mediloop and Goodbill both do the same fundamental job: they take a medical bill you shouldn't have to fight alone, audit it for errors, and negotiate it down on your behalf. The differences are in how you pay, what bills they take, and what happens if they can't win. Here's the honest head-to-head.
Quick answer
mediloop charges a flat fee ($129 per bill) with a 100% money-back guarantee and handles hospital, ER, surgery, ambulance, and out-of-network bills. Goodbill charges 20% of the savings it wins, capped at $1,000, and focuses on hospital bills with built-in charity-care screening. The bigger your expected reduction, the more the flat fee works in your favor; if you'd rather owe nothing unless they win a reduction, the percentage model has its own logic.
Full disclosure up front: this comparison is written by mediloop, so we have an obvious stake in it. We've kept every Goodbill fact checkable against their own published terms, and we tell you plainly below when Goodbill is the better pick. Fees are as advertised at the time of writing (August 2026) and can change, confirm current terms with each service.
mediloop vs Goodbill at a glance
| mediloop | Goodbill | |
|---|---|---|
| Pricing model | Flat fee, $69 EOB review, $129 per bill, $499/yr | 20% of savings |
| Fee cap | Flat, never a % of savings | Capped at $1,000 |
| If nothing is saved | 100% money-back (per-bill plan) | No fee |
| Bill types | Hospital, ER, surgery, ambulance, out-of-network | Hospital bills |
| Charity-care screening | Included in bill review | Included, a core strength |
| How it audits | AI (Agent Loop) + RN / certified coder review | Certified coding audit + price-transparency data |
| Typical resolution | Most cases close in ~14 days | Varies by hospital response |
Terms as advertised in August 2026 and subject to change. Confirm current pricing with each provider before signing up.
What's the same
More than either company's marketing suggests. Both services request your itemized bill, audit every line for coding errors, duplicates, and overcharges, benchmark charges against fair-price data, screen you for hospital charity care, and then negotiate directly with the provider's billing department. Both use certified medical coders in the audit. Both are legitimate, established services, this is a choice between two reasonable options, not a scam-versus-real comparison.
The fee difference, with real math
This is the decision that matters most, so here's the math on a realistic case: a $10,000 hospital bill reduced by 60%, saving you $6,000.
- Goodbill: 20% of $6,000 is $1,200 → capped at $1,000. You keep $5,000.
- mediloop: flat $129. You keep $5,871.
Now flip it. Suppose the bill is small, $800, and the reduction is $300. Goodbill's 20% is $60; mediloop's flat fee is $129. On small bills with small reductions, the percentage model costs less. The crossover sits around $645 of savings: below it Goodbill's fee is lower, above it mediloop's flat fee wins, and past $5,000 in savings the gap is $871 in your pocket.
Since average reductions on the bills we see run 60-80%, most four- and five-figure bills land well past that crossover, which is exactly why we chose a flat fee. For a deeper look at fee models across the whole industry, see our full comparison of medical bill negotiation services.
The next step is often a phone call, a hold queue, and a supervisor who has heard the request before. A mediloop specialist can handle the supported provider conversations for a flat $129. If the bill is not reduced, the fee is refunded.
See Pay Per BillWhat bills each one handles
Goodbill concentrates on hospital bills, that focus is real expertise, and its audit leans on hospital price-transparency data that hospitals have been required to publish since 2021. But it means an ambulance bill, a standalone physician or anesthesiologist bill, or an out-of-network surprise bill generally falls outside its lane.
mediloop takes the wider set: hospital, ER, surgery, ambulance, imaging, and out-of-network bills, including No Surprises Act disputes, under the same flat fee. If your paperwork spans multiple providers from one episode of care (surgery is the classic case, see why surgery generates multiple bills), one service covering all of them keeps the case in one place.
Guarantees and risk
Both services protect you if they lose, in different shapes:
- Goodbill: no savings, no fee. You also owe nothing if you decline their negotiation letter before it's sent or reject the hospital's offer afterward.
