Stop Overpaying for Medical Bills
Upload your medical bill and our AI instantly finds overcharges, duplicate charges, and billing errors — then generates a dispute letter you can send today.
3–10x
Hospitals often charge 3 to 10 times what Medicare considers fair.
Source: CMS Medicare Physician Fee Schedule
56%
of insurance claim appeals succeed — but less than 1% of people ever try.
Source: Kaiser Family Foundation
No account required. Your bill is analyzed and deleted — we never store your data.
How It Works
Three simple steps to find out if you're being overcharged — takes less than 2 minutes.
Upload Your Bill
Take a photo or upload a PDF of your medical bill. We accept hospital bills, EOBs, and itemized statements.
AI Analyzes Everything
Our AI extracts every line item, CPT code, and charge — then compares against Medicare fair pricing to find errors.
Get Your Dispute Kit
Receive a formal dispute letter addressed to the hospital and a word-for-word phone script to negotiate your bill down.
Why FiatVera?
Medical billing errors affect 80% of hospital bills. We give you the tools to fight back.
100% Free
No hidden fees, no subscription required. We believe everyone deserves fair medical billing.
Your Data Is Deleted
Your bill is analyzed in real-time and immediately discarded. We never store, sell, or share your medical information.
Medicare Rate Benchmarks
We compare every charge against CMS Medicare reimbursement rates — the gold standard for fair medical pricing.
Catches Real Errors
Duplicate charges, unbundling, upcoding, phantom charges — we check for the billing tricks that cost Americans billions.
Ready-to-Send Letters
Get a formal dispute letter citing specific CPT codes, regulations, and fair pricing — addressed to your hospital.
Phone Script Included
Not sure what to say? Get a plain-language phone script you can read word-for-word when you call billing.
See What We Find
Here's an example of what a FiatVera audit looks like. Real bills often have even more errors.
Total Billed
$1,205.00
Fair Market Value
$150.00
Potential Savings
$1,055.00
| CPT Code | Description | Charged | Medicare Rate | Issue |
|---|---|---|---|---|
| 99213 | Office visit, established patient | $350.00 | $110.00 | Excessive |
| 85025 | Complete blood count (CBC) | $180.00 | $11.00 | Excessive |
| 85025 | Complete blood count (CBC) | $180.00 | $11.00 | Duplicate |
| 80053 | Comprehensive metabolic panel | $420.00 | $15.00 | Excessive |
| 36415 | Routine venipuncture | $75.00 | $3.00 | Excessive |
* This is a sample audit for demonstration purposes. Medicare rates shown are approximate national averages.
Frequently Asked Questions
Is FiatVera really free?
Yes, 100% free. No subscription, no percentage of savings, no hidden fees. We believe everyone deserves access to fair medical billing information.
How does FiatVera find errors in my bill?
Our AI extracts every line item, CPT code, and charge from your bill. We then compare each charge against CMS Medicare reimbursement rates — the federal benchmark for fair pricing — and check for common billing errors like duplicate charges, unbundling, and upcoding.
What types of bills can I upload?
We accept hospital bills, itemized statements, and Explanation of Benefits (EOB) documents. You can upload a photo (JPEG, PNG) or a PDF. For best results, upload an itemized statement rather than a summary bill.
What happens to my medical bill after I upload it?
Your bill is analyzed in real-time using AI and then immediately discarded. We do not store, save, or share your medical information. Only anonymized aggregate data (like 'Hospital X overcharged for CPT 99213') is kept to build our public billing database.
Will the dispute letter actually work?
Many hospitals will negotiate when presented with specific CPT codes, Medicare rate comparisons, and regulatory citations. Our letters are designed to be formal and evidence-based. While results vary, most people find that simply asking with the right information leads to significant reductions.
Is this legal advice?
No. FiatVera is not a law firm, medical billing company, or healthcare provider. We provide AI-powered analysis tools and informational estimates only. You should consult with a qualified professional for legal or medical billing advice.
What are Medicare rates and why do you use them?
Medicare rates are the amounts the federal government pays for medical services. They are set by the Centers for Medicare & Medicaid Services (CMS) and are widely considered a fair benchmark for what medical procedures should cost. Hospitals often charge 3-10x the Medicare rate for the same service.
Ready to Find Out What You Really Owe?
Upload your medical bill now and get a complete audit in under 2 minutes. No account needed.
Audit My Bill Free