Six free tools

Tools that do the hard part for you

Write the letter. Catch the overcharge. Know what to say. Everything runs in your browser — nothing you type ever leaves your device.

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01

Records Request Letter
A HIPAA-compliant letter, plus the exact date your provider must legally respond by.

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02

Bill Error-Checker
Around 80% of bills contain an error. Find yours and get a dispute plan.

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03

Negotiation Toolkit
A realistic discount target and the exact words to use on the call.

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04

Second-Opinion Check
Tap what’s true for you and get a clear recommendation in thirty seconds.

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05

Question Builder
Build a printable list of questions to bring to your appointment.

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06

In-Network Check
Confirm a doctor really takes your plan before you book anything.

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One tap and we’ll take you to the right tool.

Why these are free

And exactly what happens to anything you type into them.

01Nothing is storedEvery tool runs in your browser. What you type is never transmitted. Close the tab and it’s gone.

02No signup, everNo account, no email wall, no unlocking a result. The whole tool works on first visit.

03Nothing to sell youWe don’t sell insurance and no provider pays for placement. See our editorial standards.

04Built on real sourcesRules and figures come from CMS, HHS, the IRS, KFF, and peer-reviewed research.

Guides that go with these

01How to read your medical billCPT codes, EOB comparison, your rights.
02How to negotiate a hospital billCharity care, scripts, discount targets.
03Transfer your medical recordsYour HIPAA rights and the 30-day rule.
04When to get a second opinionAnd how to ask without awkwardness.

These tools give general information, not medical, legal, or financial advice. Rules vary by state, insurer, and provider — always confirm specifics with the relevant party. Read our full disclaimer.

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Why these are free

Guides that go with these

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