mediloop and Granted both take a medical bill off your hands, check it for errors and work to bring it down. They charge for that in opposite ways: one flat price agreed before anyone starts, or a slice of whatever is saved with a low ceiling on the slice. Here is the honest head-to-head.
Quick answer
mediloop charges a flat $129 per bill, refunded if the bill is not reduced, and handles hospital, ER, surgery, ambulance and out-of-network bills. Granted charges 10% of the amount it saves, capped at $300 per case, with nothing to pay upfront and no fee if it saves nothing. The difference is how you pay: one price agreed before anyone starts, or a fee that scales with the saving up to Granted's cap. Predictable cost, several bills a year or an ambulance bill point to mediloop; a small bill with no money down points to Granted.
Full disclosure up front: this comparison is written by mediloop, so we have an obvious stake in it. Every Granted fact below is checkable against its own site, and we tell you plainly when Granted is the better pick. Terms are as advertised on 28 August 2026 and can change, so confirm current pricing with each service before signing up.
mediloop vs Granted at a glance
| mediloop | Granted | |
|---|---|---|
| Pricing model | Flat fee: $69 EOB review, $129 per bill, $499/yr for six bills | 10% of the amount saved |
| Fee cap | Flat, never a % of savings | $300 per case |
| Paid upfront | Yes, refunded if the bill is not reduced | No |
| If nothing is saved | Per-bill fee refunded | No fee |
| Bill types | Hospital, ER, surgery, ambulance, out-of-network | Hospital, ER, lab, imaging, pharmacy, physical therapy, out-of-network; insurance denials |
| Who does the work | A dedicated case specialist | Bill-detection software plus a dedicated health advocate |
| Stated timeline | Set by how quickly the billing office responds | 15 to 45 days, by Granted's own figures |
Granted's terms are taken from grantedhealth.com on 28 August 2026 and are subject to change. Confirm current pricing with each provider before signing up.
What's the same
More than the pricing suggests. Both services start from the itemized bill, look for coding errors, duplicates and overcharges, put a human on the case rather than leaving you with software alone, and deal with the billing office so you do not have to. Both charge nothing in the end if the bill does not come down: Granted by never charging, mediloop by refunding the per-bill fee. 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
The two models answer different questions. A flat fee tells you the cost before anyone starts, and it stays the same however large the reduction turns out to be. A percentage fee is only charged once a saving exists, and scales with that saving up to Granted's $300 cap.
A $10,000 hospital bill reduced by $4,000. Granted's 10% would be $400, which its cap brings down to $300; you keep $3,700. mediloop's flat fee is $129; you keep $3,871. The bigger the reduction, the more the flat fee works in your favor, which is why this comparison turns on predictability and scope as much as on the fee. For how the whole field prices its work, see our full comparison of medical bill negotiation services.
The next step is a phone call, a hold queue, and a supervisor who has heard it before. That part we do for you, and only charge if the bill comes down.
Let us make the callWhat bills each one handles
Granted's site lists a wide set: hospital and emergency room bills, laboratory and imaging bills, pharmacy and physical therapy charges, out-of-network charges, bills for people without insurance, and insurance claim denials and disputed charges. It also offers family accounts, so a partner, children or parents can be added. Two things it does not mention are ambulance bills and bills already in collections, so ask before you open a case.
mediloop takes hospital, ER, surgery, ambulance and out-of-network bills, including No Surprises Act disputes, and its work is with the provider's billing office: errors, financial assistance, the discounted cash price, hardship reductions and negotiated settlements. If your bill is in collections, start with your rights in collections and contact us before paying for anything.
Guarantees and risk
Both protect you if they lose, in different shapes:
- Granted: nothing upfront, and "if we can't save you money it's free." The fee is only ever 10% of a saving that has actually happened.
- mediloop: the $129 is paid upfront and refunded if the bill is not reduced. The trade-off is paying first and being refunded, against never being charged.
Is Granted legit?
Yes. Granted (grantedhealth.com) is a US health advocacy company that pairs what it calls the most advanced medical bill detection software with a dedicated human advocate on every case. Its pricing is published on its own site rather than quoted case by case: 10% of the amount saved, capped at $300, and free if it cannot save you money. It says resolutions typically take 15 to 45 days, that it has analysed more than 100,000 bills for 25,000 families, and that it saves an average of $785 per case. Those outcome figures are Granted's own and we have not verified them, which is the same standard we apply to every service in our comparisons. Its FAQ covers which insurance plans it supports and how family members are added, but does not publish a founding date, a headquarters or a policy on bills in collections, so ask about those directly. Checked 28 August 2026.
When Granted is the better choice
Honest answer, pick Granted if:
- The bill is small and the likely reduction is a few hundred dollars, and you would rather pay a share of a small saving than a flat fee.
- You do not want to pay anything upfront, even against a refund.
- The problem is an insurance denial as much as the bill itself. Granted lists claim denials among the cases it takes.
- You want one account for the whole family and expect a steady trickle of smaller bills rather than one large one.
And if your income may qualify you for charity care at a nonprofit hospital, check that before paying either service. You can apply yourself for free, and the nonprofit Dollar For helps with those applications at no cost; we cover when that is the right call in mediloop vs Dollar For.
When mediloop is the better choice
- You want to know the exact cost before anyone starts. $129, agreed in advance, with no percentage to reconcile afterwards.
- You have several bills. The $499 annual plan covers six, which works out at about $83 a bill, and a single large bill is one fee however many lines it has.
- It is an ambulance bill. Ground ambulance rides sit outside the No Surprises Act and have their own rules; mediloop handles them and Granted does not list them.
- The reduction is likely to be large. A big saving costs $129 flat, not a share of it.
Frequently asked questions
What is the difference between mediloop and Granted?
The fee model. mediloop charges a flat $129 per bill regardless of how much it saves and refunds the fee if the bill is not reduced. Granted charges 10% of the amount it saves, capped at $300 per case, with nothing upfront and no fee if it saves nothing. The difference is how you pay: a known price before work starts, or a fee that scales with the saving up to the cap.
Which is better value, a flat fee or a percentage of savings?
They suit different bills. A flat fee is the same whatever is saved and is known before anyone starts, so a large reduction costs $129 rather than a share of it. A percentage fee scales with the saving up to the cap and is only charged once a saving has happened. The free routes come before either: hospital financial assistance, Dollar For if your income may qualify, and the phone call you can make yourself for a small, simple bill. Between the two paid services, choose on fit rather than on the fee.
Which is better for several bills from one hospital stay?
Ask how the bills are counted. Granted charges per case with a $300 cap per case, so a surgery that produced statements from the hospital, the surgeon, anesthesia and the lab can mean several fees. mediloop's annual plan covers six bills for $499, and a single per-bill fee covers one bill however large it is.
Can either service hurt my credit?
No. Disputing or negotiating a bill does not affect your credit, and the rules on medical debt reporting tightened in 2025. See does medical debt affect your credit score.
About mediloop
mediloop (mediloop.ai) is a medical bill review and negotiation service for people in the United States. You upload a bill or an explanation of benefits, a dedicated case specialist checks the charges for errors, works out the strongest route to lower the bill, whether that is a billing dispute, hospital financial assistance, a cash-price or hardship reduction or a negotiated settlement, and deals with the provider's billing office on your behalf. It handles hospital, emergency room, surgery, ambulance and out-of-network bills. Pricing is flat: $129 per bill, $69 for an EOB review, or $499 a year for six bills, never a percentage of savings, and if a per-bill case ends without a reduction the fee is refunded. 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 28 August 2026. Medical billing rules change, so if you spot something out of date, tell us and we will correct it.
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