Understand. Negotiate. Pay. Without the stress.
MedPayHub gathers every bill from every provider, checks them against your insurance, and helps you dispute the overcharges — so you only pay what you actually owe.
Free to start · No provider opt-in needed · Your data stays yours
AI Bill Audit
City General Hospital · Visit 03/12
- $145
CPT 80053
Metabolic panel
- $842
CPT 99214
Office visit · Duplicate Charge
Flagged error · $842 potential savings - $1,900
CPT 70450
CT scan, head
- $210
CPT 93000
EKG
Medical bills are confusing on purpose. You don't have to face them alone.
Hospital bills are frequently wrong — duplicate line items, upcoding, and out-of-network surprises are common, and they almost always favor the provider. Most people just pay, because disputing a bill means hours on hold. Meanwhile, the 21st Century Cures Act gives you a federal right to your own claims data — the exact information you need to push back. MedPay Hub turns that right into results.
Get your hours back
No more afternoons lost to hold music and billing departments. A specialist makes the calls and chases the paperwork so you don't have to.
Peace of mind
One person owns your case from first call to final number, and keeps you posted at every step. You stop dreading the mailbox.
Money back in your pocket
We check every charge against fair-price benchmarks, flag the errors, and negotiate the rest down — you keep what we recover.
See what you could be owed
Move the slider and pick your coverage to estimate likely overcharges and what our AI could recover.
Likely overcharged amount
$500~80% anomaly-detection confidence
Projected AI negotiated savings
$17530–40% recovered on flagged errors
Estimated final balance
$2,325Illustrative estimate based on typical billing-error rates — not a quote. Your actual savings depend on your specific bills and coverage.
A billing command center
Precision tooling for every step — read, secure, optimize, and negotiate.
Raw hospital statement
HC*PCS 99214..ROOM&BRD 0450 ADJ*2
LAB/80053..QTY2 *DUP* 145.00 //
RAD 70450 CT-HD NOCONTR 1,900.00
PHRMCY J-CODE 0636 ....... 88.21
BAL FWD ***UNRECONCILED*** 4,283
Parsed & reconciled
- Office visitMatched
- Lab panelDuplicate
- CT scanOvercharge
Every charge decoded from chaotic statements into a clean, benchmarked breakdown with color-coded status tags.
Secure Vault
Your records are encrypted at rest, isolated per user, and never sold.
HSA/FSA Optimization
Know which expenses are eligible and spend pre-tax dollars before you pay.
Requesting itemized bill + EOB reconciliation.
From confusing bill to settled — in five steps
Press play, or tap a step, to watch it happen inside the portal. No spreadsheets, no hold music.
Reading your bill…
Reading your bill…
Who saves the most
MedPay Hub helps almost anyone with a medical bill — but these folks see the biggest wins.
High-deductible plans
You pay the first few thousand out of pocket — so every error costs you directly.
Surprise & out-of-network bills
Unexpected charges are where billing mistakes hide most often.
Surgery, ER, imaging or a hospital stay
Big-ticket bills have the most room to recover — and the most line items.
Balances over ~$500 or in collections
Larger balances clear the math easily, even at a flat fee.
Carrying medical debt
We dispute what's wrong and negotiate the rest down to something fair.
Caregivers & families
Managing bills for parents, kids, or a spouse — all in one hub.
How you actually save
On bills that contain errors or overcharges, we typically recover 20–30%. The rule is simple:
What we recover > what you pay = you win
You only pay when we save you money — if our negotiation doesn't beat your fee, we refund it.
- One big bill? Use the flat negotiation service ($47.99 during our launch offer). You come out ahead the moment we recover more than the fee.
- Ongoing care or a family? A subscription pays off once what we recover over the year beats the plan's annual price — and you keep 100%, no savings share.
- We recover
- $300
- You pay
- −$47.99
- You keep
- $252.01
- We recover (you keep all)
- $600
- You pay (yearly)
- −$156
- You're ahead
- $444
Illustrative examples. Recovery varies by bill and isn't guaranteed; savings depend on the errors and overcharges found.
Got a big medical bill? Let an expert negotiate it.
Don't want to fight the billing department yourself? Hand us your bills and a specialist negotiates them down on your behalf — a simple per-bill fee, no hourly rates and no surprises.
Upload your bill
Our AI reads the provider, where to pay, and the amount you owe.
Confirm the details
Check what we found and add anything we should know.
We negotiate it down
A real specialist works your bill — you don't lift a finger.
Bill negotiation
Launch offer · 40% off- A specialist assigned to your bill
- We contact the provider or billing office for you
- Itemized-bill & error review
- Updates by email at every step
You only pay if we save you money. If our negotiation doesn't beat your fee, we refund it. Best-effort; results vary.
Subscription plans — coming soon
Our automated audit, dispute, and negotiation plans are on the way. Join the waitlist to get early access and founding-member pricing. Need help with a bill today? Our negotiation service is available now.
Enterprise
Coming soonFor employers, brokers, and TPMs: bill-resolution programs for your whole population, with admin controls, SSO, and volume pricing.
Cancel anytime. Paid plans have no savings share — you keep 100% of what we recover. Want a person to handle one bill instead? Try our flat-fee negotiation service.
Be first to access MedPayHub
Join the waitlist now and lock in 50% off when subscriptions launch — plus early access and founding-member perks.
Institutional-grade infrastructure, actively monitored
HIPAA Compliant
Architecture
Encrypted
In transit & at rest
FHIR
Interoperability Ready
Stripe
Secure Payments
Frequently asked questions
Everything you need to know about disputing and negotiating your medical bills.
How do I dispute a medical bill?
Upload your bill to MedPayHub and our AI checks it for errors and overcharges against fair-price benchmarks and your insurance EOB. You get a ready-to-send dispute letter for free — or a specialist can dispute and negotiate the bill for you.
How do I know if my medical bill has errors?
MedPayHub compares each charge and CPT/procedure code on your bill against typical fair prices and your Explanation of Benefits, then flags likely overcharges, duplicate charges, and amounts billed well above the going rate.
Can you negotiate a hospital bill for me?
Yes. With our bill-negotiation service a real specialist negotiates your bill down on your behalf — during our 40%-off launch offer it's $47.99 for one bill (normally $79.99), $90 for two, and $9 per additional bill. It's best-effort and results vary, but you only pay if we save you money — if we don't beat your fee, we refund it.
How much does MedPayHub cost?
Organizing and reviewing your medical bills is free. The done-for-you negotiation service starts at $47.99 for one bill during our launch offer (normally $79.99). Automated audit, dispute, and negotiation subscription plans are coming soon — join the waitlist for early access.
Is my health and billing data safe?
Your data is encrypted in transit and at rest, isolated to your account with row-level security, and never sold. We follow HIPAA-focused security and privacy practices — see our HIPAA Notice and Privacy Policy for details.