See How Much You're Being Overcharged by Your Doctor or Hospital.
Enter your itemized bill codes (or upload a photo) to expose inflated markups and see what your bill should actually cost. 100% free to check.
Code or CPT with 5 numbers (like 99285 for an ER visit or 80053 for blood work).
Copy and paste this into your provider's or hospital's online message center (like MyChart) or read it over the phone:
"Hello, I am requesting a free itemized bill that shows the 5-digit procedure code and exact dollar charge for every item on my account, and I ask that you put a 30-day hold on my bill until you send it."
How Argos Bill Audit Works in 3 Simple Steps
Argos checks your itemized medical bill to keep hospitals and doctors honest—so you only pay what is fair.
Enter the 5-Digit Codes and What They Want You to Pay
Type in just the 5-digit codes and dollar amounts from your itemized bill (or upload a photo). That's all we need to start.
We Check Every Code Using Official Prices and Billing Laws
Whether you have private insurance (like Blue Cross, Aetna, or United) or pay out of pocket, we check your codes against 13,637 official US baseline prices, federal double-billing rules, and your state's billing laws to show where they overbilled you—100% free.
Get Your Fair-Price Report, Custom Dispute Letter & Phone Script
We show you what you should actually pay and hand you a ready-to-send dispute letter and word-for-word supervisor phone script to make them lower your bill.
Why I Built Argos Bill Audit
It started when my kid got hurt and we had to go to the ER.
Thankfully, my child was okay. Then, a few weeks later, a massive hospital bill showed up in the mail, even though we had health insurance.
I did what everyone tells you to do: I called the hospital and asked for an itemized bill.
When it arrived, I was staring at a page of 5-digit codes and crazy prices. I had the itemized bill in my hand, and I had no clue what to do with it next.
When I called the billing office, they told me, "Those are our standard rates, and it's your deductible." I knew we were being overcharged, but I couldn't prove it.
So I spent weeks of late nights digging through official government baseline price lists, federal double-billing rules, and state hospital laws until I finally had the proof to make the hospital lower our bill.
It should NOT take forty hours of homework just to pay a fair price.
When you're dealing with a medical bill, you already have enough on your plate. I built Argos Bill Audit to do that research for you in two minutes, and hand you the exact numbers, letter, and phone script you need to push back.
Simple, Flat-Fee Pricing (Keep 100% of What You Save)
Traditional medical bill negotiators take 30% of your savings ($1,500+ on a typical ER bill). With Argos Bill Audit, checking your bill is $0, and your complete dispute packet is a flat one-time fee.
Everything you need for 1 medical bill: Printable Overcharge Audit PDF + Custom Dispute or Refund Letter + Supervisor Phone Script + 30-Day Billing Freeze Notice.
Unlimited hospital, ER, lab, imaging, and doctor bill audits + complete dispute packets and phone scripts for your entire family for 12 months.
Our 100% Risk-Free Patient Promise:
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$0 Upfront Overcharge Check: See every inflated code and your exact savings before paying anything.
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$250+ Savings or It's Free: 100% money-back guarantee if we don't find at least $250 in bill errors or overcharges.
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100% Private & Instant: Ready in 2 minutes. No waiting weeks for an outside negotiator or sharing your SSN.
Why Families Choose Argos Bill Audit
Everything Included in Your $39 Packet:
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Line-by-Line Fair Price Report: Every code checked against official US baseline prices (Free to see first).
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Custom Legal Dispute Letter: Cites federal double-billing rules & your state's patient laws.
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30-Day Billing Hold Notice: Pauses billing & collections while your dispute is reviewed.
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Supervisor Phone Script: Word-for-word script to get past the front-desk rep and lower your bill.
Common Questions from Parents & Families
Straight answers on insured bills, old or already-paid bills, credit scores, and how to get an itemized statement.
1. Does Argos Bill Audit only work for hospital bills, or can I check doctor, urgent care, lab, and imaging bills too?
Yes. You can check any medical bill that uses 5-digit procedure codes. Our 13,637-code official price database covers hospital stays, ER visits, separate ER doctor bills, urgent care clinics, doctor & specialist office visits, blood tests & lab work (like Quest or LabCorp), MRI, CT & X-ray imaging centers, outpatient surgeries, anesthesia, and ambulance bills.
2. Does this work if I have health insurance and am paying toward my deductible?
Yes, in three ways: First, if the provider billed an inflated visit level (like a Level 5 emergency for a basic walk-in visit) or charged extra for routine supplies that should be included, fixing the code lowers what you owe toward your deductible. Second, comparing your bill to your insurance EOB catches illegal balance-billing. Third, nonprofit hospital financial aid applies to insured families with high deductibles, not just uninsured patients.
3. Can I check an old bill from 1+ years ago (even if I already paid it)?
Yes. You can check a medical bill from 1 to 4+ years ago whether it is unpaid or already paid:
- If the old bill is unpaid or in collections: You have the legal right to demand an itemized audit and challenge inflated prices before paying.
- If you already paid the bill: Argos Bill Audit switches your letter to a Formal Overpayment Refund Request. Please note an important rule on already-paid bills: once you have voluntarily paid a bill, providers are legally required to send you a refund check only when at least one of 3 things happened: (1) you paid more than the "Patient Responsibility" box on your insurance EOB, (2) you qualified for nonprofit hospital financial aid at the time of service, or (3) the bill had a clear coding, double-billing, or No Surprises Act error.
4. What if my bill only shows summary categories ("Emergency Room", "Lab") and no 5-digit codes?
Providers usually mail a summary "balance due" statement first. Never pay from a summary statement. Click the link under the main button at the top of this page (or inside Step 1 of the Wizard) to copy our 1-sentence Itemized Bill Request into your provider's online portal or read it over the phone. By law, they must send you the itemized bill with 5-digit codes, and most billing offices will pause your bill for 30 days while they send it.
5. Will disputing my bill hurt my credit score?
Medical bills have stronger credit rules than any other debt:
- All three credit bureaus (Equifax, Experian, TransUnion) ban medical bills under $500, paid medical bills, and medical bills less than 365 days old from appearing on credit reports nationwide.
- States including California, New York, Colorado, Minnesota, and New Jersey ban medical debt from credit reports completely.
- Sending our dispute letter puts a written request on file for a 30-day billing hold while the billing office reviews your account.
6. Is my bill photo kept private?
Yes. If you upload a photo of your bill, it is only used in memory to read your 5-digit codes and dollar amounts and is never saved to a database or shared with anyone. You can also type your 5-digit codes by hand without uploading anything.