $15,000 or more. The minimum fee applies once per situation, not once per bill, and it is never more than 50% of the savings we find.

A) On average, we provide our members with 67% 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 Bill Guide, to help people do it themselves.

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

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.

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.

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. Not meeting a provider’s standard financial assistance criteria doesn’t always end the conversation. We look beyond the initial eligibility screen, make the case for your individual circumstances, and pursue exceptions or additional relief.
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!

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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Yes. Many large bills are really insurance problems. We handle denied and underpaid claims, out-of-network and surprise bills, cost-sharing errors, and the situations where the provider and the insurer each say the other is at fault. Your advocate works both sides until the bill is correct.

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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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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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.

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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Yes. We often work directly with a spouse, adult child or caregiver on the patient’s behalf. We need a signed HIPAA release, which is part of signing up, and for an estate, the executor’s authorization.

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

No. Resolve Medical Bills (resolvemedicalbills.com) is a medical bill advocacy company founded in 2019 and based in Virginia Beach, Virginia. Our advocates review, dispute, and negotiate medical bills and insurance denials for patients.

We are not affiliated with any other company or organization named Resolve. Those include the debt relief company Resolve (helloresolve.com, operated by SoloSuit, Inc.), the debt relief companies Coastal Debt Resolve and MCA Resolve, the medication safety company Resolve Medical, the medical device company Resolve Medical Solutions, and RESOLVE: The National Infertility Association. We do not offer debt consolidation, credit counseling, credit repair, or debt management plans.

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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