The free triage checker

Five questions. No paperwork. Your likely answer.

Other tools want you to upload your bill. This one never will — it runs on your hospital type, state, household size, income range, and the date of your first bill. That's enough to place you against the law. Your medical information is yours.

No upload. No medical records. No exact income — a range is all this takes, and nothing you enter leaves this page. We never ask what treatment you had, and we never will.

The date on the FIRST billing statement starts two clocks: the 240 days you have to apply, and the 120 days the hospital must leave you alone. If you don't know it yet, leave it blank — you can come back.

How to read your result

Included in the $49 HospitalBillDecoded Kit

  • The application pack: how to get the policy and the form, the exact words to ask with, and what to do when the desk says no
  • Filling guidance, field group by field group — including income proof when pay stubs don't exist
  • The itemized-bill error checklist: the recurring errors, how to spot each one, and the dispute letter
  • Negotiation scripts for whatever is left after free care and error fixes
  • The deadline tracker for your 240-day window and 120-day shield
  • The escalation ladder: financial counselor, ombudsman, state attorney general, IRS Form 13909

Get the HospitalBillDecoded Kit — $49

One payment of $49. No subscription. The kit is a web page you can return to and print — the application pack, the error checklist, the scripts, the deadline tracker, and the escalation ladder.