Prompt Library

I received a medical bill and need help understanding it. Please analyze this bill for:

1. Duplicate charges (same service billed twice)
2. Unbundled services (procedures that should be billed together)
3. Upcoding (charged for more expensive procedure than performed)
4. Services I may not have received
5. Charges that seem unusually high

Here's my bill:
[PASTE YOUR ITEMIZED BILL HERE]

Please list each potential issue you find with the specific line item and explain why it might be an error.

I received this medical bill and I don't understand what any of it means. Please explain each charge in simple, everyday language:

[PASTE YOUR BILL HERE]

For each line item, tell me:
1. What service or item this actually is (in plain English, not medical jargon)
2. Whether this charge is typical for this type of service
3. Any questions I should ask the billing department about this charge

I have no medical background - please explain it like you're talking to a friend.

I have my hospital bill and my insurance company's Explanation of Benefits (EOB). Please help me compare them to make sure they match.

HOSPITAL BILL:
[PASTE YOUR BILL HERE]

INSURANCE EOB:
[PASTE YOUR EOB HERE]

Please check:
1. Do the charges on the bill match what insurance was billed?
2. Did the hospital apply my insurance correctly?
3. Is my "patient responsibility" amount the same on both?
4. Are there any charges the hospital billed me that weren't submitted to insurance?
5. Are there any discrepancies I should dispute?

My medical bill has these CPT codes and I need to understand what they mean:

[LIST YOUR CPT CODES HERE, e.g., 99213, 36415, 80053]

For each code, please tell me:
1. What service or procedure this code represents
2. Whether this is commonly billed together with any of the other codes (which could indicate bundling issues)
3. A typical price range for this code
4. Any common billing errors associated with this code

I received a medical bill that might be "surprise billing" or "balance billing." Please help me determine if this is legal.

My situation:
- Service received: [DESCRIBE THE SERVICE]
- Where: [Hospital name and type - in-network or out-of-network]
- Date of service: [DATE]
- Was it an emergency? [YES/NO]
- Did I sign any consent forms for out-of-network care? [YES/NO/UNSURE]
- Bill amount: $[AMOUNT]
- What insurance covered: $[AMOUNT]
- What they want me to pay: $[AMOUNT]

Please explain:
1. Does the No Surprises Act apply to my situation?
2. Am I being illegally balance billed?
3. What protections do I have?
4. What should I do next?

I went to the emergency room and received a huge bill. Please help me audit it for common ER billing problems.

Visit details:
- Date: [DATE]
- Reason for visit: [DESCRIBE WHY YOU WENT]
- How long was I there? [APPROXIMATE TIME]
- What tests/procedures did I have? [LIST WHAT YOU REMEMBER]
- Was I admitted or discharged? [ADMITTED/DISCHARGED]

Here's my bill:
[PASTE YOUR ITEMIZED BILL HERE]

Please look for:
1. "Facility fees" that seem excessive
2. Charges for tests I don't remember getting
3. Upcoded ER visit levels (Level 4/5 when it should be lower)
4. Charges that don't match my length of stay
5. Duplicate charges for the same service

Please review this medical bill and identify any duplicate or redundant charges:

[PASTE YOUR ITEMIZED BILL HERE]

Look for:
1. The exact same service billed twice
2. Services billed on multiple dates that should only occur once
3. Charges for supplies that are typically included in a procedure fee
4. Lab tests that appear to be run twice unnecessarily
5. Medications listed multiple times

For each potential duplicate, explain why you think it might be an error and what I should ask the billing department.

Check this bill for "unbundling" - where services that should be billed as one package are separated into multiple charges to increase the total:

[PASTE YOUR ITEMIZED BILL HERE]

Main procedure I had: [DESCRIBE YOUR PROCEDURE]

Please identify:
1. Services that are typically included in the main procedure fee but billed separately
2. Lab panels that were "unbundled" into individual tests
3. Supplies that should be included in surgery fees
4. Anesthesia charges that seem separate from surgery
5. Any other charges that appear to be artificially separated

For each issue, explain the correct way it should have been billed.

