Phase One
We build your complete case before making a single call.
Most patients never see their itemized bill — only the summary statement. Our advocates request the full line-by-line record directly from your provider's billing department. This document is the foundation of everything that follows. Without it, you cannot know what you're actually being charged for, and you cannot effectively dispute anything.
Every procedure billed is identified by a Current Procedural Terminology (CPT) code. Our team cross-references each code against Medicare's Physician Fee Schedule and the hospital's own published chargemaster rates. We identify upcoding, duplicate charges, unbundling violations, and services billed that were never rendered. Hospital billing error rates exceed 80% in independent audits.
The IRS requires all nonprofit hospitals — more than 60% of US hospitals — to maintain financial assistance programs under Section 501(r). A family of four earning up to approximately $111,000 per year typically qualifies. We screen your eligibility against the specific hospital's policy and apply on your behalf — this step alone can eliminate 50–100% of your balance before negotiation begins.
The federal No Surprises Act prohibits most forms of surprise billing for emergency care, out-of-network providers at in-network facilities, and air ambulance transport. When violations are confirmed, we file formal complaints with the HHS Office of Civil Rights simultaneously with our dispute filing — a combination that forces rapid compliance.
At the conclusion of Phase One, you receive a written Medical Bill Analysis Report detailing every finding — errors identified, rights established, charity care eligibility confirmed, and the strategy our advocates will execute in Phase Two. You know the complete picture before we take any action on your behalf.
Output of Phase One
A written document detailing every error found, your legal rights, charity care eligibility, and the exact strategy our advocates execute in Phase Two. You see everything before we act.
Phase Two
We take over completely. You make zero phone calls.
Our advocates file formal written disputes with the provider's billing department, documenting every identified error with supporting evidence — itemized bills, CPT code benchmarks, EOB discrepancies, and applicable legal citations. Written disputes create an enforceable paper trail that providers are legally required to respond to.
When Phase One confirms charity care eligibility, we submit a complete financial assistance application on your behalf. This requires specific documentation submitted in the precise format the hospital requires. Incomplete applications are routinely denied on technical grounds. Our advocates know each hospital's process and ensure every application is complete, compliant, and correctly routed.
Our advocates contact your hospital's billing department directly and present documented findings to the individuals authorized to make settlement decisions. We use objective benchmark data — Medicare reimbursement rates, regional settlement averages, and the hospital's historical patterns — as negotiation leverage.
When your insurer has improperly denied a claim, misapplied your benefits, or failed to correctly process a No Surprises Act claim, our advocates file formal internal and external appeals. We prepare complete, documented appeal packages and track every deadline — because missed deadlines are the most common reason valid appeals fail.
Resolution is not complete until we have written confirmation. Once a settlement is reached, our advocates secure a signed settlement agreement. After payment is made, we obtain a zero-balance letter confirming the account is paid in full and permanently closed — protecting you from any future collection attempts.
End Result
A signed settlement agreement and a zero-balance letter confirming the account is permanently closed. This documentation protects you from any future collection activity on the same account.
Your Role
Most patients spend weeks on hold with billing departments, getting nowhere. MedErase takes that off your plate entirely.
We handle all direct communication with your hospital, insurer, and any collection agencies.
We request, review, and file every document — itemized bills, disputes, charity applications, and appeals.
We present documented findings directly to billing decision-makers. You never face them alone.
You receive a written analysis before any negotiation begins — so you always know exactly where things stand.
Our fee is based entirely on what we save you. If we don't reduce your bill, you owe us nothing.
From intake to zero-balance letter, our advocates own the entire process until it's fully closed.
Timeline
Most cases resolve within 4–6 weeks from start to written settlement.
Your advocate reviews your situation, assesses the bill, and confirms the path forward.
We submit a formal records request and place a billing hold to protect your account from collection activity.
CPT audit, charity care screening, and No Surprises Act review completed. Medical Bill Analysis Report delivered.
Written disputes submitted for every identified error. Charity care applications filed simultaneously.
Direct negotiation with your provider. Insurance appeals filed in parallel when applicable.
Settlement agreement executed. Zero-balance letter obtained. Case permanently closed.
Your first consultation is free. Tell us about your bill — our advocates handle everything from there.