Main AI reads your itemized medical bill, identifies duplicate charges, upcoding, and surprise billing violations, and drafts a dispute letter citing the exact statute.
Industry audits routinely find errors in a majority of hospital bills — duplicate charges, upcoding, unbundling, and charges for services never rendered. Always request an itemized bill first; the summary bill hides the line items where errors live. Main AI reads the itemized bill and flags every suspicious code.
Since 2022, the federal No Surprises Act bans most surprise out-of-network bills for emergency care and for out-of-network providers at in-network facilities. If you got a surprise bill for those situations, you likely don't owe the out-of-network rate — and you have dispute rights.
Yes, and it works more often than people expect. Hospitals routinely accept reduced lump-sum payments, offer income-based charity care (nonprofit hospitals are required to have financial-assistance policies), and drop disputed charges rather than litigate. A written dispute citing specific billing errors is the strongest opening.
Less than it used to. Paid medical collections no longer appear on credit reports, medical debt under $500 is excluded entirely, and there's a one-year waiting period before medical collections can be reported. That's leverage — you have time to dispute before any credit impact.
Upload your document now. Main AI finds every issue, cites the exact statute, and prepares everything ready to act on. Free to start — no credit card.
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