I think my bill might have "upcoding" - being charged for a more expensive service than I received. Please analyze:

What I actually received:
- Type of visit: [Office visit / ER visit / Hospital stay / Procedure]
- Complexity: [Simple issue / Moderate / Complex - describe briefly]
- Time spent: [How long approximately]
- Tests/procedures: [What was actually done]

What I was charged (from my bill):
[PASTE RELEVANT CHARGES HERE]

Please check:
1. Is the visit level code appropriate for what I described?
2. Are procedure codes matching the actual services?
3. Is the diagnosis code accurate for my condition?
4. Any charges that suggest a more complex service than provided?

I think some charges on my bill might be for services I never received, or might be for another patient. Please help me verify:

My visit details:
- Date(s) of service: [DATE(S)]
- Reason for visit: [WHY YOU WENT]
- What I remember receiving: [LIST SERVICES YOU REMEMBER]
- My diagnosis: [IF YOU KNOW IT]

My bill:
[PASTE YOUR ITEMIZED BILL HERE]

Please flag:
1. Any services that don't make sense for my diagnosis
2. Charges for body parts or conditions I don't have
3. Medications I would remember taking but didn't
4. Procedures that would have been memorable but I don't recall
5. Services dated when I wasn't at the facility

Please review the medication charges on my hospital bill for potential errors:

[PASTE MEDICATION CHARGES FROM YOUR BILL]

While I was there, I remember being given: [LIST MEDICATIONS YOU REMEMBER]
My regular medications I brought from home: [LIST ANY YOU BROUGHT]

Please check:
1. Am I being charged for medications I brought from home?
2. Are there any extremely overpriced common medications (like $50 Tylenol)?
3. Do the quantities make sense for my length of stay?
4. Are there duplicate medication charges?
5. Any medications that don't match my condition?

Also tell me which charges are most worth disputing.

Help me prepare a phone script for calling the hospital billing department to request an itemized bill. I need:

1. A professional opening that establishes my right to this information
2. Specific language to use if they try to redirect me to the summary
3. How to request CPT codes and service dates be included
4. What to say if they claim they can't provide it
5. How to document the call for my records

My account number is: [ACCOUNT NUMBER]
Date of service: [DATE]
Patient name: [NAME]

Write a phone script I can use to dispute these billing errors with the hospital:

Errors I found:
[LIST THE SPECIFIC ERRORS - e.g., duplicate charge for blood draw, wrong date of service, etc.]

Total amount I'm disputing: $[AMOUNT]

I need a script that:
1. Professionally states I'm disputing specific charges
2. References the specific line items and why they're wrong
3. Requests they put a hold on my account while investigating
4. Asks what documentation I need to provide
5. Gets a timeline for resolution
6. Documents the call properly

Write a phone script for calling the hospital to negotiate a lower bill. My situation:

Original bill: $[AMOUNT]
Amount I can afford: $[AMOUNT]
My insurance status: [Insured - what % they covered / Uninsured]
Fair market price I researched: $[AMOUNT IF KNOWN]

Please give me a script that:
1. Opens professionally and explains I want to discuss my bill
2. Asks about available discounts (cash pay, prompt pay, self-pay rates)
3. Mentions the fair market price if I have it
4. Proposes a specific lower amount
5. Handles common pushback responses
6. Escalates to a supervisor if needed

Write a phone script for calling the hospital to ask about charity care or financial assistance programs.

My situation:
- Total bill: $[AMOUNT]
- Annual household income: $[AMOUNT]
- Family size: [NUMBER]
- Employment status: [EMPLOYED/UNEMPLOYED/PART-TIME]
- Other circumstances: [ANY HARDSHIP - job loss, other medical bills, etc.]

I need a script that:
1. Asks what financial assistance programs are available
2. Asks about income limits for charity care
3. Requests an application form
4. Asks what documentation I'll need (pay stubs, tax returns, etc.)
5. Gets a timeline for decisions
6. Asks if they can put a hold on the account while I apply

I was charged $[AMOUNT] for the following medical procedure:
- Procedure: [NAME OR DESCRIPTION]
- CPT Code (if known): [CODE]
- Location: [CITY, STATE]
- Setting: [Hospital outpatient / Inpatient / Doctor's office / ER]

Please help me understand:
1. What is the typical price range for this procedure in my area?
2. What is the Medicare reimbursement rate for this CPT code?
3. What percentage above the fair price is my bill?
4. What negotiation leverage does this give me?

Help me write a financial hardship letter to request a reduction in my medical bill.

