💡 Healthcare billing in the U.S. is confusing by design — patients often pay far more than they should.
🏥 Doctors cut special deals with big insurance companies, accepting much lower rates for the same care.
❗ If you’re uninsured or paying cash, you’re usually billed the full, inflated price.
🤝 Insurance companies work like unions — they represent huge groups of patients and use that power to push doctors into accepting lower prices. If a provider charges too much, insurers can take all their customers elsewhere.
⚖️ ClearClaim helps you fight back with the same leverage — even without insurance.
📸 Upload a photo of your bill. We’ll show what insurers pay for the same procedures.
✍️ If you’re charged more, we generate a dispute letter you can send to the billing department asking for that fair price insurance companies get.
🔒 A new federal rule keeps medical debt off your credit report, and collections agencies often settle for less — so you have leverage.
Know Your Rights
📜 A new CFPB rule (effective 2025) bans medical debt from credit reports — it can no longer hurt your score.
⏳ You can dispute or delay payment without fearing credit damage.
💬 Collections agencies often accept far less than the full debt, even years later.
💪 That gives you real leverage — you don’t have to pay full price immediately.
