MD-012 · Finance & Bills

CutMyBill Medical

Check a medical bill for errors and negotiate it down.

Compares a charge with what Medicare and private insurers typically pay, screens for No Surprises Act protections and hospital financial assistance, and walks through negotiation and collections. Receives amounts and categories, not identities.

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Health

Live

Latency

85ms

Uptime 7d

100%

Uptime 30d

100%

Muse status

Connect by URL

Auth · Price

No auth · free

Last 24 hours · 2 checks logged

Each bar is one MCP initialize handshake, every 15 minutes. Last checked 2026-09-22 18:00:52.

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Tools · 15

start_hereCall this first. Returns the rules for using CutMyBill Medical, the order to work in, and what it can and cannot do. CutMyBill Medical helps a person check a medical bill for errors, compare the price with what Medicare and private insurers typically pay, screen for No Surprises

get_bill_checklistReturns what to pull from the bill and the explanation of benefits (EOB) before doing anything else, and what each fact unlocks. You gather these on your side. Nothing from the bill is sent to CutMyBill Medical. Read only.

get_itemized_bill_requestReturns a short phone script and a letter the person can send to get a fully itemized bill with procedure codes, and to ask that the account be held while it is reviewed. You fill in the person's details on your side. Read only.

check_bill_errorsChecks the lines of an itemized bill for the patterns that most often turn out to be billing errors: duplicate lines, quantities that look too high, the highest visit levels, panel tests billed alongside their own components, lump charges with no detail, lines the person says the

check_fair_priceCompares a billed amount with what Medicare pays for the same kind of service, adjusted to the state, and with the range private insurers typically pay. Returns the multiple, for example 'billed at 5.8 times the Medicare rate'. Covers 51 common categories (ER visits, office visit

surprise_bill_checkScreens a bill against the federal No Surprises Act: emergency care, out of network clinicians at an in network facility, air ambulance, and for uninsured or self pay patients a bill that is $400 or more above the good faith estimate. Returns which protections may apply, what the

financial_assistance_guideExplains hospital financial assistance (charity care): nonprofit hospitals are required by federal tax law to have a written policy, and many patients qualify without knowing. Returns the 2026 federal poverty level figures for the household so YOU can do the income math on your s

get_negotiation_playbookReturns the playbook for negotiating one medical bill: the leverage that applies, who to call and what each person can do, a script with the person's own numbers, the asks in order, and the traps. Use after the itemized bill, the error check, the price check and the assistance ch

check_offerChecks a settlement or payment plan offer before the person accepts it. Does the math, compares a discount with what financial assistance and the price benchmark suggest, and flags lump sum pressure, interest, medical credit cards, short deadlines and offers not yet in writing. N

collections_guideFor a medical bill that has been sent to a collection agency, or is about to be. Returns the debt validation letter and its 30 day window, what nonprofit hospitals must do before collections, the current credit reporting position, what to say and not say to a collector, and the o

route_elsewhereUse when the real problem is not the price of the bill. Returns where to go for: a denied or underpaid insurance claim, a Medicare or Medicaid patient being billed, a bill from an accident or a work injury, a non medical bill, or a lawsuit. Read only.

save_listCreates or updates the person's private list of medical bills so nothing is forgotten: what was billed, where each bill stands, the next deadline (assistance window, dispute window, offer expiry) and payment plan terms. Omit list_key to create a new list. Returns a key and a priv

get_listReturns the person's saved list of medical bills with totals and flags for deadlines that are close or have passed. Call this at the start of a return visit.

new_list_linkReplaces the private link to the person's saved list with a new one. The old link and key stop working at once and the list itself is unchanged. Use it when the link was shared by mistake.

delete_listPermanently deletes the person's saved list and everything in it. Use when the person asks to delete their data. Cannot be undone.

Recent checks

2026-09-22 18:00:52live · HTTP 20085ms

2026-09-22 17:45:35live · HTTP 200131ms

Prompts for CutMyBill Medical

Is this medical bill fairRecipe

Compares your bill with typical Medicare and insurer prices and lists errors to check.

CutMyBill Medical

Surprise out-of-network billRecipe

Checks whether the No Surprises Act protects you and what to do next.

CutMyBill Medical

Negotiate a medical billRecipe

What to say on the call and in writing, built around what you can pay.

CutMyBill Medical

Hospital financial assistanceRecipe

Checks whether you might qualify for charity care and how to apply.

CutMyBill Medical

Medical bill in collectionsRecipe

Your options, what to ask for in writing, and what not to agree to on the phone.

CutMyBill Medical

All CutMyBill Medical prompts

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