My situation:
- Total bill amount: $[AMOUNT]
- My annual household income: $[INCOME]
- Number of dependents: [NUMBER]
- Special circumstances: [Any job loss, other medical bills, etc.]
- Amount I can reasonably pay: $[AMOUNT]

Please write a professional letter that:
1. Explains my financial situation without over-sharing
2. References the hospital's charity care program
3. Proposes a specific reduced amount or payment plan
4. Maintains a respectful but firm tone
5. Requests a response within 30 days

Write a formal dispute letter for errors I found in my medical bill.

My information:
- Patient name: [NAME]
- Account number: [NUMBER]
- Date of service: [DATE]
- Hospital/Provider: [NAME]

Errors I'm disputing:
[LIST EACH ERROR - e.g., "Line item for blood draw on 3/15 - this service was never performed"]

Total disputed amount: $[AMOUNT]

Please write a letter that:
1. Clearly identifies the account and charges in dispute
2. Explains each error specifically with evidence
3. Requests a corrected bill within 30 days
4. States I dispute this debt until errors are resolved
5. Requests written confirmation of receipt
6. Mentions I'm keeping records of all correspondence

Help me write a letter to appeal my insurance company's denial of coverage.

Denial details:
- Insurance company: [NAME]
- Claim number: [NUMBER]
- Service denied: [DESCRIBE THE SERVICE]
- Date of service: [DATE]
- Denial reason given: [WHAT THEY SAID]
- Amount denied: $[AMOUNT]

Why I believe it should be covered:
[EXPLAIN YOUR REASONING]

Please write an appeal letter that:
1. References my policy and the specific denial
2. Explains why the service should be covered
3. Cites relevant policy language if possible
4. Includes medical necessity arguments
5. Requests a full review and reconsideration
6. Notes my right to external review if denied again

Write a letter proposing a payment plan for my medical bill.

My situation:
- Total amount owed: $[AMOUNT]
- Monthly amount I can afford: $[AMOUNT]
- Proposed payment duration: [NUMBER] months
- Reason for needing a payment plan: [BRIEF EXPLANATION]

Please write a letter that:
1. Acknowledges the debt professionally
2. Explains my current financial constraints
3. Proposes specific monthly payment amount
4. Requests no interest or late fees during the plan
5. Offers to set up automatic payments
6. Asks for written confirmation of the arrangement

Help me find and understand the charity care or financial assistance policy for this hospital:

Hospital name: [NAME]
Hospital location: [CITY, STATE]

Please:
1. Search for their charity care policy (it should be publicly available)
2. Explain the income limits for assistance (usually based on Federal Poverty Level)
3. Tell me what percentage of the bill might be forgiven at my income level
4. List what documents I'll likely need to apply
5. Explain the application process
6. Note any deadlines for applying

My annual household income is approximately $[AMOUNT] with [NUMBER] people in my household.

Help me understand my health insurance benefits for this situation:

My insurance type: [HMO/PPO/EPO/HDHP/etc. if you know]
My situation: [DESCRIBE YOUR MEDICAL SITUATION OR PROCEDURE]
Was the provider in-network? [YES/NO/UNSURE]

Please explain in simple terms:
1. What's the difference between deductible, copay, and coinsurance?
2. What does "out-of-pocket maximum" mean?
3. If I've hit my deductible, what should I still owe?
4. What happens if the provider was out-of-network?
5. What should I check on my Explanation of Benefits (EOB)?
6. What are common mistakes that lead to higher bills?

I'm about to call about my medical bill and want to be prepared. Give me a complete list of questions to ask.

My situation:
- Type of bill: [Hospital / Doctor / Lab / etc.]
- What I'm trying to accomplish: [Understand charges / Dispute errors / Get a discount / Set up payment plan]
- Bill amount: $[AMOUNT]
- Time I have available for the call: [MINUTES]

Please give me:
1. Questions to ask when I first get through
2. Questions about specific charges
3. Questions about discounts or financial assistance
4. Questions to ask if they push back
5. Questions about next steps and documentation
6. Red flags to listen for in their answers

What patient billing rights and protections do I have in my state?

My state: [STATE]
My situation: [DESCRIBE BRIEFLY - e.g., surprise bill, collections threat, etc.]

