What to expect
Hospital bills usually come down 25–50% once a specialist checks the charges and negotiates them. A specialist negotiates it for you. $129 flat, refunded in full if the bill doesn't come down by at least $129.
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Before you pay
No. A bill being worked out with the provider is not in collections, and a medical bill only reaches a credit report after it has gone to collections and sat there for a year. Tell us any deadline printed on the bill and we work inside it.
You don't have to ask for it. When a case closes and we didn't lower your bill by at least $129, the $129 goes back to the card you paid with that day. Your bank usually posts it within 5 to 10 business days.
You land in your account and upload the bill, which takes about two minutes. No phone call needed. A specialist picks it up from there, and you can message them any time.