What if my insurance already 'paid' but I still got a bill?

Balance billing — provider billing you the difference between their charge and what insurance paid. The No Surprises Act made this illegal for out-of-network emergency care and certain non-emergency hospital-based services. We file the protections that apply to your specific situation.

My bill is in collections — am I out of options?

No. Disputing the underlying bill stops the collector under FDCPA §1692g while the dispute resolves. And the No Surprises Act + state itemization laws still apply — collections doesn't extinguish the protections.

Medical billing · Surprise bills · Hospital overcharges

Got a medical bill that's too high? We get it lowered.

Surprise charges, balance billing, duplicate codes, hospital errors. The No Surprises Act and state itemization laws give you teeth — we use them. Free triage on every bill.

$400 – $4,000 typical · $10K+ on surprise-billing cases

FREE

first month

50% OFF

for life

+1 mo

per friend

If any of this is happening to you

We have the playbook for your exact situation.

Bill is way higher than your insurance estimate (or there was no estimate)

An out-of-network provider showed up on an in-network hospital visit

ER trip ended in a five-figure bill you can't make sense of

Hospital can't or won't produce a real itemized breakdown

Sent to collections while you're still trying to dispute it

The law on your side

No Surprises Act (2022)

Authority

42 USC §300gg-111

Caps out-of-network ER bills and certain non-emergency charges at in-network cost-sharing. Patient-Provider Dispute Resolution gives uninsured/self-pay patients a federal pathway when the bill exceeds the Good Faith Estimate by $400+.

The process

Three steps. The agent does the rest.

Send us the bill.

Upload the document — bill, denial letter, deposit itemization, collection notice. We read it, identify which protections in No apply to your specific facts, and tell you what we’d recover. Free triage.

Approve the plan.

We show you the theory of the case — which laws apply, which letters we’d send, what the recovery range looks like. Nothing goes out until you say go.

We do the rest.

Certified mail, deadline tracking, response parsing, escalation when ignored. You only hear from us when there’s a decision to make. Most cases resolve in under 30 days.

Questions, answered

Common questions.

Balance billing — provider billing you the difference between their charge and what insurance paid. The No Surprises Act made this illegal for out-of-network emergency care and certain non-emergency hospital-based services. We file the protections that apply to your specific situation.

Still wondering? Email hello@dotandcross.io — we read every message.

Closes the day we launch

First month free.
50% off for life.

Two minutes to reserve your spot. Drop your email — we’ll handle the rest when we open.