Please tell me:
1. Does my state have surprise billing protections?
2. Are there limits on how much hospitals can charge?
3. What are the rules about medical debt and collections?
4. Do I have a right to an itemized bill?
5. Are there charity care requirements for hospitals?
6. Where can I file a complaint if I'm treated unfairly?
7. Are there any recent laws that might help my situation?

I received a debt collection letter. Please help me analyze it for:

1. Required disclosures (is this a legitimate collection attempt?)
2. Red flags that might indicate a scam
3. Information I should verify before responding
4. My rights under the FDCPA
5. Time-sensitive deadlines I need to know about

Here's the letter:
[PASTE COLLECTIONS LETTER TEXT HERE]

Please identify any FDCPA violations and explain my next steps.

I received a phone call from a debt collector. Help me determine if they broke any laws.

What happened on the call:
- Time of call: [TIME AND TIMEZONE]
- What they said their name was: [NAME]
- Company they claimed to represent: [COMPANY]
- Did they identify themselves as a debt collector? [YES/NO]
- What they claimed I owe: $[AMOUNT] for [WHAT DEBT]
- How they spoke to me: [DESCRIBE THEIR TONE AND WHAT THEY SAID]
- Did they threaten anything? [DESCRIBE ANY THREATS]
- Did they say they'd call others (family, employer)? [YES/NO]
- Did they use profanity or insults? [YES/NO]

Please tell me:
1. Did they violate any FDCPA rules?
2. Which specific violations occurred?
3. What can I do about these violations?
4. Should I send a cease communication letter?

A collector is contacting me about a debt, but I'm not sure if it's legitimately mine. Help me figure out what to do.

What they claim:
- Original creditor: [NAME]
- Type of debt: [CREDIT CARD/MEDICAL/LOAN/etc.]
- Amount claimed: $[AMOUNT]
- Date they say it's from: [DATE OR TIMEFRAME]

What I remember:
- Did I have an account with this company? [YES/NO/UNSURE]
- If yes, did I pay it off? [YES/NO/UNSURE]
- Could this be identity theft? [POSSIBLE/UNLIKELY]
- Is this old enough to be past statute of limitations? [YEARS AGO]

Please help me:
1. Understand what I should verify before responding
2. Know what NOT to say to the collector
3. Determine if this could be a case of mistaken identity
4. Know what documents to request from them
5. Understand my options if I truly don't owe this

Help me verify if this debt collector is legitimate and licensed in my state.

Collector information:
- Company name: [NAME]
- Address they gave: [ADDRESS]
- Phone number: [NUMBER]
- Website (if any): [URL]
- My state: [STATE]

Please help me:
1. Find how to look up licensed debt collectors in my state
2. Understand what information legitimate collectors must provide
3. Identify red flags that suggest this might be a scam
4. Know what to do if they're not licensed
5. Find where to report unlicensed collectors

I sent a debt validation letter and received a response. Help me evaluate if they actually validated the debt.

What they sent me:
[DESCRIBE OR PASTE WHAT THEY PROVIDED]

What they should have provided:
1. Name of original creditor
2. Amount owed (broken down)
3. Proof they own or can collect the debt
4. Complete payment history
5. Proof I agreed to the original debt

Please tell me:
1. Did they actually validate the debt legally?
2. What's missing from their response?
3. If validation is insufficient, what are my options?
4. Should I respond to them, and if so, how?
5. Can I dispute this with credit bureaus now?

Generate a debt validation letter I can send to this debt collector. Include:

1. A formal request for validation under FDCPA Section 809(b)
2. Request for original creditor information
3. Request for complete payment history
4. Request for proof they are licensed to collect in my state
5. Notice that I dispute the debt until validated
6. Instruction to cease contact until validation is provided

Collector name: [NAME]
Collector address: [ADDRESS]
Account/Reference number: [NUMBER]
Alleged amount: $[AMOUNT]

Write a cease and desist letter to stop a debt collector from contacting me.

Collector information:
- Company name: [NAME]
- Address: [ADDRESS]
- Account/Reference number: [NUMBER]

My situation: [CHOOSE ONE]
- I want them to stop all communication
- I only want them to communicate in writing
- I want them to only contact my attorney: [ATTORNEY NAME AND CONTACT]

Please write a letter that:
1. Clearly demands they cease contact under FDCPA Section 805(c)
2. States my preference for how/if they can contact me going forward
3. Warns them that violations will be documented
4. Preserves my right to dispute the debt
5. Is professional but firm

Write a letter disputing this debt that a collector claims I owe.

