First move
Request records
Start by collecting the bill, EOB, and denial reason in writing.
Document checklist
Call script
Saved bill notes (this browser only)
This tool helps organize questions and documents. It does not decide whether you owe the bill or replace advice from a licensed professional.
Sources: CMS medical bill rights, CMS No Surprises rights, CFPB medical debt resources. Last checked May 24, 2026.