Don't pay that medical bill until you check it.

Answer a few questions and see, in plain English, whether you may qualify for free or discounted hospital care, surprise-bill protection, or an insurance appeal — with the deadline and a letter ready to send.

Start my free check

✓ Free, no sign-up ✓ Private: your answers never leave your browser ✓ Based on federal rules

1 in 5in-network claims were denied by ACA Marketplace insurers in 2024
Source: KFF

<1%of those denials were appealed by patients
Source: KFF

~1 in 3internal appeals ended with the denial overturned
Source: KFF

Free bill check

About 3 minutes. Nothing you type is sent anywhere or stored.

What's going on? (pick all that apply)

I got a medical or hospital bill I can't afford or that looks wrong My insurance denied a claim or a prior authorization I got a surprise out-of-network bill (ER, air ambulance, or an out-of-network doctor at an in-network hospital) I paid self-pay / uninsured and the bill is much higher than the estimate I was given

How it works

1. Answer a few questions

What happened, your insurance, and roughly what your household earns.

2. See your options

Financial assistance, surprise-bill protection, appeals, and the deadline for each.

3. Send the letter

We fill in a clear, rule-based letter. You review, sign, and send it yourself.

Pricing

The bill check and every letter are free during our beta.

Bill check

Free

Your rights, deadlines and letters. No account.

AI bill scan coming soon

Beta

Upload your itemized bill and EOB; we flag duplicate charges and likely errors line by line.

Case tracking coming soon

Beta

Deadline reminders and follow-up letters until your bill is resolved.

Get early access to the AI bill scan

We'll only email you about the launch. Unsubscribe anytime.

Questions

Is this really free?

Yes. The check and the letters are free during beta. Later we'll offer paid extras (AI bill scanning and case tracking); the basic check will stay free.

Do you store my information?

No. The check runs entirely in your browser. Your answers and letters are not sent to us or anyone else. Close the tab and they're gone.

Are you lawyers?

No. Billmira is a self-help tool that explains publicly available federal rules and gives you letter templates. We don't represent you or contact anyone on your behalf. For complex cases, a patient advocate or attorney can help.

What is hospital financial assistance?

Nonprofit hospitals must have a written financial assistance policy (sometimes called "charity care") and let you apply for at least 240 days after the first bill after discharge. Many policies give free or discounted care to households under 200%–400% of the federal poverty level. See the IRS rules.

What does the No Surprises Act cover?

If you have insurance, it generally protects you from out-of-network bills for emergency care, for many out-of-network providers at in-network hospitals and surgery centers, and for air ambulance. Details at CMS.gov or the No Surprises Help Desk, 1-800-985-3059.