- mediloop: the $129 per-bill plan carries a 100% money-back guarantee, if we can't reduce your bill, you pay nothing. The trade-off: you pay upfront and get refunded, versus never being charged.
When Goodbill is the better choice
Honest answer, pick Goodbill if:
- Your bill is small (under roughly $1,000) and the likely reduction is a few hundred dollars, 20% of a small saving beats a $129 flat fee.
- You strongly prefer never paying upfront, even against a money-back guarantee.
- It's a single, straightforward hospital bill and you want a specialist in exactly that.
And if your income may qualify you for charity care at a nonprofit hospital, check that first, both services screen for it, but you can also apply yourself for free, and the nonprofit Dollar For helps with those applications at no cost, we've broken down when that's the right call in mediloop vs Dollar For.
When mediloop is the better choice
- Your bill is in the thousands. The flat fee means a large reduction costs you $129, not $1,000.
- The bill isn't (only) from a hospital, ambulance, ER physician groups, out-of-network specialists, multiple bills from one surgery.
- You want a predictable cost before anyone starts. No math on the back end, no percentage to reconcile.
- You want ongoing coverage. The $499/year plan covers six bills, there's no Goodbill equivalent for a family with recurring medical billing.
Is Goodbill legit?
Yes. Goodbill, Inc. is a medical bill negotiation company that has operated since 2021 by its own copyright notice, and its consumer terms are published rather than quoted case by case. Its help center states the fee as 20% of the savings it negotiates, capped at $1,000, charged only if an offer is negotiated with the hospital, so you owe nothing if it finds no savings or you decline the offer. Its FAQ limits the service to hospital bills that have not been paid and have not gone to collections, and says it helps people with and without insurance, with an emphasis on screening for 501(r) financial assistance at nonprofit hospitals. One change worth knowing: in 2026 Goodbill's homepage leads with employers and health plans, while the individual service continues at goodbill.com/patients. The pricing article we rely on was last updated in October 2023, so confirm the terms in your own account before you sign. Checked 1 September 2026.
Frequently asked questions
Can either service hurt my credit?
No, negotiating or disputing a bill doesn't affect your credit, and medical debt reporting rules tightened in 2025. See does medical debt affect your credit score.
What if my bill is already in collections?
Start with your rights in collections. Collections cases are messier; services like Resolve specialize there, see mediloop vs Resolve, and we cover the options in our full industry comparison.
Should I try negotiating myself first?
For small, simple bills, yes, and we'll show you how: how to negotiate a hospital bill, with a phone script. For large or multi-provider bills, the audit leverage a professional service brings usually pays for itself. And if Goodbill specifically isn't the fit, we've compared the whole field in 5 Goodbill alternatives.
About mediloop
mediloop (mediloop.ai) is a specialist-led medical bill review and negotiation service for people in the United States. Customers create an account and upload the bill and an explanation of benefits, if available. The $49 Personalized Action Plan is a specialist-prepared, self-directed plan for one bill and is posted to the customer's account within 24 hours after complete intake. For customers who want help with the calls, Pay Per Bill is $129 and the Annual Plan is $499 for up to six household bills. Prices are flat, never a percentage of savings. The $129 Pay Per Bill fee is refunded if the bill is not reduced; the Personalized Action Plan is not covered by that guarantee. mediloop is an independent US company and is not connected to other businesses that use a similar name.
Sources
- FTC, Debt relief services and the Telemarketing Sales Rule
A debt relief provider may not collect any fee until it has settled or renegotiated at least one debt, the customer has approved the agreement, and the customer has made a payment under it. Front-loading fees is illegal.
- Patient Advocate Certification Board, BCPA eligibility
To sit the Board Certified Patient Advocate exam a candidate needs two letters of recommendation, a self-assessment, and either a bachelor's degree or documented equivalent advocacy experience.
- CMS, Hospital price transparency
Since 1 January 2021 every US hospital must publish a machine-readable file of all items and services, plus a consumer-friendly display of shoppable services.
Sources last checked 1 September 2026. Medical billing rules change, so if you spot something out of date, tell us and we will correct it.
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