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 charges a flat fee ($129 per bill) with a 100% money-back guarantee, has no bill minimum, and handles hospital, ER, surgery, ambulance, and out-of-network bills. Resolve assigns a dedicated human advocate, charges a tiered 10–25% of savings plus a $249–$499 deposit (credited toward the fee), generally takes bills of $5,000 and up, and is particularly strong on complex cases — including bills already in collections. Big expected reduction? The flat fee works in your favor. Messy collections case? Resolve has the specialty.
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 their own published FAQ and terms, and we tell you plainly below when Resolve is the better pick. Fees are as advertised at the time of writing (July 2026) and can change — confirm current terms with each service.
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) |
| Bill minimum | None | Generally $5,000+ |
| If nothing is saved | 100% money-back (per-bill plan) | Deposit refunded |
| Bill types | Hospital, ER, surgery, ambulance, out-of-network | Hospital and complex bills, incl. collections |
| Bills in collections | Not a specialty — see our collections guide | Yes — a core strength |
| How it works | AI (Agent Loop) + RN / certified coder review | Dedicated human advocate, consultation-based |
| Typical resolution | Most cases close in ~14 days | Varies; high-touch cases take longer |
Terms as advertised in July 2026 and subject to change. Confirm current pricing with each provider before signing up.
What's the same
A lot. Both services request your itemized bill, audit every line for coding errors, duplicates, and overcharges, screen you for hospital financial assistance, and then negotiate directly with the provider's billing department. Both protect you if they can't win — mediloop with a money-back guarantee, Resolve with a refunded deposit. 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.
- Resolve: a $10,000 bill falls in the $5,000–$15,000 tier — a $249 deposit, then a success fee of 25% of savings. 25% of $6,000 is $1,500 (the deposit counts toward it). You keep $4,500.
- mediloop: flat $129. You keep $5,871.
On a bigger bill the percentage drops but the gap stays wide: a $20,000 bill reduced by 60% saves $12,000. Resolve's 10% tier makes that a $1,200 fee (after a $499 deposit, credited); mediloop is still $129. And on the low end, Resolve's published terms include minimum-fee rules when savings come in small — on the $5,000–$15,000 tier, savings under $4,000 are charged the lower of $1,000 or 50% of what's saved. Save $1,500 and the fee is $750 — half your win.
The pattern: for virtually any bill Resolve accepts (remember the $5,000 minimum), its fee runs from several hundred to several thousand dollars, while a flat fee stays $129 no matter how large the reduction. Since average reductions on the bills we see run 60–80%, that difference compounds fast — which is exactly why we chose a flat fee. For fee models across the whole industry, see our full comparison of medical bill negotiation services.
Dealing with a bill right now?
Agent Loop investigates the charges, catches errors, and negotiates directly — so you don't have to make a single call. Average savings of 60–80%.
Bill minimums and scope
Resolve generally takes bills of $5,000 or more. That's a rational line for a high-touch, human-advocate model — but it leaves out the four-figure bills that most people actually get: the $1,800 ER visit, the $2,400 ambulance ride, the $3,500 imaging bill.
mediloop has no bill minimum. The flat $129 fee makes sense on any bill where the likely reduction clears a few hundred dollars, and the $69 EOB review catches errors on your EOB before you pay anything at all. Where Resolve reaches further: bills that have already gone to collections, which it works as a core specialty and we don't.
Deposits, guarantees, and risk
Both models are "pay something now, protected if it fails" — the shapes differ:
- Resolve: a $249–$499 deposit up front, credited against the success fee. If no savings are found, the deposit is refunded in full. The final cost, though, is unknowable until the case closes — it scales with your savings.
- mediloop: $129 up front with a 100% money-back guarantee — if we can't reduce your bill, you pay nothing. The number you see at the start is the number you pay, win small or win big.
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 is genuinely tangled — multiple insurers, denied claims stacked on appeals, months of back-and-forth — and you want one dedicated human advocate carrying it end-to-end on the phone.
- 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
- Your bill is under $5,000. Resolve's minimum rules it out; most medical bills people receive live exactly here.
- Your bill is large and the reduction is likely to be too. A $6,000 saving costs you $129, not $1,500.
- You want a predictable cost before anyone starts — no percentage to reconcile after the fact, no deposit math.
- You want it handled fast. Most mediloop cases close in about 14 days.
- 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 charges 20% of savings capped at $1,000 and focuses on hospital bills; Resolve charges a tiered 10–25% with no hard cap and takes complex and collections cases. We compare mediloop and Goodbill head-to-head in mediloop vs Goodbill.
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.
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.
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