IsMyBillWrong is built for the moment a medical bill looks wrong. The service audits medical bills for mistakes and prepares dispute letters for a flat fee. A patient uploads a bill, and the free scan reconciles it line by line against the insurer's Explanation of Benefits. It looks for the errors that cost patients most: duplicate charges, procedure codes that should have been bundled, upcoding, charges the insurer already rejected, self-pay overcharges, and missing financial-assistance discounts.
How the Free Scan Works
The free scan is available nationwide. A patient uploads a medical bill, and the scan compares it against the insurer's Explanation of Benefits, line by line. The Explanation of Benefits is the statement an insurer sends showing what was billed, what the insurer covered, and what the patient owes. Reconciling the two documents is a standard way to spot charges that do not belong, because each line on the bill can be checked against the insurer's own record of the same service.
The scan looks for the errors that cost patients most. Duplicate charges appear when the same service is billed twice. Procedure codes that should have been bundled are separate line items for steps that belong to one procedure. Upcoding means a service was billed under a more expensive code than the service performed. Charges the insurer already rejected should not reappear on a patient's bill. Self-pay overcharges occur when a patient paying without insurance is charged more than the appropriate rate. Missing financial-assistance discounts are charity-care or reduced-price policies that were not applied to an eligible patient's bill.
Medical billing is built on a coding system in which every service a provider performs is translated into a standardized code before it is sent to an insurer or patient. Because a single visit can generate many separate codes, the billing process involves many handoffs between the provider's records, the billing office, and the insurer's claims system. Each handoff is a point where a line item can be entered twice, assigned the wrong code, or carried onto a bill after an insurer has already denied it. Reading a bill against the insurer's own record of the same services is one way a patient can check whether the amounts requested match what the insurer documented.
Flat-Fee Audits and Dispute Packages
In participating states, a $49 Standard Audit goes deeper than the free scan. A $99 Complete Package adds dispute letters, citations, deadlines, and mailing instructions. Follow-up rounds and regulator complaints cost $19 each. The site never takes a percentage of what a patient saves, and it refunds an audit that finds nothing actionable within 30 days.
The dispute letters are prepared documents a patient can send to a provider or insurer to contest a charge. Citations point to the specific codes, rules, or policy terms that support the dispute. Deadlines and mailing instructions tell the patient when and where to send each item. A follow-up round handles the next step after an initial response, and a regulator complaint is a filing with an oversight agency when a billing dispute cannot be resolved directly with the provider.
A billing dispute generally proceeds in stages. It begins with identifying the specific line items in question, continues with a written request to the provider or insurer explaining why the charge is incorrect, and, if the first request does not resolve the matter, moves to further correspondence or a complaint to an oversight agency. Written disputes tend to work best when they name the exact lines being contested, state the reason each one is wrong, and cite the rule or policy that supports the correction. Deadlines matter in this process, because insurers and providers often limit how long a patient has to contest a charge, and a missed window can close off options that were available earlier.
For patients who find an error, the value of an audit is that it turns a confusing bill into a specific, documented list of problems. Instead of a general sense that a charge seems too high, the patient has particular line items, the reasons each is disputed, and prepared materials to send. That structure is what the flat-fee model is designed around: a defined service with a defined price, regardless of how much money is ultimately at stake in the bill.
