No tech skills required to fight back.
Medical debt disproportionately affects older adults. We built OvrCharged to be completely frictionless, focusing specifically on Medicare loopholes and zero-tech solutions.
1. Upload & Audit
No billing degree needed. Upload a PDF or photo of your hospital bill from your dashboard. Our AI reviews charges and flags possible overcharges in plain English.
Start in your secure dashboard
app.ovrcharged.com
2. Medicare ABN Checks
Medicare has strict notice rules. Our AI looks for signals of missing Advance Beneficiary Notice (ABN) issues and other Medicare-related billing red flags so you know what to question.
3. Caregiver Delegate Access
Rely on an adult child to handle your finances? Don't share passwords. Click one button to send a secure invite to your caregiver, letting them manage your account, upload bills, and negotiate on your behalf.
Email Outreach
Appeal + authorization
4. Provider Email Negotiation
Prefer not to call billing departments yourself? Our Negotiator service prepares appeal letters and emails providers on your behalf — with your signed authorization — and tracks responses in your dashboard.
We've upgraded our arsenal.
Negotiating is just the start. We now automate the legal and financial loopholes that hospitals use against you.
Charity Care Guidance
Many non-profit hospitals must offer financial assistance. We help you spot charity-care opportunities and generate starter paperwork you can submit to the hospital.
Physical Mail Follow-ups
Emails get ignored. When you need a paper trail, you can mail a physical USPS First Class demand postcard to the billing department from your dashboard.
Itemized Bill Requests
If you upload a summary bill, we help you request a full line-item breakdown from the hospital — the details you need to challenge vague or bundled charges.
Pro Tools for Complete Protection
Advanced features designed to counter every dirty trick in the medical billing playbook.
Collection Response Support
If a bill heads toward collections, we help you prepare clear written responses and documentation so you can challenge unclear charges and keep a paper trail.
Insurance EOB Cross-Check
Upload both your hospital bill and your insurance Explanation of Benefits. Our AI compares them to help spot possible balance-billing and insurance mismatch issues.
Out-of-Network Flagging
Surprise facility or specialist charges? We flag out-of-network patterns in your bill so you know what to dispute and when federal consumer protections may apply.
Pharmacy Charge Review
Hospital medication markups can be extreme. Our AI highlights pharmacy line items that look inflated so you can question them in your appeal.
Most people pay because fighting the system feels impossible.
Providers, insurers, billing departments, and collections teams speak in codes, policies, and deadlines. Ovrcharged gives you a clearer path. We review the charges, explain what looks wrong, and help push for a fairer outcome.
How It Works
A simple process to help you take control of your medical bills.
Upload your bill
Securely add your bill through the Ovrcharged app. We accept PDFs and clear photos.
We review the charges
We check for billing issues, overpricing, missing information, and negotiation opportunities.
You get a path forward
We explain what we found and help negotiate with the provider so you don't overpay.
See why your bill may be worth reviewing.
Your bill may qualify for review. Common savings opportunities can include coding issues, duplicate charges, negotiation room, missing financial assistance, or provider billing errors.
Don't guess. Get your bill reviewed.
Upload your medical bill and see if there is a path to lower what you owe.
Transparent pricing. Results vary.