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. "Text-to-Audit"
Zero tech skills needed. Don't want to log into a website or scan PDFs? Just snap a photo of your paper bill with your smartphone and text it to our secure number. Our AI will text you back instantly if we find overcharges.
Text a photo of your bill to
(646) 466-6134
2. The Medicare Sentinel
Medicare has strict rules. If a hospital bills you for a service but didn't make you sign an Advance Beneficiary Notice (ABN) beforehand, you legally owe $0. Our AI hunts exclusively for these Medicare violations.
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.
AI Agent On Hold
12 min 43 sec
4. AI Voice Call Agent
Hospitals intentionally put you on hold for 45+ minutes hoping you'll give up. We built an AI Voice Agent that physically calls the hospital, navigates the phone tree, sits on hold, and disputes the charge with a real human.
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 Auto-Qualifier
Non-profit hospitals are legally required to offer financial assistance. Our smart workflow automatically checks your eligibility and auto-fills the exact forms to potentially wipe out 100% of your bill.
Certified Mail Appeals
Hospitals ignore emails. We don't let them. With one click, we automatically print and mail physical, Certified Mail appeal letters directly to their billing department to force a legal response.
Itemized Bill Demands
If you upload a "summary bill", our system instantly detects it and generates a legally-worded HIPAA demand for a full line-item breakdown. Hospitals often drop charges just by receiving this request.
Pro Tools for Complete Protection
Advanced features designed to counter every dirty trick in the medical billing playbook.
1-Click Collection Eraser
If your bill goes to collections, we generate a formal FDCPA Debt Validation Demand. Since most agencies buy debt in bulk without original paperwork, this legally forces them to delete the debt from your credit report if they can't prove it.
Insurance EOB Cross-Referencer
Upload both your hospital bill and your insurance Explanation of Benefits. Our AI goes line-by-line to catch illegal "Balance Billing"—when a hospital unlawfully charges you for amounts the insurance company contractually refused to pay.
No Surprises Act Auto-Arbitration
Billed by an out-of-network doctor at an in-network hospital? Our system detects this federal violation, auto-generates a formal CMS complaint, and initiates the Independent Dispute Resolution (IDR) process on your behalf.
Pharmacy Price Optimizer
Hospitals notoriously mark up basic medications by 1,000% or more. Our AI extracts pharmacy charges and cross-references wholesale APIs (like GoodRx) to mathematically prove the overcharge and demand a fair market rate.
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.