OwedMedical bill check
Medical and hospital bills

Find the errors in your medical bill before you pay it.

Upload a hospital or doctor's bill. We check every line for duplicate charges, bundled codes, upcoding red flags and protections you're owed, then write the letters to fix it.

Add your your billPDF or photos of each page. An itemized bill finds the most, but a summary statement works too.
Do you have health insurance for this care?
Was this emergency care?
More details (optional, finds more)
Is the provider who billed you in your insurance network?
Was the hospital or facility itself in network?
Is it a nonprofit hospital?Most U.S. hospitals are. Search the hospital's name plus "nonprofit" if you're unsure.

Free scan first. Full report and letters $39 only if you want it. Files are private and deleted after 30 days.

No document handy? See a full sample report.

ITEMIZED STATEMENTAcct RB-20914
09/1480053 Comprehensive metabolic panel$312.00
09/1482565 Creatinine$64.00
09/1436415 Venipuncture$42.00
09/1436415 Venipuncture$42.00
09/16Room and board, semi-private$3,150.00

Creatinine is already inside the 80053 panel. Blood draw billed twice. Room charged on discharge day.

3 errors · $3,256
  • Free scan before you pay
  • Deleted after 30 days
  • You send the letters

What you get for $39

Line-by-line error check

Every charge is checked against coding rules: duplicates, components billed on top of their panel, once-a-day codes billed twice, room charges on discharge day, routine supplies, math.

Your protections, spelled out

No Surprises Act balance-billing rules, Good Faith Estimate disputes, and nonprofit hospitals' financial-assistance duties under IRS 501(r).

Three letters, ready to send

An itemized-bill request, a dispute letter listing each problem with what to change, and a financial-assistance application. Copy them or download PDFs.

What we check

Duplicate chargesThe same item billed twice on the same day.
Unbundled codesTests billed one by one on top of the panel that already includes them.
Upcoding red flagsTop-level visit codes that need records to back them up.
Above the posted priceCharges higher than the hospital's own price-transparency rates.
Balance billingOut-of-network bills the No Surprises Act doesn't allow.
Charity careWhether the hospital owes you a financial-assistance review.

How it works

  1. Upload the bill. A PDF or phone photos. Add a few details if you like.
  2. Get the free scan. How many possible errors we found and the dollars they cover.
  3. Unlock the full report for $39. Every finding, the rule behind it, and the letters filled in.
  4. Send the letters. Copy them or download PDFs, and mail them with tracking.

Questions

Is this legal or medical advice?

No. Owed is a document-preparation tool, not a law firm, and we don't negotiate for you. It reads your bill, applies published billing rules, and drafts letters you can send yourself. For legal advice, talk to a lawyer; for help with insurance, your state's consumer assistance program is free.

What happens to my bill?

It's stored encrypted in a private bucket and deleted automatically after 30 days, or right away when you click delete. We never use your documents for analytics or training. See the privacy page.

What if you don't find anything?

The free scan tells you before you pay. If the scan finds nothing, don't buy the report unless you want the request and assistance letters.

Do you contact the hospital for me?

No. You stay in control: you send the letters, and nothing goes out in your name without you.

Owed is a document-preparation service, not a law firm. We are not lawyers, we don't represent you or negotiate for you, and nothing here is legal or medical advice. Results depend on your plan, your provider and your case.