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Got a medical bill you can't afford?
Let's take it apart.

Describe your bill — a surprise charge, an ER visit, a collector calling — and get a clear, send-today plan to audit and fight it.

What we help you take on

Not sure if we can help? Just start the chat — it'll tell you straight.

Sky-high bills

Audit the itemized charges and catch the errors that inflate what you owe.

Surprise out-of-network

Fight balance billing from an out-of-network doctor at an in-network hospital.

Can't afford to pay

Apply for hospital charity care or a self-pay discount — many patients qualify.

Collectors calling

Make them validate a medical debt and use the medical-debt reporting rules against them.

Check the bill first.

The Medical Bill Self-Defense Kit

One kit for the whole medical bill

The itemized-bill request is one step. The kit covers every step, from seeing every charge to disputing errors and surprise bills, and asking about financial assistance or a payment plan.

  1. When the bill arrives

    See every charge first.

    • Itemized-Bill Request

      Ask for a line-by-line bill, so you can check every charge before paying.

  2. If it's wrong

    Dispute errors and surprise charges.

    • Billing-Error / Overcharge Dispute Letter

      Duplicate or wrong charges? Dispute them in writing with the provider.

    • No Surprises Act Balance-Billing Dispute

      A surprise out-of-network bill? Dispute it under the No Surprises Act.

    • Good-Faith-Estimate Dispute

      Uninsured or self-pay, and billed above your estimate? Dispute it in writing.

  3. Hard to pay

    Ask for help in writing.

    • Charity-Care / Financial-Assistance Request

      Ask the hospital to review you for its financial-assistance program.

    • Discount & Payment-Plan Request Letter

      Ask for a self-pay discount or a payment plan you can manage.

  4. At every step

    Send it right, keep the record.

    • How to Use It + Know Your Rights

      Which letter to send when, and the federal rules behind each one.

    • Your Step-by-Step Checklist

      Track what you sent, when, and what came back.

The whole kit, plus the full library below: $50/mo, cancel anytime.

Included with the membership

Plus every document in the ConsumerShield library

100+documents

Worth over $5,400 if bought one at a time

A medical bill is rarely the only paperwork a health scare brings. The membership opens the whole library, for your health care, your family, your work and your money.

What patients use next

  • Debt Collector Cease & Desist

    Medical bill passed to a collector? Tell the collector in writing to stop contacting you.

  • Medical Power of Attorney

    Choose who makes health-care decisions for you if you can't.

  • Accident & Incident Report

    Hurt in an accident? Record what happened while it's fresh.

  • Durable Power of Attorney

    Let someone you trust handle bills and accounts if you can't.

  • Health / Stress Resignation Letter

    Leaving a job because of your health? Resign in writing, on your terms.

  • Springing Power of Attorney

    Want someone to step in only once a doctor confirms you can't decide?

  • Business · 56
  • Consumer · 20
  • Employment · 17
  • Family · 10
  • Driving · 5
A lawyer, per hour
$349
The whole library
$50/mo

$0 today, card required · trial of 2 days · then $50/mo · cancel anytime

Average U.S. lawyer hourly rate, Clio Legal Trends Report 2025. Not a quote for your matter, and ConsumerShield is not a law firm.

You fill in the details for your own bill and send each letter yourself. ConsumerShield is not a law firm and does not contact providers, insurers or collectors for you.

Stop paying a bill you haven't checked.

Hospitals count on you paying without looking. Your kit gives you the exact letters and steps to audit it, dispute it, and pay only what's owed — today.

Start the chat