Collector information:
- Company name: [NAME]
- Address: [ADDRESS]
- Account number: [NUMBER]
- Amount they claim: $[AMOUNT]

Why I'm disputing:
[SELECT ALL THAT APPLY]
- I don't recognize this debt
- I already paid this debt
- The amount is wrong
- The statute of limitations has passed
- This might be identity theft
- The creditor promised to forgive this debt
- Other: [EXPLAIN]

Please write a letter that:
1. Clearly states I dispute the debt
2. Explains my specific reasons
3. Requests they stop collection until providing validation
4. Mentions I'm keeping records of all violations
5. Is sent within the 30-day window (if applicable)

Write letters disputing a debt that resulted from identity theft. I need letters for:
1. The debt collector
2. The original creditor
3. The credit bureaus

My information:
- My name: [NAME]
- Account being disputed: [ACCOUNT INFO FROM COLLECTION NOTICE]
- Collector name: [NAME]
- Fraudulent activity: [DESCRIBE WHAT HAPPENED]
- Police report number (if you have one): [NUMBER]
- FTC Identity Theft Report number (if you have one): [NUMBER]

Please write letters that:
1. Explain this debt is a result of identity theft
2. Request removal from my credit report
3. Include proper legal references
4. Request confirmation of removal in writing
5. Note my rights under FCRA and FDCPA

Explain my rights under the Fair Debt Collection Practices Act (FDCPA) in plain language. Specifically:

1. What are collectors prohibited from doing?
2. What information must they provide me?
3. What is the debt validation process?
4. What are the time limits for validation?
5. What can I do if they violate my rights?
6. How do I document violations?

Please give me specific examples of violations to watch for.

Help me determine if this debt is past the statute of limitations.

Debt information:
- Type of debt: [Credit card / Medical / Personal loan / etc.]
- Original creditor: [NAME]
- My state of residence: [STATE]
- State where debt was incurred: [STATE]
- Date of last payment: [DATE]
- Date account became delinquent: [DATE]

Please explain:
1. What is the statute of limitations for this debt type in my state?
2. Has the statute likely expired?
3. What actions could restart the clock?
4. What are my options if the debt is time-barred?

What additional debt collection protections does my state provide beyond federal law?

My state: [STATE]

Please explain:
1. Does my state have stricter rules than the federal FDCPA?
2. Are there licensing requirements for collectors?
3. What are the statute of limitations periods?
4. Are there restrictions on wage garnishment?
5. Does my state protect certain income from collection?
6. Are there special rules for medical debt?
7. Where can I file complaints in my state?

A debt collector is threatening various actions. Help me understand what they can and cannot legally do.

What they're threatening:
[SELECT ALL THAT APPLY]
- Report to credit bureaus
- Sue me
- Garnish my wages
- Take my house
- Take my car
- Freeze my bank account
- Contact my employer
- Contact my family
- Have me arrested
- Other: [SPECIFY]

My situation:
- Debt amount: $[AMOUNT]
- Type of debt: [TYPE]
- My state: [STATE]
- My employment status: [EMPLOYED/SELF-EMPLOYED/UNEMPLOYED]
- Do I own property? [YES/NO]

Please explain:
1. Which of these threats are legal?
2. Which are empty threats or illegal?
3. What realistically could happen?
4. What assets are protected in my state?
5. What should I do if they follow through?

Help me decide the best strategy for dealing with this debt.

My situation:
- Debt amount: $[AMOUNT]
- Type of debt: [TYPE]
- How old is the debt: [YEARS/MONTHS]
- Who's collecting: [ORIGINAL CREDITOR or COLLECTOR NAME]
- Can I afford to pay it? [YES - FULL / YES - PARTIAL / NO]
- Is it on my credit report? [YES/NO]
- Have I been sued? [YES/NO]
- Do I have evidence of errors or violations? [YES/NO - DESCRIBE]

Please help me understand:
1. What are my realistic options?
2. Pros and cons of each option
3. How will each option affect my credit?
4. If I settle, what percentage should I aim for?
5. What should I do first?
6. What should I NEVER do?

