Solomon Copilot™Can't afford your medical bills?
If a bill feels impossible, the worst move is to ignore it, and the second worst is to pay it before checking it. Here are your real options, in order.
Start with the bill itself
Before arranging to pay anything, make sure the amount is correct. With up to 80% of bills containing errors, the cheapest reduction is often simply removing what was billed wrong. Get the itemized bill and review it first.
Your options
- Dispute errors and overcharges. This can lower the balance before any payment arrangement.
- Ask about financial assistance / charity care. Many hospitals have programs that reduce or eliminate bills based on income; you often have to ask.
- Request the cash/self-pay rate. Frequently far below the list price.
- Set up an interest-free payment plan. Spreads a corrected balance over time.
Dispute first, then negotiate the corrected number, then arrange a plan on what's actually owed. Paying or financing an uncorrected bill locks in the overcharge.
Stop guessing. See your bill, line by line.
Solomon scans every charge against current benchmarks, flags the errors and overcharges, and writes the dispute letter they will answer.
Analyze My Bill →Common questions
Should I put a medical bill on a credit card?
Be cautious, financing an unreviewed bill can lock in errors and add interest. Review and dispute first, then consider an interest-free hospital payment plan on the corrected amount.
What is charity care?
Hospital financial-assistance programs that reduce or eliminate bills for patients below certain income levels. Eligibility and applications vary by hospital, and you typically have to request it.
Reviewed and updated 2026-05-31 by Nisha A. Kuttothara, J.D.