# CutMyBill Medical Muse connector

From musedirectory.ai, the independent directory of Meta Muse connectors. Not affiliated with Meta.

## CutMyBill Medical

Check a medical bill for errors and negotiate it down.

- Record: https://musedirectory.ai/connector/cutmybill-medical
- Category: Finance & Bills
- Developer: CutMyBill (https://medical.cutmybill.ai)
- Muse status: Waiting for Meta. Sent to Meta for approval. Until then you can add it with a link.
- Health: Working, 432ms, checked 2026-11-07T01:30:51Z
- Endpoint: https://medical.cutmybill.ai/mcp
- Auth: No account needed; Pricing: free
- Screening: Screened, no issues found (2026-11-05T12:06:55Z)
- Disclosure: Built and operated by the publisher of musedirectory.ai.

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.

How to connect: Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use CutMyBill Medical to help me. It is a free service with an MCP server at https://medical.cutmybill.ai/mcp. It does not need an API key. Ask me before you share anything with it." Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.

Tools:
- start_here: Read only. Returns how CutMyBill Medical works: the recommended order of steps and what it can and cannot do. CutMyBill Medical identifies problems with a medical bill and plans the next step; the person makes the call or sends the letter. CutMyBill Medical helps a person check a
- get_bill_checklist: Returns 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_request: Returns 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_errors: Checks 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_price: Compares 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_check: Screens 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_guide: Explains 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_playbook: Returns 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_offer: Checks 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_guide: For 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_elsewhere: Use 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_list: Write. Creates 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
- get_list: Returns 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_link: Write. Replaces 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_list: Sensitive write: cannot be undone. Permanently deletes the person's saved list and everything in it. Use when the person asks to delete their data. Cannot be undone.

Screening checks:
- MCP handshake: pass (Answered in 213ms)
- Domain against threat feeds (Cloudflare security DNS): pass (medical.cutmybill.ai not flagged)
- Published packages against the OSV malicious-package database: n/a (No npm or PyPI package published)
- Hidden instructions or invisible characters in tool text: pass (15 tools read, nothing found)
- Inputs asking for passwords, card numbers or seed phrases: pass (None found)
- Domain and redirects: pass (Domain registered 44 days ago)
- AI review of purpose and tool behavior: pass (saved bill lists are reachable by anyone with the private link)