Write a settlement offer letter for this debt.

My situation:
- Debt amount claimed: $[AMOUNT]
- What I can afford to pay: $[AMOUNT] as [LUMP SUM / PAYMENTS]
- Collector name: [NAME]
- Account number: [NUMBER]

I want to offer [X]% of the balance because:
[EXPLAIN YOUR REASONING - e.g., debt is old, I have limited income, statute of limitations is near, etc.]

Please write a letter that:
1. Offers a specific settlement amount
2. Explains why this is a reasonable offer
3. Requests they report as "paid in full" or "settled" to credit bureaus
4. Requires written acceptance before I send any money
5. Gives them a deadline to respond (30 days)
6. States the settlement is contingent on proper documentation

I've been sued for a debt. Help me understand what to do.

Lawsuit details:
- Court: [NAME OF COURT]
- Creditor/Plaintiff: [WHO'S SUING]
- Amount claimed: $[AMOUNT]
- Response deadline: [DATE]
- Have I been served officially? [YES/NO]
- My state: [STATE]

My situation:
- Do I owe this debt? [YES/NO/UNSURE]
- Can I afford a lawyer? [YES/NO]
- Is this debt time-barred? [YES/NO/UNSURE]

Please explain:
1. What happens if I don't respond?
2. What should my answer include?
3. What defenses might apply to me?
4. How do I file my answer?
5. Should I try to settle before the court date?
6. What low-cost legal help is available?

Help me dispute this debt on my credit reports.

Debt details on my report:
- Creditor/Collector name: [NAME]
- Account number: [LAST 4 DIGITS]
- Amount shown: $[AMOUNT]
- Status shown: [IN COLLECTIONS / CHARGE OFF / etc.]

Why I want to dispute:
[SELECT ALL THAT APPLY]
- The debt isn't mine
- The amount is wrong
- It's past 7 years old
- I paid this already
- The collector can't validate it
- The dates are wrong
- This is duplicate reporting
- Other: [EXPLAIN]

Please help me:
1. Write a dispute letter for each credit bureau
2. Explain what evidence to include
3. Understand what happens after I dispute
4. Know my rights under FCRA
5. Plan next steps if dispute is rejected

A debt collector just called me for the first time. Write a script for how to handle this call.

The call:
- Who called: [NAME/COMPANY if they said]
- What they claimed: $[AMOUNT] for [WHAT DEBT]
- Are they still on the line? [YES - HELP ME NOW / NO - FOR NEXT TIME]

I need a script that:
1. Gets their full company name, address, and callback number
2. Gets the account number and original creditor name
3. Does NOT admit the debt is mine
4. Does NOT agree to anything
5. Tells them I'll respond in writing
6. Ends the call professionally

Also tell me what I should NEVER say on this call.

A debt collector called me at work. Help me handle this.

What happened:
- Did they tell your employer why they were calling? [YES/NO]
- Did they call your direct line or the main number? [DIRECT/MAIN]
- Have you told them not to call you at work before? [YES/NO]
- Did they leave a message with anyone else? [YES/NO - WHO?]

Please give me:
1. What to say RIGHT NOW if they call again at work
2. A letter demanding they stop calling my workplace
3. An explanation of whether they broke the law
4. How to document this for potential FDCPA claim
5. Script for if they call the main number again

Write a phone script for negotiating a settlement with a debt collector.

My situation:
- Debt amount: $[AMOUNT]
- What I can realistically pay: $[AMOUNT]
- Is this original creditor or collection agency? [ORIGINAL/COLLECTION]
- How old is the debt: [AGE]
- Is it affecting my credit? [YES/NO]

I want to settle for [X]% of the balance.

Please give me:
1. Opening statement
2. How to make my first offer (always start lower than my max)
3. Responses to their counter-offers
4. How to insist on written confirmation
5. What to say to get them to report it favorably to credit bureaus
6. How to end the call without committing if needed

I want to record my calls with debt collectors to document violations. Help me do this legally.

My state: [STATE]
The collector's state (if known): [STATE]

Please tell me:
1. Is it legal to record calls in my state?
2. Do I need to tell them I'm recording?
3. What should I say at the start of the call if I need consent?
4. What apps or tools can I use to record?
5. How should I store and organize recordings?
6. How can recordings help me if they violate the law?