Questions people actually ask

Bill analysis is free. We may add paid extras later (like certified-mail delivery of your dispute), but the core analysis and letter generation stay free for patients.

You may still recover money. Hospitals routinely issue refunds when shown a documented overcharge. The dispute letter works the same way; you're just asking for a refund instead of a reduction.

Partially. We can flag obvious issues, but a full analysis needs the itemized statement. Every hospital must provide one free of charge, and we'll give you a short script to request it.

You've lost nothing but time. Sending a dispute letter doesn't waive any of your other rights. You can still negotiate, apply for charity care, appeal, or pay the original bill.

No, and CareGap isn't a law firm. The letters we generate are consumer-written letters citing real statutes, which you send yourself. If you receive legal threats or a court summons, that's when to consult a lawyer.

Most analyses finish in under a minute. A longer multi-page bill can take a little more time while every line item is read and checked.

A photo or scan as JPG or PNG, or a PDF, up to 10 MB. A clear, straight-on image with readable text gives the best result.

As many as you like. There is no limit, no cost, and no account required.

Yes. You can enter a charge by hand using the manual-entry option on the home page, which is handy when a bill photo is blurry or a code was read incorrectly.

No. CareGap is built for uninsured, underinsured, and self-pay bills. We don't need your insurance details to analyze a bill or generate a dispute letter.

No. We're an independent consumer tool. We don't receive payments, referrals, or data from any hospital, insurer, or provider.

Uploaded files are deleted within 24 hours. Analysis results stay only for your session. We don't keep a permanent database of patient bills.

Yes. You never have to enter your name to analyze a bill. If you use manual entry, only the details you type are used.

Not yet. CareGap is currently built for provider bills (hospital and clinic charges). EOB disputes involve insurance-specific logic we plan to support in a future release.

Partially. Our CMS fee-schedule comparison is calibrated for medical procedures. Dental and vision use different coding systems (CDT for dental), so we'll flag obvious issues but accuracy is lower.

All 50 U.S. states. Federal protections (No Surprises Act, 501(r), FDCPA) apply everywhere; state-specific protections are matched based on where the care was delivered.

Yes, though it's tuned for self-pay and out-of-network bills. If your insurer already processed the claim, it also helps to compare the balance due against your Explanation of Benefits.

Each code is compared against the published Medicare fee schedule, so the benchmark itself is precise. Whether a charge is worth disputing also depends on context, which is why every flag is explained rather than just labeled.

No. CareGap gives you the analysis and a ready-to-send letter. You send it and handle any negotiation yourself, which keeps you fully in control.