The Medical Bill Rescue Kit: Lower, Fix or Pause a Hospital Bill (Letters, Scripts, Error Checklist & Bill Tracker)

Got a medical bill you can't pay? Don't pay it yet. Most people don't know how much of a medical bill can be lowered, fixed or forgiven. This kit shows you how, one step at a time.

IF YOU ONLY DO ONE THING TODAY: call the billing number and ask for an itemized bill, the hospital's financial assistance application, and a hold on your account. The kit gives you the exact words.

A 13-page printable kit plus editable Word letters:

1. Get the itemized bill: a letter and a phone script.

2. Find the mistakes: a 10-point error checklist (duplicate charges, upcoding, wrong dates, insurance not applied) and a line-by-line review worksheet.

3. Apply for hospital financial assistance: your rights at nonprofit hospitals (including the 240-day window to apply and the pause on collections while you apply), a documents checklist, and a request letter.

4. Uninsured or paying yourself: how to get a Good Faith Estimate, and how to dispute a bill that's $400 or more over it.

5. Negotiate what's left: 4 word-for-word scripts for a discount, an interest-free payment plan, a billing hold, or a supervisor.

6. If it went to collections: a letter asking the collector to prove the debt, and how medical debt shows on credit reports today.

Plus: cut-out phone cards for your wallet, a bill tracker and a call log.

NO PRINTER? All 3 letters come as Word files you can edit in Word or Google Docs and email. The free Bill Help Now app (billhelpnow.com/app) also fills them in on your phone.

Facts checked October 2026 against IRS, CMS and CFPB sources. Includes free resources too, like Dollar For, a nonprofit that can apply for hospital financial assistance for you.

WHAT YOU GET: One PDF (US Letter) + a ZIP of 3 editable Word letters.

CAN'T AFFORD IT RIGHT NOW? Use code HELPNOW at checkout. It makes this kit free. No email, no proof needed.

YOUR DOWNLOAD: Payhip emails your download link right after purchase. Keep that email; the link works any time you need to download again.

This kit is general information, not legal, medical, tax or financial advice.

Instant digital download. All sales final.