Average User Saves $4,200 Per Bill

Find Every Medical Bill
Overcharge & Illegal Code

AI-powered medical bill auditor finds every overcharge, billing error, and illegal code. Choose to handle it yourself with our Pro plan, or let our team do everything for you with our We Negotiate For You plan — $99 upfront (deducted from our 20% commission), you keep 80% of savings. Start with a free bill audit.

No Credit Card Required
1 Free Audit Per Month
Results in Minutes
$4,200
Average Savings Per Bill
89%
Appeal Success Rate
12,000+
Bills Audited
5 min
Average Processing Time

How It Works

Get professional medical bill auditing in 4 simple steps

Step 1

Upload Your Bill

Drag and drop your medical bill (PDF, PNG, JPG, or other image formats) or upload from your device. We support all major hospital and insurance formats.

Step 2

AI Analysis

Our AI scans every line item, CPT code, and charge. We check against CMS guidelines, Medicare rates, and billing regulations.

Step 3

Get Detailed Report

Receive a comprehensive audit report showing every overcharge, billing error, duplicate charge, and illegal code found.

Step 4

Appeal & Save

We generate professional appeal letters with legal references. For Pro users, we can even call providers and negotiate for you.

Powerful Features

Everything you need to fight medical bill overcharges

AI Overcharge Detection

Advanced AI identifies charges above CMS/Medicare rates, duplicate charges, and inflated prices with 99% accuracy.

Illegal Code Detection

Finds incorrect CPT codes, unbundled procedures, upcoding, and billing violations automatically.

Legal Compliance Check

Verifies compliance with No Surprises Act, balance billing laws, and state regulations.

Professional Appeal Letters

AI-generated, legally-sound appeal letters with CMS guidelines and legal references included.

Automated Email Delivery

Send appeal letters directly to provider billing departments with one click.

Detailed Itemized Reports

Complete breakdown of every charge, overcharge amount, and recommended correction.

Savings Tracker & Analytics

Track your total savings across all bills with beautiful charts and analytics dashboard.

Lightning-Fast Processing

Get results in minutes, not days. Our AI processes bills 100x faster than manual review.

80+ Provider Database

Pre-loaded database of major hospitals and insurers with direct billing contacts for faster negotiations.

Real-Time Negotiation Tracking

Watch your negotiations unfold in real-time with live timeline updates and status tracking.

Full-Service Negotiation

Our professional team handles all provider communication - you just sit back and save money.

HIPAA-Compliant Workflow

Enterprise-grade security with HIPAA-compliant infrastructure protecting your sensitive medical data.

Why Choose OvrCharged?

Save Thousands of Dollars

Average users save $4,200 per bill. Some users have saved over $15,000 on a single hospital bill.

AI-Powered Accuracy

Our AI has analyzed thousands of bills and knows every billing trick, error, and overcharge pattern.

Legal Protection

We reference CMS guidelines, Medicare rates, and federal/state laws in every appeal letter.

Time Savings

What takes hours of research and writing takes us minutes. Get professional results instantly.

No Risk

Start with a free audit. See your savings before you pay anything. Upgrade only if you're satisfied.

$4,200
Average Savings

Based on analysis of 12,000+ medical bills, our users save an average of $4,200 per bill. The highest single-bill savings recorded: $18,500.

89%
Appeal Success Rate

Nearly 9 out of 10 appeals result in bill reductions. Our professional letters and legal references make providers take notice.

Simple, Transparent Pricing

Start free, upgrade when you see the value

We Negotiate For You

NEW

Don't want to deal with providers yourself? Our professional negotiation team handles everything. $99 upfront fee (deducted from our 20% commission when savings are recovered).You keep 80% of all savings. We negotiate with providers using our 80+ provider database and professional email workflow.

Full-service negotiation from our team
Real-time negotiation timeline tracking
80+ provider database pre-loaded
HIPAA-compliant secure workflow

Free Plan

Perfect for trying out

$0
  • 1 bill audit per month
  • AI overcharge detection
  • Detailed audit report
  • View all findings
Most Popular

Pro Plan

For serious bill fighters

$9.95/mo
or $99 lifetime
  • Unlimited bill audits
  • Professional appeal letters
  • Email delivery to providers
  • Itemized audit reports
  • Savings tracker & analytics
Best Value

We Negotiate For You

Full-service negotiation - no upfront cost

$99 upfront
Deducted from 20% commission
You keep 80% of all savings. $99 deducted from our commission.
  • Everything in Pro plan
  • Full-service negotiation by our team
  • We handle all provider communication
  • Real-time negotiation timeline
  • 80+ provider database pre-loaded
  • HIPAA-compliant workflow
  • Dedicated negotiation manager

Frequently Asked Questions

Everything you need to know about medical bill auditing

How does OvrCharged find medical bill overcharges?

Our AI-powered system analyzes every line item on your medical bill, checking charges against CMS (Centers for Medicare & Medicaid Services) guidelines, Medicare rates, and standard billing practices. We identify overcharges, duplicate charges, incorrect CPT codes, unbundled procedures, upcoding, and violations of the No Surprises Act and balance billing laws.

How much can I save on my medical bills?

Our average user saves $4,200 per medical bill. Savings vary based on the bill amount and types of errors found. Some users have saved over $15,000 on a single hospital bill. The free plan lets you see your potential savings before upgrading.

Is my medical information secure?

Yes. We use HIPAA-compliant infrastructure (Supabase with HIPAA BAA), encrypt all data in transit and at rest, and never share your information with third parties. Your bills are stored securely and only accessible to you.

What types of medical bills can I audit?

We can audit bills from hospitals, clinics, emergency rooms, surgical centers, labs, imaging centers, and any healthcare provider. We support all major insurance formats and can process PDF files or images (PNG, JPG, etc.) from any provider.

How long does it take to get results?

Most bills are processed in 5-10 minutes. Our AI analyzes the bill, identifies overcharges, and generates a detailed report with appeal letter recommendations. You'll receive an email notification when your audit is complete.

What if my appeal is rejected?

If your initial appeal is rejected, Pro plan users can generate additional appeal letters with different legal arguments. Our 89% success rate means most appeals are successful.

Do I need to know medical billing codes?

No! Our AI handles all the technical analysis. You just upload your bill and we explain everything in plain English. We show you what was wrong, why it was wrong, and how much you should save.

Can I use this for old medical bills?

Yes! You can audit bills from any time period. However, appeal deadlines vary by state and provider, so it's best to audit bills as soon as possible. Most states allow appeals within 30-180 days of receiving the bill.

Ready to Save Thousands on Your Medical Bills?

Join thousands of users who have saved millions of dollars on medical bills. Start with a free audit - no credit card required.