Cut your medical bill, prevent the next surprise
Most medical bills have room to come down. We fight yours for you, no fee unless we save you money, and help you find lower-cost care before the next one.
Prefer an app that remembers your history and tracks your costs over time? Get CareRoute for iOS or Android.
Got a medical bill? We fight it down.
Submit your bill in under a minute. Our Bill Defense team works directly with providers, finding billing errors, applying financial assistance, and negotiating discounts. No fee unless we save you money.
ER, Urgent Care, or Self-Care? Know Before You Go
CareRoute tells you whether your symptoms call for the ER, urgent care, a doctor visit, or safe self-care at home. Then shows what it will cost at each option near you.
ER or Urgent Care Guidance
ER, urgent care, doctor, or home, answered in 3 minutes
Cited in a peer-reviewed reviewOut-of-Pocket Cost Estimate
See your expected cost based on your insurance before you go
Lowest-Cost In-Network Providers
Compare in-network provider costs before you book
Even in-network, the same visit can cost ~4× more at one hospital than another
Medical Bill Reduction
After your visit: we find errors, apply assistance programs & negotiate your bill down
Smart Care Decisions = Major Savings
Toggle between what you might pay out-of-pocket and plan-negotiated totals.
Out-of-pocket example assumes an early-year ACA Bronze profile: deductible not met yet (pay 100% until $7,500), then 40% coinsurance, up to a $10,600 out-of-pocket max.
| Common Scenario | Without CareRoute | With CareRoute | You Save |
|---|---|---|---|
| UTI symptoms (antibiotics needed) | $1,500 ER visit | $150 Urgent care visit | $1,350 |
| Ankle sprain (no deformity, can bear weight) | $1,500 ER visit | $250 Urgent care + X-ray | $1,250 |
| Overnight hospital stay (in‑network) | $10,600 Hospital A (in‑network) | $9,300 Hospital B (same network) | $1,300 |
| Colonoscopy (in‑network) | $1,800 Hospital outpatient dept. | $1,100 Ambulatory surgery center (ASC) | $700 |
| MRI scan (in‑network) | $1,600 Hospital imaging dept. | $600 Imaging center (same network) | $1,000 |
| Potential Annual Savings | Based on typical usage | $1,000+ | |
Three ways we save you money: Avoid unnecessary ER visits + Choose lower‑cost sites of care (ASC, imaging centers) + Find lower‑cost in‑network hospitals for the same type of stay (even within the same network)
How CareRoute Reduces Your Healthcare Costs
Users Saving on Medical Bills & Healthcare Costs
Rated 4.9 stars across the App Store and Google Play
"It works. It identified my issue, suggested 3 nearby options, and estimated my costs. Great app."
H.Q. · TikTok
"I'm a nurse assisting elderly patients. It's seamless and user friendly, with helpful recommendations to get the exact info you need."
U.4797 · TikTok
"Smart and super helpful. Feels like a health assistant in my pocket. Highly recommended."
S.P. · Google Play
"One of the most incredible apps I've used. It's truly a handy tool."
E.P. · App Store
"The app is working well and the little details make it pleasing to use. I'm making an appointment with the info."
K.C. · TikTok
"Thank you so much for reducing my bill! This is such a great service. I appreciate all the efforts and communications."
S.A. · Email
Frequently Asked Questions
What is CareRoute?
CareRoute helps you pay less for healthcare. If you already have a medical bill, our Bill Defense service fights it down for you, finding errors, applying financial assistance, and negotiating with the provider, with no fee unless we save you money. Before care, free tools help you choose the right setting and avoid a surprise bill. It works on the web and as a free iOS and Android app.
Can CareRoute really lower my medical bills?
Yes. Our Bill Defense team negotiates directly with providers on your behalf, finds billing errors, and applies financial assistance programs to lower what you owe. We charge a percent-of-savings success fee with a cap, and if we do not save you money, there is no fee.
How much does CareRoute cost?
The tools are free to use. Bill Defense charges only when it saves you money, a percent-of-savings success fee with a cap, so no savings means no fee. An optional app subscription removes usage limits on the free tools and gives members a discounted Bill Defense rate.
What can CareRoute do before I get care?
Before your care, CareRoute helps you avoid the big bill: a clinically-validated symptom check (ER, urgent care, or home), an insurance-aware estimate of what a visit will cost, and a search for lower-cost in-network providers. See the Before Your Care page for all three.
How much can I save with CareRoute?
It varies by your plan, your bills, and local prices. On winning Bill Defense cases we save patients about $1,500 on average, and choosing lower-cost in-network care before a visit can save more. There is no fee unless we save you money.
Is CareRoute only for US users?
Bill Defense, insurance cost estimates, and financial-assistance features are US-specific. The symptom triage works for anyone deciding whether they need the ER, urgent care, or care at home.
Cut your medical bill, prevent the next surprise.
We fight the medical bill you already have, no fee unless we save you money, and help you find lower-cost care before the next one.