Free tools
Five free tools for anyone holding a U.S. medical bill. No sign-up, and nothing you type is sent anywhere — they run entirely inside your own browser.
Am I likely to qualify for hospital financial assistance?
Enter your household size, income and state to see where you land against the 2026 federal poverty guidelines — the yardstick nearly every hospital assistance policy is written against.
Open the checker →How long do I have before collections?
Enter the date on your first bill from a nonprofit hospital and see the two federal deadlines that protect you: the 120-day collections hold and the 240-day window to apply for assistance.
Calculate my deadlines →Which protection actually applies to me?
Answer five quick questions about your bill and get the specific federal lever that fits your situation — and exactly what to ask for in writing.
Find my leverage →What should this hospital stay cost?
Look up any inpatient procedure and see what hospitals billed Medicare versus what was actually paid — the benchmark to anchor a written request.
Look up a cost →What should I be checking on this bill?
A working checklist of the errors that actually turn up on hospital bills — duplicates, upcoding, wrong dates, services never received — with what to write for each one.
Open the checklist →