Lower Medical Bills

Lower Medical Bills is a legal tool. AI service that audits medical bills line by line, disputes errors with providers, and escalates with attorney-letterhead demand letters. Individuals pay a refundable deposit plus a success fee, and the deposit is returned if nothing is saved.

Lower Medical Bills is an AI-driven bill auditing and advocacy service for people facing large healthcare charges. The user uploads an itemized bill, an explanation of benefits if one is available, or simply a photo of the paperwork, then answers a few short questions. The system reads the document line by line and looks for duplicate charges, services that were never delivered, codes billed at inflated rates, and prices that sit well above what is considered fair for the patient's area. After the audit, the service presents what it found and then takes the case to the provider. The AI files the dispute and handles follow-up, so the patient does not have to make calls or learn billing terminology such as code unbundling. When a provider stalls or refuses to move, the process escalates to a demand letter sent on the letterhead of licensed attorneys the company works with. The company states plainly that it is not a law firm, insurer or government agency, and that using it does not create an attorney-client relationship. The commercial model is built around contingency. Individuals with bills from roughly $5,000 upward pay a refundable deposit plus a success fee that falls as the bill grows, and the deposit is returned if no savings are achieved. The site is candid that results are not guaranteed and can range from nothing to the full amount. A separate offering targets self-funded employers and finance teams, applying the same audit approach to claims at volume and pursuing recoveries, with an option to provide the individual service to employees as a benefit. Among alternatives, traditional medical bill advocates usually rely on a person working the phones, which limits how many cases they can take and raises costs. Lower Medical Bills positions its automation as the faster, cheaper route that can accept smaller or harder cases. It suits patients with a sizable bill and a suspicion that it was never checked, though people with small balances fall below its stated pricing tiers.