How It Works

Three steps. No account needed. No signup.

1

Select Your State

We load your state's balance billing protections and No Surprises Act provisions automatically.

2

Enter Your Bill Details

Provider info, bill amount, insurance details, and why you're disputing. Takes about 2 minutes.

3

Download Your Letter

Get a professional dispute letter as a print-ready PDF. Preview free, clean copy for $9.99.

Why Not Just Dispute It Yourself?

You could. But here's what most people get wrong:

No statutory citation. A dispute letter without the No Surprises Act citation (42 USC §300gg-111) signals you don't know your rights. Billing departments ignore vague complaints.
Missing state protections. Many states have their own surprise billing laws that stack on top of federal protections. Without citing both layers, you leave leverage on the table.
No demand for itemization. Without demanding CPT codes, EOBs, and an itemized breakdown, the provider has no obligation to explain the charges. A proper dispute letter forces transparency.
Weak formatting. An email or phone call to billing gets lost. A formal PDF with legal citations, a certified mail notice, and a regulatory complaint warning gets attention.

What Your Letter Includes

Every letter is built from federal law and your state's actual statutes.

No Surprises Act Citation

42 USC §300gg-111 protections cited by section, so the billing department knows you understand federal law.

State Protections

Your state's balance billing and surprise billing statutes layered on top of federal law.

Itemized Demands

Formal demands for CPT codes, EOBs, network status documentation, and a complete breakdown of charges.

Collection Cease Notice

Explicit language requiring all collection activity and credit reporting to stop while the dispute is pending.

Professional Format

Print-ready PDF formatted as a formal legal letter. Send it certified mail for maximum impact.

Create Your Dispute Letter →

Free preview. $9.99 for the clean, print-ready PDF.

Medical Bill Dispute Laws by State

Select your state to see your specific No Surprises Act rights and state-level protections.

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming