Stop Overpaying for
Medical Bills

Our AI audits every line of your bill — finding overcharges, illegal codes, and billing errors. Handle it yourself or let our team negotiate for you.

No Credit Card Required
1 Free Audit Per Month
Results in Minutes
HIPAA Compliant
Protected health data
AES-256 Encryption
Bank-grade security
SOC 2 Type II
Certified infrastructure
$4,200
Avg. Savings Per Bill
89%
Appeal Success Rate
12,000+
Bills Audited
5 min
Avg. Processing Time

How It Works

Professional medical bill auditing in four simple steps

Step 01

Upload Your Bill

Drag & drop your medical bill — PDF, PNG, JPG. We support all major hospital and insurance formats.

Step 02

AI Analysis

Our AI scans every line item and CPT code against CMS guidelines and Medicare rates.

Step 03

Detailed Report

Get a comprehensive audit showing every overcharge, billing error, and illegal code found.

Step 04

Appeal & Save

We generate professional appeal letters with legal references — or negotiate directly for you.

Powerful Features

Everything you need to fight medical bill overcharges

AI Overcharge Detection

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.

Savings Tracker & Analytics

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

Real-Time Negotiation Tracking

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

Your Data is Safe With Us

We handle sensitive medical data with the highest security standards in the industry

HIPAA Compliant

Our entire infrastructure is HIPAA-compliant. Your protected health information is handled according to federal healthcare privacy standards.

AES-256 Encryption

All data is encrypted in transit and at rest using AES-256 — the same encryption standard used by banks and government agencies.

SOC 2 Type II Certified

Our systems and processes are independently audited and certified for security, availability, and confidentiality.

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.

Lightning-Fast Results

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

Zero Risk to Start

Start with a free audit. See your savings before you pay anything.

$4,200
Average Savings Per Bill
Highest: $18,500
NEW — Full-Service Option

We Negotiate For You

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.

Full-service negotiation from our team
Real-time negotiation timeline tracking
80+ provider database pre-loaded
Dedicated negotiation manager

Simple, Transparent Pricing

Start free, upgrade when you see the value

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 — no upfront cost

$99 upfront
Deducted from 20% commission
You keep 80% of all savings
  • Everything in Pro plan
  • Full-service negotiation
  • We handle all communication
  • Real-time negotiation timeline
  • 80+ provider database
  • 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 with AES-256 encryption for all data in transit and at rest. Our systems are SOC 2 Type II certified. We 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?

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