CostKits Healthcare, Organized

Is My Medical Bill Too High?

A free 2-minute screener that tells you whether you have what's needed to check — before you spend anything.

Most patients can't tell whether a medical bill is accurate just by looking at it — you need to compare it against your insurer's Explanation of Benefits line by line. This screener doesn't do that comparison itself. It answers a simpler question first: do you already have what you'd need to find out, or is something missing?

What this screener checks

The Bill Screener asks three quick questions about the paperwork you have — the provider bill and the matching statement from your insurer, often called an Explanation of Benefits. It doesn't compare any dollar amounts and it doesn't ask you to upload anything. It exists purely to answer one question: is a real review worth paying for yet?

Best for
  • Anyone who just received a medical bill
  • Caregivers managing a parent's bills
  • Anyone unsure if they even have enough to check
Use cases
  • Confirm you have the right paperwork before paying for a review
  • Find out exactly what document is still missing
  • Decide between a one-time review and an ongoing membership
Topics
Bills EOB Insurance Claims Overcharges

How the bill screener works

STEP 1
Answer three quick questions
About the bill and the matching statement from your insurer — under two minutes.
STEP 2
Get a clear answer
Ready to review, or a specific list of what's still missing — no guesswork.
STEP 3
Choose how to proceed
A one-time $29 review, or a membership if you're managing bills on an ongoing basis.

Frequently asked questions

Is my medical bill too high?
Often, yes — medical bills contain errors and overcharges more often than most patients realize. The only way to know for certain is to compare your provider bill line-by-line against your insurer's Explanation of Benefits. This free screener tells you whether you already have what's needed to do that comparison.
What documents do I need to check a medical bill?
At minimum, the provider bill itself and the matching statement from your insurer, often called an Explanation of Benefits. An itemized bill makes a deeper code-level review possible, but isn't required to get started.
Does the screener cost anything?
No. The screener is free and takes about two minutes. It only tells you whether your paperwork is complete enough for a review — the $29 charge only applies if you move forward with the actual bill review.
What if I don't have my Explanation of Benefits yet?
The screener will tell you exactly what's missing. We don't recommend paying for a review until both sides of the paperwork are in hand — without the insurer's statement, there's nothing to compare the bill against.
How much does a full bill review cost?
A one-time review is $29 and covers one bill. If you're managing bills for yourself, a family member, or as a caregiver on an ongoing basis, a CostKits membership ($15/month or $150/year) covers unlimited bills.
Will the screener tell me my bill is wrong just to get me to pay?
No. The screener only evaluates whether your documents are complete — it does not compare dollar amounts or claim to find an error. The actual comparison happens in the paid review, and it may confirm the bill is correct. See our guide to reading your medical bill for more on what to look for yourself.

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