Lower the medical bill you still owe

Upload your bill. CareRoute reviews billing and insurance errors, negotiates with providers and collectors, and pursues available ways to reduce your balance. We handle the follow-up for you.

Upload my bill

Takes under a minute. Upload a photo or PDF.

$0 upfront. If we reduce your bill, our fee is 25% of savings, capped at $1,000.

30%+

Average bill reduction*

Upfront cost

25%

Of savings, max $1,000

*Savings are not guaranteed. Average reduction and individual results vary by provider, insurer, bill status, eligibility, and documentation.

What we do for you

Review what you owe after insurance

We check your patient balance against your EOB, deductible, coinsurance, and other cost-sharing.

Find billing errors and overcharges

Duplicate charges, upcoding, unbundling, and services billed but not provided.

Correct insurance processing issues

We investigate denials, underpayments, and incorrect cost-sharing, then work with the provider or insurer to correct them.

Negotiate directly with providers

We pursue provider-approved discounts and paid-in-full settlements to lower your balance.

Negotiate eligible bills in collections

If your medical bill has reached a collector, we can verify the balance and pursue a settlement.

Pursue every relevant reduction path

We request records, manage follow-ups, and screen for financial assistance when it may help.

How it works

STEP 1

Upload your bill

Takes under a minute. Just your bill details and a photo.

STEP 2

We identify paths to reduce it

Billing errors, insurance corrections, negotiated discounts, settlements, and financial assistance.

STEP 3

We handle the follow-up

We contact billing offices, providers, insurers, and collectors on your behalf.

STEP 4

You get updates

You stay informed. You only pay if your bill is reduced.

Upload my bill

Recent results

Saved $1,600

“This is great, I did not expect my bill to come down by $1,600!”

— Anthony A.

Saved $4,300

“Saved $4,300 on my child’s hospital bill.”

— M.G.

Bill reduced

“Thank you so much for reducing my bill! This is such a great service. I appreciate all the efforts and communications.”

— S.A.

Works on these bill types

Hospital bills

ER bills

Lab bills

Imaging bills (MRI, CT, X-ray)

Surgery and procedure bills

Physician and specialist bills

Patient balances after insurance

High-deductible and coinsurance bills

Bills that don’t match your EOB

Medical bills in collections

Bills with charges you want verified

Bills from multiple providers for one visit

Pricing

No upfront cost. If CareRoute helps reduce your final patient responsibility, our fee is 25% of the reduction, capped at $1,000. If we cannot find a path to reduce your bill, you owe nothing.

Example: Your $3,500 bill is reduced to $2,500, saving you $1,000. Your fee is $250. For larger reductions, the fee is capped at $1,000 regardless of how much we save.

Frequently asked questions

What do I need to get started?

Just your bill (a photo or PDF works). If you have your Explanation of Benefits (EOB), that helps too, but it is not required. If we need additional records, we request them from your provider on your behalf.

How long does it take?

Uploading your bill takes under a minute. The full process typically takes 2 to 8 weeks depending on provider and insurer response times. We keep you updated throughout.

Can you help if I am uninsured?

Yes. Uninsured patients often have the most opportunities for reduction through self-pay discounts and hospital financial assistance programs. Some programs cover up to 100% of the bill depending on income.

What if you cannot reduce my bill?

You owe nothing. There is no fee unless your bill is reduced.

Do I need to make any phone calls?

No. After you upload your bill, we handle all communication with billing offices, providers, and insurers. You receive updates and approve any final outcomes.

Can you help with insurance claim issues?

Yes. We review denials, underpayments, incorrect cost-sharing, and deductible application. Depending on the issue, we work with the provider to correct and rebill the claim or follow up with the insurer.

Can you help if my medical bill is in collections?

Yes. For eligible medical bills, we can contact the collector, verify the balance, and pursue a negotiated settlement. We do not provide financing or set up payment plans.

Ready to get help with your bill?

Upload your bill in under a minute. No upfront cost, and no fee unless we reduce it.

Upload my bill

What CareRoute is not

CareRoute is a patient advocacy service. We are not a lender, credit counseling agency, credit repair company, or law firm. We do not offer loans, set up payment plans, provide credit repair, or provide financial planning services. We help identify and pursue corrections, negotiated reductions, settlements, financial assistance, and other available options on your behalf.