Medical Bill Negotiator: IQ

The app that helps you fight back against medical bills.

Got a hospital bill you can't afford? IQBill helps you negotiate it down, dispute errors, and find financial assistance programs — all with AI-powered guidance and personalized, ready-to-send letters.

Stop staring at that bill hoping it goes away. Most people don't realize medical bills are negotiable, and up to 80% contain errors. IQBill gives you the tools and scripts to actually do something about it.

HOW IT WORKS:
Describe your situation — the bill amount, your income, what happened, upload documents. IQBill analyzes your case and generates personalized negotiation letters, phone scripts, and step-by-step action plans to help you attempt to reduce what you owe.

AI-POWERED NEGOTIATION HELP:
- Generate dispute letters for billing errors
- Create financial hardship letters for reduced bills
- Get phone scripts for calling billing departments
- Generate requests for itemized bills and explanations of benefits
- Generate appeals for denied insurance claims
- Identify applications for hospital charity care programs
- Helps you negotiate lump sum settlements for discounts

KNOW YOUR RIGHTS:
- Understand what hospitals are required to offer
- Learn about charity care and financial assistance
- Know the timeline before bills hit your credit
- Protect yourself from unfair collection practices

FEATURES FOR MEDICAL DEBT:
- AI analysis of your bill and situation
- Personalized negotiation letters ready to send
- Phone call scripts for billing departments
- Step-by-step guides for each strategy
- Track your bills and negotiation progress
- Save successful templates for future use
- Educational content on medical billing rights

MADE TO ANALYZE ANY MEDICAL BILL:
- Hospital stays and emergency room visits
- Surgery and procedure charges
- Doctor and specialist visits
- Lab work and imaging
- Ambulance and transport fees
- Out-of-network surprise bills
- Denied insurance claims

WHO THIS HELPS:
- Anyone with a medical bill they can't afford
- People with high deductibles and copays
- Families dealing with unexpected medical costs
- Anyone who got a surprise bill
- People whose insurance denied coverage

IQBill requires a subscription or purchase to use, detailing below:

PREMIUM PLANS ($2.99/week, $7.99/month, $24.99/year discount, $39.99/year, $59.99/lifetime):
- More AI negotiations and letters
- All let