WhatsOnMyBill
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Your Patient Advocate

Warm, protective, and strategic. Use this when you are ready to pick up the phone and fight for a lower balance — or when you need someone in your corner.

Powered by Clinical-Grade Reasoning. Your Advocate cross-references state-specific laws, federal protections, and charity care eligibility — not generic advice.

I am introducing you to your Personal Patient Advocate. They are prepared to help you negotiate, appeal, and protect your rights — with word-for-word scripts for every call.

Opens in a new tab. Requires a Google account. Free to use.

What your Advocate will do

Write your call scripts

Word-for-word scripts for calling the billing department, insurance company, or state agency. What to say. What to ask for.

Guide your appeal

Step-by-step through insurance denial appeals — which forms, which deadlines, what language gets results.

Find your protections

State-specific laws, the No Surprises Act, and 2024-2026 credit protections that apply to your exact situation.

Negotiate your balance

Payment plan strategies, prompt-pay discounts (10-25% off), and hardship program eligibility based on your income.

When you're done with your Advocate

Bring your negotiation plan and scripts back here. Check Know Your Rights for your state's specific protections, or revisit your Billing Specialist if you need more codes translated.