Bill Defense: Expert Medical Bill Negotiation
Our team negotiates with providers on your behalf.
How Bill Defense Works
Simple process, expert results
1. Upload Your Bill
Submit your bill through our secure form with any special notes or circumstances.
2. We Review & Negotiate
We review your bill, gather any missing documentation, and create a negotiation letter for your approval before contacting the provider.
3. You Save Money
You pay 18% of what we save you (12% for CareRoute Premium members), capped at $1,000. No upfront cost, no risk.
We'll review your bill and respond within 24 hours with a formal agreement and next steps.
Bill Defense — Frequently Asked Questions
Do I need an itemized bill to use Bill Defense?
We need the itemized bill to spot any overcharges and negotiate a lower bill. If you don't have one, our Bill Defense team will request it from your provider on your behalf as part of the process.
How much do people typically save?
Savings vary widely by insurer, provider, and documentation quality. Many users report double‑digit percentage reductions after correcting errors, applying assistance, and negotiating. Results are not guaranteed.
How long does the process take?
We respond within 24 hours with a formal agreement. The full negotiation process typically takes 2-3 months depending on provider response times.
Can I still use Bill Defense if I am uninsured?
Yes. Our team will explore self‑pay discounts, financial assistance (charity care), and income‑based programs on your behalf. Many hospitals have written financial assistance policies that we can help navigate.
Will using Bill Defense affect my credit?
Medical providers typically do not report directly to credit bureaus, but collection agencies may. Our team requests billing holds during disputes and ensures all agreements are documented in writing to reduce collection risks.
Do I need my Explanation of Benefits (EOB)?
We need it to identify any insurance processing errors. This can be downloaded from your insurer's portal. Our team can also assist you with getting this from your insurer.
How much does it cost?
Bill Defense charges 18% of savings (12% for CareRoute Premium members) with a $1,000 cap. No upfront costs and no fee if no savings are realized.