Medical bills in the United States can feel like a trap. Millions of patients each year are shocked to receive massive bills for services they didn’t expect or agree to. For many, these charges are inflated far above what Medicare would pay or what the services actually cost the provider.

In the recent podcast "Make Money by Negotiating Your Medical Expenses?", Matt Ungs, founder of Patient Fairness, explained how patients can protect themselves and potentially save hundreds or even thousands of dollars by challenging problem medical bills head-on.

At Patient Fairness, we believe that with the right tools, patients can stand up for themselves, dispute unfair charges, and reclaim their financial peace of mind.

Why Patients Overpay for Medical Bills

Too often, patients assume that they owe a medical bill simply because a hospital or physician sent it to them. But as Matt Ungs points out, the cause of most problem medical bills is that they lack an advance, shared understanding between the provider and patient on what services and prices the patient will pay. Providers set their own billed charges.  Providers and health plans negotiate the prices paid under insurance benefits. 

Hospitals charge an average four times of what it costs the hospitals to render the services. Health plans pay hospitals an average of roughly two and a half times of what it costs the hospitals to render the services.   Did the patient ever agree to these prices?  Many patients don’t know that they can dispute medical bills if they did not agree to the prices. Unaware of their rights, many patients simply pay the amounts billed.

Over time, these inflated charges contribute to the growing medical debt crisis that affects millions of Americans.

How Disputing a Medical Bill Can Save You Money

Disputing a medical bill isn’t just about making a point — it can lead to real, measurable savings.

When you dispute a bill effectively:

• You can challenge excessive prices.
• You can raise concerns about costs that were not disclosed in advance.
• You can use legal protections like the No Surprises Act.
• You can have the bill rescinded or slowered.

Matt Ungs emphasized that the earlier you act, the better your chances of success. And the Patient Fairness process is specifically designed to help you do it quickly and confidently.

The Patient Fairness Process: Step-by-Step

Here’s how Patient Fairness helps you challenge an unfair medical bill without needing expensive attorneys or advocates:

Step 1: Problem Medical Bill Assessment

It all begins with a free, no-commitment Problem Medical Bill Assessment on the Patient Fairness website. By uploading your medical bill and related documents, and answering a few questions, we help you gather and organize the critical information about your bill, such as:

• Are you being balance billed for charges you do not owe?
• Did the provider appropriately disclose the services and costs it expects the patient to pay?
• How do the medical bill prices compare to Medicare rates and a hospital’s cost to render the services?
• Does the medical bill involve potential violations of federal and state laws and consumer protections, such as the No Surprises Act?
• Are there any other irregularities or concerns about the medical bill or its circumstances?

Before you pay anything, Patient Fairness will tell you what reasons, if any, we find to help you dispute your problem medical bill.

Step 2: Professional Letter of Dispute

Once you decide to move forward and open a case, Patient Fairness creates a professional Letter of Dispute tailored to your specific situation.

This letter:

• Gives notice that you are formally disputing the medical bill.
• Presents your concerns clearly and factually.
• Notifies the provider that the dispute must be resolved before you pay anything further.
• ll not pay the medical bill while it is under dispute.

Patient Fairness mails this letter on your behalf. IThis formal process shows providers you are serious about the dispute, and puts you in a stronger position in your challenge.

Step 3: Support Through Resolution

As your dispute progresses, Patient Fairness guides you through what comes next. We help you:

• Determine if the provider has addressed your concerns from your Letter of Dispute
• Compare the provider’s charges to Medicare pricing and estimated hospital costs
• Evaluate settlement offers from the provider, or that you want to make
• Decide what, if any, amount you are willing to pay on the medical bill

If you choose to settle, Patient Fairness supplies templates to record the agreement in writing.
If no settlement is reached, you’ll still have a documented, formal record of your dispute, a critical advantage if the provider attempts future collections.

Throughout the entire process, you stay in control making your own decisions, using our tools and strategies to manage your dispute smartly and confidently.

Why Represent Yourself?

One of the key lessons from Matt Ungs in the podcast is this:

Patients are their own best advocates.

Providers are often more cooperative when dealing directly with the patient instead of a third-party advocate or attorney. After all, you are their customer and you are the one with leverage, especially if you haven't paid the bill yet.

Patient Fairness helps you to represent yourself but with professional-grade support behind you. You avoid the high costs of hiring someone else and you keep full control over your dispute and decisions.

Take Control of Your Medical Bills Today

Medical bills shouldn’t leave you feeling powerless. You have rights. You have leverage.
Patient Fairness has the tools to fight back intelligently and effectively.

Start with a free Problem Medical Bill Assessment at Patient Fairness. There’s no obligation  to pay and if you choose to move forward, you’ll get access to powerful tools and step-by-step guidance for a flat fee starting at just $49.

Don’t leave your financial future to chance. Take the first step today and fight for the fair treatment you deserve.



Start Your Free Problem Medical Bill Assessment Now