Lower Medical Bills

Lower Medical Bills is an AI-powered service that kicks the tires on your medical bills. You upload an itemized bill (photo or PDF), and its AI scans every line for duplicate charges, services you never got, and prices way above fair market rates. If it catches an overcharge, the AI disputes it directly with the provider — and if the provider plays hardball, the service fires off a demand letter on attorney letterhead. The whole idea: you shouldn't pay a bill nobody checked. The process takes about five minutes of your time, and if the service can't get you savings, your deposit is refunded.

The tool works in three steps: upload your bill and answer a couple of questions; the AI audits every line against billing rules and fair-price benchmarks in minutes; then the AI handles the dispute and follow-up. No more sitting on hold or learning what "CPT unbundling" means. The attorney letterhead is the ace — it shifts leverage when a provider ignores standard disputes. The pricing is straightforward: a refundable deposit based on your bill size ($199 for bills $5K–$15K, $399 for larger), plus a success fee (20% on smaller bills, 9% on larger). No savings means your deposit comes back.

Who is this for? Individuals staring down a hospital bill they can't make sense of, and businesses that self-fund healthcare claims. For individuals, it's a concrete way to fight back without becoming a billing expert. For self-funded employers and finance teams, the AI can audit claims across the entire workforce and automatically pursue corrections, escalating with attorney letters when the dollars justify it. The site is upfront that savings aren't guaranteed — but they only take cases they think they can win.