mediloop and Resolve both 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, how big your bill has to be before they'll take it, and how hands-on the process feels. Here's the honest head-to-head.
Quick answer
mediloop publishes a $129 flat Pay Per Bill price with a money-back guarantee and assigns a dedicated case specialist. Resolve targets people owing $5,000 or more, assigns a dedicated advocate, and publishes a $249-$499 deposit plus a success fee. Resolve also explicitly accepts bills already in collections. Choose based on the full fee, bill eligibility, and how complex the case is—not on a promised reduction.
Full disclosure up front: this comparison is written by mediloop, so we have an obvious stake in it. We've kept every Resolve fact checkable against its official pricing FAQ and service page, and mediloop's terms against its pricing page. We also tell you plainly below when Resolve is the better pick. Fees are as advertised on August 26, 2026, and can change. Confirm current terms with each service before paying.
mediloop vs Resolve at a glance
| mediloop | Resolve | |
|---|---|---|
| Pricing model | Flat fee, $69 EOB review, $129 per bill, $499/yr | % of savings, 10-25%, tiered by bill size |
| Upfront cost | $129 flat (refunded if no reduction) | $249-$499 deposit (credited to fee; refunded if no savings) |
| Published bill minimum | None stated; confirm case fit | $5,000+ |
| If nothing is saved | 100% money-back (per-bill plan) | Deposit refunded |
| Bill types | Hospital, ER, surgery, ambulance and out-of-network | Provider and insurer issues; new bills or collections |
| Bills in collections | Contact mediloop before paying | Yes |
| How it works | Dedicated case specialist; specialist-led review and negotiation | Dedicated medical bill advocate |
Resolve terms were verified against its official pricing FAQ and service pages on August 26, 2026. mediloop terms were verified against its pricing page on the same date. Terms can change.
What's the same
Both services offer medical-bill review and negotiation rather than generic debt consolidation. mediloop's published Pay Per Bill plan includes an itemized-bill audit, direct provider negotiation, and a dedicated case specialist. Resolve says its advocates may combine insurance appeals, financial assistance, and provider negotiation. Both describe an outcome-based protection if they find no reduction, but the pricing models after a successful outcome are very different.
Pricing and cost examples
mediloop's Pay Per Bill price stays at $129 when the reduction changes. Resolve's final fee is based on the result and the original bill size. Resolve publishes these terms:
- $5,000-$15,000 bills: $249 deposit, credited to the final fee; 25% of savings. If savings are below $4,000, the fee is the lower of $1,000 or 50% of savings.
- Bills over $15,000: $499 deposit, credited to the final fee; 10% of savings. If savings are below $25,000, the fee is the lower of $2,500 or 50% of savings.
| Original bill | Reduction found | mediloop fee | Resolve fee |
|---|---|---|---|
| $10,000 | $2,000 | $129 | $1,000 |
| $10,000 | $6,000 | $129 | $1,500 |
| $20,000 | $12,000 | $129 | $2,500 |
| $50,000 | $30,000 | $129 | $3,000 |
Illustrations use each company's published pricing on August 26, 2026. Resolve's deposit is credited to the fee, not added on top. Savings are examples, not forecasts or guarantees.
The practical difference is predictability. A flat fee tells you the cost before work begins. A success fee lowers the upfront risk but changes with the result and may trigger a minimum-fee formula. Compare the total fee on a few possible outcomes before choosing. For the wider market, see our comparison of medical bill negotiation services.
mediloop's $129 Pay Per Bill price is fixed upfront and refunded if the final negotiated bill is not lower than the original amount.
Let us make the callBill minimums and scope
Resolve's service page is explicit: it targets people owing $5,000 or more, across insured and uninsured situations, and accepts new bills or bills in collections. Its FAQ says advocates may work with providers and insurers through appeals, financial assistance, and negotiation.
mediloop publishes a $69 EOB Review and a $129 Pay Per Bill plan for hospital, ER, surgery, ambulance, and out-of-network bills. Its pricing page does not state a bill minimum. For a bill already in collections, contact mediloop before paying so the team can confirm fit; Resolve publicly lists collections cases.
Deposits, guarantees, and risk
Both models require an upfront payment, but the final-cost rules differ:
- Resolve: a $249-$499 deposit up front, credited against the success fee. If no savings are found, the deposit is refunded. If savings are found, the final fee follows the applicable percentage and minimum-fee rules.
- mediloop: $129 up front with a money-back guarantee. If the final negotiated bill is not lower than the original amount, the Pay Per Bill fee is refunded. If it is reduced, the fee remains $129.
When Resolve is the better choice
Honest answer, pick Resolve if:
- Your bill is already in collections. Resolve works collections cases as a specialty; we don't. Start with your rights in collections, then talk to them.
- Your case involves provider and insurer issues and you want a dedicated advocate to evaluate appeals, financial assistance, and negotiation together.
- You value the consultation-first model and don't mind that the final fee depends on how much gets saved.
When mediloop is the better choice
- You want to compare a bill below Resolve's published $5,000 threshold. Confirm mediloop accepts the case before paying.
- You want a fixed price rather than a success fee. The Pay Per Bill price stays $129 if the bill is reduced.
- You want a predictable cost before anyone starts, no percentage to reconcile after the fact, no deposit math.
- You want ongoing coverage. The $499/year plan covers six bills, useful for a family with recurring medical billing.
Frequently asked questions
Is Resolve Medical Bills legit?
Yes. Resolve is an established advocacy service with dedicated human advocates, and its deposit is refunded if it can't find savings. This comparison is about fit and fees, not legitimacy.
How does Resolve compare to Goodbill?
Goodbill publishes a 20%-of-savings fee capped at $1,000 and focuses on hospital bills. Resolve publishes tiered fees and accepts collections cases. Confirm both providers' current terms, then see our mediloop and Goodbill head-to-head comparison in mediloop vs Goodbill.
Can either service hurt my credit?
Hiring an advocate does not itself change your credit file. An unpaid account can still move through collections, so ask each service what you must do while the case is open. See how medical debt can affect your credit score.
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 a large or multi-provider bill, compare the likely benefit with the full fee and try free hospital financial assistance before paying for help.
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.
- KFF Health Care Debt Survey
41% of US adults reported currently carrying health care debt, and 44% of those with debt said they had not paid because they were not sure the bill was accurate. Nationally representative survey of 2,375 adults, fielded February to March 2022.
Sources last checked 26 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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