Legal & Medical Disclaimer

Last Updated: May 10, 2026

1. Not Legal Advice

The information provided by Ovrcharged.com, including generated appeal letters, AI audit reports, negotiation suggestions, and educational content, is for informational and self-help purposes only. We are not a law firm, and our employees are not acting as your attorneys.

Using our service does not create an attorney-client relationship. If you require legal advice regarding medical debt collection, bankruptcy, or specific state/federal laws, you should consult a licensed attorney in your jurisdiction.

2. Not Medical Advice

Ovrcharged analyzes billing codes and pricing data. We do not review medical necessity, quality of care, or provide medical diagnoses. Nothing on this website constitutes medical advice. Always consult with a qualified healthcare provider regarding medical treatments and diagnoses.

3. Accuracy of AI Analysis

Our platform uses artificial intelligence to identify potential coding errors and overcharges based on standard CMS guidelines, the No Surprises Act, and typical pricing databases. However, medical billing is highly complex and specific to individual insurance contracts and provider agreements.

While we strive for accuracy, we cannot guarantee that every flagged item is a definitive error or that appeals will be successful. The "Estimated Customary Amount" and "Potential Savings" figures are estimates based on available data and do not represent guaranteed outcomes.

4. Financial Risk

Disputing a medical bill may have consequences, including but not limited to the provider sending the bill to collections, which could negatively impact your credit score. Ovrcharged is not responsible for any adverse actions taken by healthcare providers, billing departments, or collection agencies in response to disputes or appeals generated through our service.

5. No Guarantees

Every medical bill and provider is different. We make no representations, warranties, or guarantees that using our service will result in a reduction or elimination of your medical debt.