Negotiate Your Medical Bills Know the Fair Price Before You Pay
Free medical debt negotiation tools with real hospital charge data, Medicare fair pricing, charity care screening, and payment plan optimization.
Fight Medical Debt with Data
Fair Price Estimator
What Medicare pays vs what you were billed. See the gap and know your negotiation floor.
Negotiation Target Calculator
Data-backed target amounts based on procedure codes, facility type, and your insurance status.
Payment Plan Optimizer
Model monthly payments against interest rates and compare to lump-sum settlement discounts.
Tax Deduction Modeler
Medical expenses over 7.5% of AGI are tax-deductible. See your actual tax benefit.
Charity Care Screener
Many hospitals must offer free or discounted care based on income. Check your eligibility.
Bankruptcy Threshold Analyzer
When does medical debt make Chapter 7 rational? Compare total debt burden to exemptions.