BillBreaker helps patients understand medical bills, challenge errors, reduce eligible balances, and pay the resolved amount, with confirmation that the provider credited their account.
No savings, no fee. Your money is held securely with PayPal and goes straight to the provider.
Example case from our demo, built on a synthetic bill.
of insured working-age adults got a bill in the past year for care they thought their insurance should have covered.
of them challenged it. Many didn't know they had the right to.
of people who challenged a bill had it reduced or wiped out.
Source: Commonwealth Fund, Unforeseen Health Care Bills and Coverage Denials by Health Insurers in the U.S. (August 2024; survey of 5,602 adults, April–July 2023).
Most tools stop at "we found an error." BillBreaker carries the case through to payment and gets the provider to confirm your balance is $0.
Upload your itemized bill. Our audit engine checks each line against coding rules and fair-price benchmarks.
Clear errors come off first. You see what changed and why, in plain English.
Set a private maximum. PayPal holds it, so the provider knows you can pay today. Nothing is charged yet.
BillBreaker drafts a polite, payment-backed offer to the billing office and handles the back-and-forth.
Only the agreed amount is captured and sent straight to the provider. The rest of the hold is released.
We get written confirmation that the provider credited your account, so the bill doesn't come back.
Every finding links back to the rule or benchmark behind it, so you can see exactly why.
The same service billed twice on the same day.
Procedures that should be billed together, split up to charge more.
More units than could happen in a single visit.
Surprise bills the No Surprises Act says you shouldn't pay.
Prices far above fair benchmarks for the same service.
Charges that don't match what your insurer says you owe.
You pay a share of what we save you. If we don't save you anything, you don't pay us anything.
| BillBreaker | Typical bill advocates | |
|---|---|---|
| Fee | 10% of savings, max $250 | Often 25–35% of savings |
| Minimum bill size | None | Often thousands of dollars |
| Upfront deposit | None | Sometimes required |
| Pays the provider for you | Yes, through PayPal | Usually not |
| Confirms your $0 balance | Yes | Varies |
The biggest barrier is not knowing you can. Here are a few protections most people never hear about.
A summary bill hides the details. Asking for the itemized version is the first step to spotting errors.
The federal No Surprises Act protects you from most out-of-network bills for emergency care and for certain providers at in-network facilities. Ground ambulances aren't covered.
Uninsured and self-pay patients can get a cost estimate up front. If the bill comes in at least $400 more than the estimate, you can dispute it.
Nonprofit hospitals must have a written financial assistance policy. You may qualify for a discount or free care.
General information, not legal advice. Rules depend on your plan, your state and the type of care. See cms.gov/nosurprises for official details.
Your funds sit in a PayPal authorization hold. Only the agreed amount is captured, and the rest is released.
Your ceiling stays private. It's never shown to the provider and never used in drafting messages.
Your payment goes directly to the provider. Our fee is a separate, itemized charge.
Every dollar amount in a message is checked against your case before it's sent. If anything doesn't match, we send a pre-approved message instead.
10% of what we save you, capped at $250 and never more than your savings. If we don't reduce your bill, there's no fee.
No. PayPal places a temporary hold so the provider can see the payment is ready. Money is only captured once the provider accepts, and only the agreed amount.
Never. Your maximum is used only to stop the negotiation from going above what you can pay. It's never shown to the provider or used in drafting messages.
Then we tell you so. If nothing can be reduced, your hold is released and you owe us nothing.
Yes. Self-pay patients often see the biggest markups, and bills in collections can still be corrected and settled.
No. BillBreaker is a billing review and payment service. For legal questions about your rights, talk to a qualified professional.
BillBreaker is in pilot. The public demo uses PayPal's sandbox and a simulated provider, so no real money moves. The demo is invite-only: request access and we'll email you a code.
The demo is invite-only while we're in pilot. Request access and we'll email you a code.
Request access