Upload your bill or email it to CostKits. We'll show you possible errors and next steps.
Our AI reviews your medical bill in seconds — spotting duplicate charges, hidden fees, and errors most people miss.
Built with healthcare billing data from thousands of providers.
Instantly flags common mistakes that inflate your costs.
You stay in control — we never share or sell your data.
Get a free summary and step-by-step next actions.
Upload your medical bill or EOB in seconds
Our AI instantly identifies billing mistakes and overcharges
Download ready-to-send dispute letters with regulatory citations
You keep 100% of your savings—no 20–40% commission fees.
CostKits was founded by healthcare professionals with over 20 years of experience in consumer healthcare, health provider analytics, insurance pricing, medical claim analytics, and healthcare reform. Our team has worked with major insurers and medical groups to simplify healthcare costs for families.
|
Free
$0
forever
|
Premium
$15
per month or $150/year
|
|
|---|---|---|
| Document Management |
LIMITED
3 bills
10MB max file |
✓
Unlimited
50MB max file |
| AI Assistance |
LIMITED
19,200 tokens lifetime
(~3 questions) No bill summary |
✓
500,000 tokens/month
(~250-300 questions) Error detection |
| Family Features |
✗
|
✓
Manage family members
|
With CostKits, there is no additional payment if we help you recover money from a bill. Other services charge an additional fee as a percentage of the savings, but you keep it all with your CostKits plan.
The average family overpays $2,000–$5,000 annually on medical bills due to billing errors. Our users identify overcharges, negotiate adjustments, and catch errors before paying. Savings depend on your specific bills, but many see results within the first month.
Not necessarily. CostKits gives you the same bill analysis tools and dispute letter templates that professionals use—at a fraction of the cost. You maintain control and pay only $15/month instead of hundreds in professional fees.
The AI is a guide, not a decision-maker. You review every finding and decide what to dispute. Our analysis highlights common errors like duplicate charges, out-of-network overcharges, and unbilled insurance credits—but you always have the final say.
Most providers respond to disputes in 30–45 days. CostKits speeds up the process by generating professional dispute letters that cite specific billing errors. Many users get partial or full reversals, and some see adjustments within weeks.
Yes. CostKits analyzes bills from any insurance plan (Medicare, Medicaid, marketplace plans, employer plans, etc.). You upload both the medical bill and your insurance EOB, and we identify discrepancies.
Absolutely. Surprise bills are one of the most common errors we catch. We identify out-of-network charges that should have been covered, help you gather evidence, and provide dispute letter templates based on your state's surprise bill protections.
Premium users can upload unlimited bills and manage medical records for the entire family. This is especially valuable for families with chronic conditions or frequent medical visits who need systematic bill tracking.
No. Upload a bill, and you get instant AI analysis showing potential overcharges and errors. Generating a dispute letter takes under 5 minutes. The hardest part is waiting for the provider's response.
That's good news—it means you're paying fair prices. But don't assume all bills are error-free: studies show 1 in 5 medical bills contains billing mistakes. CostKits provides peace of mind that your bills have been reviewed by a system trained to spot errors most people miss.
No. Disputing medical bills does not affect your credit score. In fact, challenging billing errors can prevent incorrect charges from impacting your credit if left unpaid.
Yes. We are HIPAA compliant and use bank-level encryption to protect your medical information. Your data is never shared with third parties without your explicit consent.
Yes! You can upload both medical bills and Explanation of Benefits (EOB) statements. Our AI compares them to identify discrepancies and billing errors.