Stop Overpaying for
Medical Care
Fight back against medical bill overcharges. We give you the exact scripts, audits, and applications you need to reduce hospital bills, apply for charity care, and appeal denied claims.
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Lower Medical Bills With an AI Medical Bill Negotiator
BKVHealth helps you lower medical bills by auditing itemized statements, applying for hospital financial assistance, and giving you clear scripts to negotiate or appeal charges.
Request an itemized bill with CPT codes
Summary bills hide billing errors. Always request the detailed version with procedure codes.
Apply for hospital financial assistance
Nonprofit hospitals must offer charity care. Income up to 400% FPL may qualify for significant discounts.
Audit for billing errors
Look for duplicate charges, upcoding, and unbundling mistakes that inflate your bill.
Negotiate self-pay discounts
Uninsured or high-deductible? Ask for 40-70% off for upfront cash payment.
Common ways people reduce medical costs
- Request itemized bills and audit for common errors like duplicate charges.
- Apply for hospital charity care programs based on income (up to 400% FPL).
- Negotiate self-pay discounts of 40-70% for cash payment.
- Appeal insurance denials with medical necessity documentation.
- Use No Surprises Act protections for out-of-network charges.
Hospital Financial Assistance (Charity Care)
Nonprofit hospitals are required by law to offer financial assistance programs. These programs can reduce or eliminate your bill based on your income level:
- 100% FPL: ~$15,060 (single) / ~$31,200 (family of 4) - Often 100% write-off
- 200% FPL: ~$30,120 (single) / ~$62,400 (family of 4) - Often 75-100% discount
- 300% FPL: ~$45,180 (single) / ~$93,600 (family of 4) - Often 50-75% discount
- 400% FPL: ~$60,240 (single) / ~$124,800 (family of 4) - Often 25-50% discount
We help you find your hospital's charity care application and guide you through the process.
What is hospital charity care?
A program nonprofit hospitals are required to offer. Based on your income, you may qualify for discounts up to 100% off your bill.
Can I negotiate after the bill goes to collections?
Yes. Medical collections can often be settled at 20-50% of the original amount. We provide scripts for negotiation.
What is the No Surprises Act?
A federal law that protects you from surprise out-of-network charges for emergency services and certain non-emergency care.
What billing errors should I look for?
Duplicate charges, upcoding (billing for more expensive procedures), unbundling, incorrect units, and charges for services you did not receive.
Medical Insurance Guides
How to Negotiate Medical Bills
Proven strategies to reduce your bill by 30-70%.
How to Read a Medical Bill
Understand CPT codes, charges, and spot billing errors.
Explanation of Benefits (EOB)
What your EOB means and how to use it.
Hospital Financial Assistance
How to apply for charity care and get free or reduced care.
How to Appeal Insurance Denial
Step-by-step guide to overturn denied claims.
Balance Billing & Surprise Bills
Your rights under the No Surprises Act.
Prior Authorization Guide
Navigate insurance approval requirements.
Good Faith Estimate
Get upfront pricing before treatment.
In-Network vs Out-of-Network
How networks affect your costs.
Copay vs Coinsurance vs Deductible
Understand your insurance cost-sharing.
Medical Debt Collection Rights
Know your protections from collectors.
FSA vs HSA
Compare tax-advantaged health accounts.
PPO vs HMO vs EPO
Choose the right plan type for you.
Medical Blog Articles
How to Lower Medical Bills: Complete Guide
Step-by-step guide to reducing hospital bills.
Hospital Charity Care Guide
How to get your bill reduced or eliminated.
Medical Billing Errors to Look For
How to audit your hospital bill for mistakes.
No Surprises Act Explained
Your rights against surprise medical bills.
Medical Insurance Appeal Letter
Template and guide for appealing denials.