01Bring every bill into one place
Snap a photo, drop a PDF, or connect your insurer. Hospital, lab and doctor bills land in one organized list instead of a kitchen drawer pile.
Your medical bill advocate
Your medical bills, checked by AI. Negotiated by experts.
MedPay Hub gathers every bill in one place, reviews each charge with AI, and helps you dispute the errors, so you only pay what you actually owe.
Free to start · No provider opt-in needed · Your data stays yours
AI read
5 line items · 4 codes
Flagged
Duplicate office visit
Example result
$842 recoverable
How it works
From a pile of bills to a lower balance, in three steps
Track. Organize. Pay. Stress less.
01
02AI reviews every line
Each code is explained in plain language, priced against public Medicare benchmarks, and checked for duplicates, unbundling and other common billing errors.
03We fight the bill for you
Dispute it yourself with the AI's findings, or hand it to a MedPay Hub specialist who contacts the billing office and negotiates the balance down.
AI at work
Watch our AI review a hospital bill
Medical bills are full of codes nobody explains. MedPay Hub's AI reads them line by line, checks the math and the prices, and tells you exactly what to question, in seconds.
Picks up the provider, visit date and every itemized charge from a photo or PDF.
MedPay Hub· AI bill review City General Hospital · Visit 03/12Billed $3,939
CPT 80053Comprehensive metabolic panel
$145
CPT 99214Office visit, established patient
$842
CPT 99214Office visit, established patient
$842
CPT 70450CT scan, head, no contrast
$1,900
CPT 93000Electrocardiogram (EKG)
$210
Example bill for illustration. Real reviews use your bill's codes and public Medicare benchmark data; results vary.
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.
A real specialist works your case
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% offfrom$79.99$47.99· per case
1 bill$47.99
2 bills$90
3+ bills$90 + $9 each
- A specialist assigned to your bill
- We contact the provider or billing office for you
- Itemized bill and error review
- Updates by email at every step
A real specialist works your bill on a best-effort basis. If we can't begin work on it, we refund your fee within 30 days. See our Refund Policy. Results vary; no specific savings are guaranteed.
Savings calculator
See what you could be owed
Move the slider and pick your coverage to estimate likely overcharges and what we could recover.
$2,500
$100$50,000
Likely overcharged amount
$500Based on typical billing error rates
Projected 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.
MedPay Hub
now
Good news: we found $842 in billing errors on your hospital bill.
Stress less
Open your mail without the dread
Billing errors are common, and most people never check. MedPay Hub checks every bill for you and only taps you on the shoulder when there's something worth your attention.
Good news comes to you
Get a notification when the AI spots an error or your specialist closes a case. No hold music required.
Hours back in your week
No decoding statements or chasing billing departments. The paperwork lives in one place.
Keep what we recover
Every dollar removed from your bill stays in your pocket.
Who saves the most
MedPay Hub helps almost anyone with a medical bill, but these people see the biggest wins.
High deductible plans
You pay the first few thousand out of pocket, so every error costs you directly.
Surprise and out-of-network bills
Unexpected charges are where billing mistakes hide most often.
Surgery, ER, imaging or a hospital stay
Big 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 with a flat fee.
Carrying medical debt
We dispute what's wrong and negotiate the rest down to something fair.
Caregivers and families
Managing bills for parents, kids or a spouse, all in one hub.
Honest math
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
Our fee is flat and upfront, so you know the cost before we start. If we can't begin work on your bill, 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.
Launch offer · $47.99$1,200 bill, 25% recovered
- We recover
- $300
- You pay
- −$47.99
- You keep
- $252.01
Illustrative example. Recovery varies by bill and isn't guaranteed; savings depend on the errors and overcharges found.
Founding members · early access
Be first to access MedPay Hub
Join the waitlist for early access to new features and founding member perks.
Institutional grade infrastructure, actively monitored
HIPAA-aligned
Architecture
Encrypted
In transit and 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 MedPay Hub 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?
MedPay Hub 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 launch offer it's $47.99 for one bill (normally $79.99), $90 for two, and $9 for each additional bill. It's best-effort and results vary. If we can't begin work on your bill, we refund your fee.
How much does MedPay Hub 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).
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.