No Surprises Act
42 U.S.C. § 300gg-111
Blocks surprise balance billing for emergency care and many out-of-network services.
Medical bill analysis
Know what you really owe
Upload a medical bill. CareGap compares every charge against Medicare rates, matches the legal protections that apply to you, and drafts a dispute letter you can send.
No account needed · Not affiliated with any hospital or insurer
CareGap analysis
decoded99283
$812.00ER visit, moderate
99284
$3,200.00ER visit, high complexity
CMS $405.20 · 7.9× over
71046
$219.00Chest X-ray, 2 views
36415
$187.00Routine venipuncture
CMS $8.76 · 21.3× over
No Surprises Act42 U.S.C. § 300gg-111
Total disputable$2,973.04
The decode
Watch an opaque bill become plain-English leverage
This is a representative emergency-room bill. Step through what CareGap does with it.
Riverside General Medical Center
Patient: J. AlvarezAcct #RGM-4419DOS 2026-02-14
Balance due$4,431.00
| CPT | Description | Charged |
|---|---|---|
| 99283 | ER visit, moderate complexity | $812.00 |
| 99284 | ER visit, high complexity | $3,200.00 |
| 71046 | Chest X-ray, 2 views | $219.00 |
| 36415 | Routine venipuncture | $187.00 |
| J1885 | Ketorolac 30mg IV | $13.00 |
Sample bill · name & facility fictional · codes and amounts representative
As billed
Five line items. Two problems hiding in plain sight.
A hospital bill is written in the institution's language: CPT codes, abbreviations, a single balance due. Nothing here tells you which charges are fair and which aren't. That's the point of the format.
CareGap reads every line and compares it to what Medicare pays for the exact same code. Step forward to see what surfaces.
How it works
Three steps from confusion to a letter you can send
01
Upload your bill
Snap a photo or drop a PDF. CareGap reads every line item, not just the total.
02
We decode every charge
Each code is checked against 18,000+ Medicare benchmarks, and your bill is matched to the protections that apply.
03
Send your dispute
Get a ready-to-send letter with exact amounts, statute citations, and a step-by-step action roadmap.
Legal leverage
The protections most patients never hear about
CareGap matches your bill to the federal and state rules that limit what you can be charged, and cites them by statute in your letter.
501(r) charity care
26 U.S.C. § 501(r)
Nonprofit hospitals must offer financial assistance, and screen you for it.
Fair debt collection
15 U.S.C. § 1692 (FDCPA)
Limits how and when a collector can pursue a medical debt, and lets you demand validation.
Right to an itemized bill
45 CFR § 149.610
You can require a line-by-line statement with codes for every charge, free of cost.
Hospital price transparency
45 CFR § 180
Hospitals must publish their standard and negotiated charges you can check against.
EOB matching
ERISA § 503 review
Cross-checks your bill against the insurer's Explanation of Benefits to catch double-charges.
Your data
Private by default
A bill is sensitive. CareGap is built so you never have to trade your privacy to understand it.
Do I need an account?
No. There's no login and no email required to analyze a bill or generate a letter.
What happens to my bill?
It's used to produce your analysis and letter. We never sell it, and we never share it with a hospital, insurer, or collector.
Who can see my data?
Only you. CareGap doesn't broker your information or run ads against it. That isn't our business model.
Is this legal advice?
No. CareGap gives you information and leverage you act on yourself. It isn't a law firm, insurer, or medical provider.
18,000+
Medicare benchmark codes checked
Every line
item read, not just the total
Federal + state
protections matched to your bill
Minutes
to a letter you can send
Start here
See what you can dispute
Upload a bill and get your analysis in under a minute. No account, no cost.
Upload your medical bill
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