Paste the bill — who sent it, the amount, the pickup and destination, what your insurance paid — and your coverage. In a few seconds you get what should have been covered, why the balance exists, and the letters that reduce it: an appeal to the insurer, a dispute or hardship request to the ambulance service, and the negotiation script. No account. Nothing stored.
Free — takes 30 seconds
Who sent it (county fire-rescue, a private company, a hospital), the amount, the date, where you were picked up and taken, whether it was a 911 call or a scheduled transfer, what your insurance paid (the EOB), and your coverage.
Why this exists
Ground ambulance is the last big surprise bill Congress hasn't closed. But your plan still has to pay its emergency share, Medicare caps what you owe, public agencies have hardship policies, and the Medicare rate is a number you can negotiate to. This writes the appeal, the dispute and the offer.
How it works
Who billed, how much, the ride, what insurance paid. Nothing is saved.
What your coverage should have paid, why the balance exists — in English or Spanish.
Insurer appeal, provider dispute, hardship request, negotiation script and settled-in-full letter, in the full version.
Plans
The free check tells you what's owed and what's negotiable. The kit writes the insurer appeal, the provider dispute, the hardship request, the negotiation script and the settled-in-full letter.
The insurer appeal, the provider dispute and hardship request, the negotiation script with offers, the settled-in-full confirmation and a collections response. English or Spanish. Printable.
For an HR benefits desk, a union local, a hospital patient advocate, a legal-aid intake or a senior center that sees these bills every month.
All prices in USD, handled by Stripe. The free check never goes behind a paywall.
Common questions
The first look is free, and nothing you paste is stored. If you want the ready-to-send letters, the Letter kit is $9 per bill, and there is a $99/month plan for HR, unions & advocates. This tool is not legal advice.
The No Surprises Act protects you from air-ambulance balance bills but not ground ambulances — that is the exact gap this tool is about (CMS — No Surprises Act: ground ambulance). Florida has no state ground-ambulance balance-billing ban for commercial plans, so this balance can be legal. The letters this tool generates can help reduce it, but they do not erase it.
Medicare ambulance suppliers must accept assignment, so you should owe only the Part B deductible and 20% of the Medicare-approved amount (Medicare.gov — Ambulance services). If your bill is higher than that, it may be a billing error worth correcting; the tool can help you check the amount against the CMS Ambulance Fee Schedule. Confirm the exact figures with Medicare.
Yes — for emergencies, your plan must cover care at in-network cost sharing even from an out-of-network provider (45 C.F.R. 147.138 — Patient protections). That rule governs what your plan pays, but the ambulance provider may still balance bill you for the ground ride since federal law does not ban that yet. An appeal letter can ask your insurer to reprocess the claim at in-network rates.
The tool can put together an appeal to your insurer, a hardship or dispute letter to the ambulance provider, and a negotiation script benchmarked to the Medicare-approved rate for your service. Public fire-rescue or EMS agencies sometimes have hardship or resident-rate policies — ask their billing office for that policy in writing. Always answer any bill in writing, and if your plan mishandled the claim, Florida's DFS consumer helpline (1-877-693-5236) can help; this is not legal advice.
La primera revisión es gratuita, y nada de lo que usted pegue se guarda. Si desea las cartas listas para enviar, el paquete de cartas cuesta $9 por factura, y también hay un plan de $99 al mes para recursos humanos, sindicatos y defensores. Esta herramienta no es asesoría legal.
La Ley No Surprises Act lo protege de facturas sorpresa por ambulancia aérea, pero no por ambulancia terrestre — ese es exactamente el vacío del que trata esta herramienta (CMS — No Surprises Act: ambulancia terrestre). La Florida no tiene una ley estatal que prohíba el cobro de saldo por ambulancia terrestre en planes comerciales, así que este saldo puede ser legal. Las cartas que genera esta herramienta pueden ayudar a reducirlo, pero no lo eliminan.
Los proveedores de ambulancia deben aceptar la asignación de Medicare, así que usted solo debería pagar el deducible de la Parte B y el 20% del monto aprobado por Medicare (Medicare.gov — Servicios de ambulancia). Si su factura es más alta que eso, podría tratarse de un error de facturación que conviene corregir; la herramienta puede ayudarle a comparar el monto con el Programa de Tarifas de Ambulancia de CMS. Confirme las cifras exactas directamente con Medicare.
Sí — en emergencias, su plan debe cubrir la atención con el costo compartido de la red, incluso si el proveedor está fuera de la red (45 C.F.R. 147.138 — Protecciones al paciente). Esa regla determina lo que paga su plan, pero el proveedor de la ambulancia todavía puede cobrarle el saldo por el viaje terrestre, ya que la ley federal aún no lo prohíbe. Una carta de apelación puede pedirle a su aseguradora que reprocese el reclamo con las tarifas de la red.
La herramienta puede preparar una apelación para su aseguradora, una carta de disputa o de dificultad económica para el proveedor de la ambulancia, y un guion de negociación basado en la tarifa aprobada por Medicare para su servicio. Algunas agencias públicas de bomberos o EMS tienen políticas de dificultad económica o tarifas para residentes — pida esa política por escrito a su oficina de facturación. Responda siempre por escrito a cualquier factura, y si su plan manejó mal el reclamo, la línea de ayuda al consumidor del Departamento de Servicios Financieros de la Florida (1-877-693-5236) puede ayudar; esto no es asesoría legal.
Built by the same team, free to try.