Put Medicare's rate next to every line of your medical bill
Type in the codes and charges from your itemized bill and the ZIP code where you were treated. For $29 you get a PDF with Medicare's 2026 amount for each line in that area, how many times higher each charge is, and a letter to the billing office that quotes the figures.
Compare my bill · $29 How the amounts are set
- Priced for the Medicare locality where you were treated, one of 109
- Physician, hospital outpatient, lab and drug fee schedules
- PDF on screen after checkout, and by email with the letter as editable text
| Code | Charged | Medicare | Times Medicare |
|---|---|---|---|
| 99214Visit or care management | $276.45 | $137.81 | 2.0× |
| 93000Heart test or procedure | $69.03 | $15.66 | 4.4× |
| 71046Imaging | $89.42 | $33.63 | 2.7× |
| 80053Lab test or pathology | $61.45 | $10.56 | 5.8× |
| 85025Lab test or pathology | $37.12 | $7.77 | 4.8× |
| Total | $533.47 | $205.43 | 2.6× |
What the $29 report gives you
One PDF, built from the lines you enter.
Every line priced for your area
Medicare's physician fee schedule amount for the locality where you were treated, the hospital outpatient rate for a hospital's own bill, the lab fee schedule for lab tests and the Part B limit for drugs given in an office. Each line names the fee schedule it came from.
The gap, line by line and in total
How many times the Medicare amount each charge is, the totals, and reference points at 1, 1.5 and 2 times Medicare. Lines Medicare pays nothing separately for, such as supplies included in a hospital visit, are marked.
A letter to the billing office
It lists your lines beside the Medicare amounts, asks for the reduction you choose, asks for the provider's financial assistance policy and, on a hospital bill, for the hospital's own discounted cash price. The email repeats it as text you can edit.
The dispute checklist, when it applies
If you did not use insurance and the bill is at least $400 over your Good Faith Estimate, the report adds the federal dispute steps with your deadline worked out from your bill date.
Which bills it works on
You pick the type of bill at checkout, and the fee schedule follows from it.
A doctor's office or clinic
Physician fee schedule, office amount, for your locality. This includes a standalone lab or imaging center billing on its own.
A doctor's bill for hospital, ER or surgery-center care
Physician fee schedule, facility amount, for your locality: the separate bill from the ER doctor, the radiologist or the surgeon.
A hospital's own bill for outpatient or ER care
Medicare's national hospital outpatient rate for each line, and the lab fee schedule for tests.
Lines it cannot price
Inpatient stays (Medicare pays those per diagnosis group, not per line), surgery-center facility fees, anesthesia time, ambulance trips, equipment, supplies and dental codes. These lines appear in the report with the reason they have no Medicare amount.
What you need from your bill
An itemized bill, not a summary statement.
The code for each line
Five characters, like 99213, 80053 or G0463, printed next to each line of an itemized bill. If yours shows only totals, ask the billing office for an itemized bill with CPT or HCPCS codes.
Units and the amount charged
For each line, as printed.
Where and when
The ZIP code in the provider's address, because Medicare prices care by where it was given, and the month of the care.
For the dispute check
If you paid without insurance: the Good Faith Estimate total for that provider and the date printed on the first bill.
If you paid without insurance and the bill beat your estimate by $400
The No Surprises Act gives self-pay patients a federal dispute process (45 CFR 149.620). The figures below are as of September 28, 2026.
- Bill over the Good Faith Estimate for that provider or facility
- $400 or more
- Time to start, from receiving the initial bill
- 120 calendar days
- Administrative fee, per the CMS dispute page
- $25
- If you and the provider settle before a decision
- bill cut by $12.50 or more
Your report checks your numbers against these tests and, when they pass, prints the date to file by. How the dispute process works
Before you buy
What the Medicare comparison can and cannot do for you.
Is the Medicare amount what I should pay?
No. It is what Medicare pays providers for the same code in the same area, published by CMS. Providers set their own prices and do not have to accept it. People use it as a reference point when they ask for a reduction.
Will this get my bill reduced?
Nobody can promise that. The report gives you the figures and a letter; what the provider does is up to the provider.
I have insurance. Is it still useful?
The comparison works for any bill with codes on it. The federal dispute process is only for people who did not use insurance, so that checklist appears only then.
What if some codes are not recognized?
Checkout checks your codes before you pay. If none of them has a Medicare amount for the type of bill you chose, it tells you why and you are not charged. Individual lines it cannot price appear in the report with the reason.
Where do the figures come from?
CMS's public fee schedule files. Every report lists each file and its release. How the amounts are set
What happens to what I type in?
It is stored with your order so the PDF can be built and sent again if you need it, and used for nothing else. Privacy