FairBill: Medical Bill Dispute

Up to 80% of US hospital and medical bills contain billing errors, duplicate charges, or inflated fees.

FairBill is your personal medical bill dispute advocate and hospital debt relief tool. Designed for patients and families, FairBill helps you audit medical bills, dispute hospital charges, check eligibility for 100% charity care debt forgiveness, and generate legal dispute letters.

Protect your hard-earned savings before you pay.

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CHARITY CARE & DEBT FORGIVENESS (IRS 501(r))
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Over 60% of US hospitals are non-profit. Under federal law (IRS Section 501(r)), non-profit hospitals must provide financial assistance:

• 100% Bill Forgiveness: Households under 200%–250% of Federal Poverty Guidelines qualify for $0 balance.
• Catastrophic Discounts: Earners between 250%–400% FPL qualify for sliding-scale discounts up to 80% off.
• 240-Day Collections Freeze: Submitting an application halts debt collections and credit reporting for 240 days under 26 C.F.R. § 1.501(r)-6.
• Instant 501(r) Letter: Automatically generate a formal relief application citing IRS regulations.

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KEY FEATURES
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• SMART MEDICAL BILL & EOB SCANNER
Import itemized hospital bills or insurance Explanation of Benefits (EOB) via camera, photo, or PDF. On-device OCR reads line items, procedure codes, and charges in seconds.

• 5-POINT BILLING ERROR DETECTION
FairBill scans line items for common billing discrepancies:
- Duplicate Charges: Flags lab tests, meds, or room fees billed multiple times.
- Unbundling: Detects when routine care packages are split into separate fees.
- Upcoding: Flags procedure codes billed at higher complexity levels.
- Math Discrepancies: Verifies that itemized charges, copays, and deductibles reconcile.
- Denied Service Alerts: Highlights disallowed charges needing resubmission.

• FAIR PRICE & CPT CODE BENCHMARKS
Compare CPT and HCPCS codes against CMS Medicare and regional benchmarks. See 50th, 75th, and 90th percentile pricing in your ZIP code so you know what care should cost.

• FORMAL LEGAL DISPUTE LETTERS
Found an error or exorbitant fee? FairBill automatically drafts dispute letters citing the No Surprises Act and HIPAA rules. Export ready-to-send dispute letters to hospital billing.

• 180-DAY APPEAL DEADLINE TRACKER
Federal law grants a 180-day window to appeal insurance claim denials. FairBill tracks your dispute deadlines so your appeal is filed on time.

• DEDUCTIBLE & OUT-OF-POCKET MONITOR
Track your annual deductible, copays, and out-of-pocket maximums across audited claims in one organized dashboard.

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100% PRIVATE & ON-DEVICE
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- 100% on-device OCR and bill audit analysis
- Zero cloud uploads of personal health records
- No account registration required to audit bills
- No tracking or selling of personal information

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WHO IS FAIRBILL FOR?
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- Patients facing high ER, surgery, or hospital bills
- Anyone facing surprise out-of-network balance billing
- Uninsured or self-pay patients seeking charity care relief
- Families managing high-deductible health plans (HDHPs)
- Caregivers auditing medical statements and Medicare claims

Dispute unfair hospital charges, claim debt forgiveness, and protect your savings!

DISCLAIMER: FairBill is an educational bill auditing tool. FairBill is not an attorney, healthcare provider, or licensed medical bill advocacy firm, and does not provide legal or medical advice. Pricing benchmarks are estimates based on public healthcare cost datasets.

Recent changes:
• NEW: Hospital Phone Negotiation Script — Access word-for-word phone negotiation templates citing CMS guidelines and the No Surprises Act to dispute charges directly with billing departments.
• Enhanced CPT directory lookup with real-time fair market price spectrums.
• Optimized audit report layouts with improved readability and instant savings breakdown.
• Performance improvements and bug fixes for faster document scanning and offline bill reviews.