Free Document Analysis · No Credit Card · Dispute Letter From $24

They Use the System
Against You.
We Use the Law.

Upload your bill, denial letter, or government notice. See the exact violations and laws that apply — free. Get the dispute letter for $24.

Free document analysis · Dispute letter from $24 · No credit card required

Analyze My Document Free →See how it works

“Found $3,800 in billing errors on my first upload.” — Sarah M., Florida

Couple reviewing medical documents at kitchen table

VINDICATE — LIVE ANALYSIS

CPT 99285 — Emergency Dept. Visit

Balance billed to you$2,353.00

⚑

APPEAL OPPORTUNITY IDENTIFIED

CO-97 · No Surprises Act · 26 U.S.C. § 9816

You may not be legally required to pay this amount.

Generate letter →

No Surprises Act · 42 U.S.C. § 300gg-111·MHPAEA · 29 U.S.C. § 1185a·HIPAA Privacy Rule · 45 C.F.R. § 164.524·FDCPA · 15 U.S.C. § 1692·ACA Preventive Care · 42 U.S.C. § 300gg-13·ERISA Claims Procedure · 29 C.F.R. § 2560.503-1·EMTALA · 42 U.S.C. § 1395dd·CMS Billing Rules · 42 C.F.R. § 489.24·Medicare Advantage · 42 C.F.R. § 422.562·Balance Billing Prohibition · 26 U.S.C. § 9816·Medical Debt Reporting · 15 U.S.C. § 1681c·VA Disability Appeals · 38 C.F.R. § 20.1·No Surprises Act · 42 U.S.C. § 300gg-111·MHPAEA · 29 U.S.C. § 1185a·HIPAA Privacy Rule · 45 C.F.R. § 164.524·FDCPA · 15 U.S.C. § 1692·ACA Preventive Care · 42 U.S.C. § 300gg-13·ERISA Claims Procedure · 29 C.F.R. § 2560.503-1·EMTALA · 42 U.S.C. § 1395dd·CMS Billing Rules · 42 C.F.R. § 489.24·Medicare Advantage · 42 C.F.R. § 422.562·Balance Billing Prohibition · 26 U.S.C. § 9816·Medical Debt Reporting · 15 U.S.C. § 1681c·VA Disability Appeals · 38 C.F.R. § 20.1

Every reversal starts the same way — someone who almost gave up decided to send one more letter.

Your documents are private.

We process your files securely and never store your personal information after analysis.

We never sell your data.

Your insurer will never know you used Vindicate. We have no connection to insurance companies, hospitals, or any healthcare entity. We are 100% on your side.

You are always in control.

You decide what to upload. You decide what to do with the results. Start with just a question — no upload needed.

We apply HIPAA data minimization principles to every document we process.

Read exactly how we protect your privacy

"The hospital sent a $4,200 bill. The No Surprises Act said I owed $0. Vindicate found the statute. I sent the letter. They reversed it."

M.R. · Chicago, IL

Every bill has a statute behind it. So does every refusal.

Surprise ER Bill

Your insurer's network map said in-network. The bill says otherwise.

Under the No Surprises Act, out-of-network providers cannot balance-bill you for emergency care above in-network cost-sharing. This protection is federal law, not a courtesy.

No Surprises Act · 26 U.S.C. § 9816Dispute the bill →

Insurance Denial

They denied it. They didn't explain why. That's also illegal.

ERISA and ACA regulations require your insurer to provide a specific reason for every denial and a clear appeals process with deadlines. Silence is a violation.

ERISA · 29 C.F.R. § 2560.503-1File an appeal →

Medical Debt Collection

Debt collectors have scripts. Federal law has limits.

The FDCPA prohibits false statements, harassment, and collection of disputed debts. Medical debt has additional protections under recent federal rules, including credit reporting restrictions.

FDCPA · 15 U.S.C. § 1692eSend a cease letter →

Mental Health Parity

They cover 30 sessions for physical therapy. Six for therapy. That's parity.

MHPAEA requires that mental health and substance use disorder benefits be no more restrictive than analogous medical/surgical benefits. Quantitative limits are a common violation.

MHPAEA · 29 U.S.C. § 1185aRequest a parity analysis →

From document to dispute letter in three minutes.

Upload your document.

EOB, denial letter, medical bill, debt collection notice. Any format. Vindicate reads it.

Receive your rights, cited.

Within seconds: the specific federal and state statutes that apply to your situation. Not summaries. Not suggestions. Statute numbers.

Send the letter.

A dispute letter generated to the specific violation, ready to send to your insurer, hospital, or collector. With citations. With deadlines. With the law behind it.

Track the outcome.

Log responses, record reversals, build a paper trail. Vindicate keeps the record the institution hopes you won't.

Five Categories.
All 50 States.

One Platform.

✓EOB and denial code explanations
✓Hospital revenue code analysis
✓Step therapy exceptions
✓Specialty drug billing disputes

✓CPT procedure code analysis
✓DRG inpatient billing review
✓Ambulance billing disputes
✓Pharmacy prescription rejections

✓ICD-10 diagnosis code explanations
✓Prior authorization appeals
✓DME coverage analysis
✓Modifier code abuse detection

This is what Vindicate actually does.

Not a summary. Not a suggestion. The specific statute that applies to your specific bill, and the letter that cites it.

app.getvindicate.com/case/EOB-2026-03

My Cases

Valley Medical ER

Active

Blue Cross Denial

Resolved

Debt · Coastal Health

Resolved

Letters: 1 ready

Case analysis

Valley Medical — Emergency Visit

EOB received March 11, 2026 · $4,200 billed · 3 violations found

⚑

Balance billing violation identified

No Surprises Act · 26 U.S.C. § 9816 · CO-97

This provider was not authorized to bill above your in-network cost-sharing. Your liability is capped by federal law.

Next steps

Send dispute letter to Valley Medical billing dept. (30-day window)

File complaint with your state insurance commissioner

Request itemized bill under HIPAA § 164.524

Generate dispute letter

"I uploaded the bill on a Tuesday. By Thursday I had a letter citing three federal statutes I had never heard of. The hospital reversed $3,200."

M.R.

Chicago, IL · Surprise bill dispute

"My insurer denied the same therapy claim four times. Vindicate found the MHPAEA violation on the first read. Appeal approved on the fifth try."

D.K.

Austin, TX · Mental health appeal

"I'm 64. I've never felt like I had a lawyer in my corner before. This felt like that."

P.W.

Phoenix, AZ · Medicare Advantage dispute

"The debt collector stopped calling after the FDCPA letter. I didn't even know I had those rights."

A.T.

Atlanta, GA · Medical debt collection

13,615

Regulations and rules indexed across all 50 states and federal law. Every finding traces to a real statute. Every citation is verifiable. This is not an AI opinion. This is the law.

The system counts on you not knowing these laws exist. Vindicate exists because you deserve to know.

See your rights now

Pay for outcomes. Not software.

Start free. A single reversed charge typically covers months of the subscription.

Free

I have a question

✓1 free document analysis
✓See violations and laws found
✓Statutes that apply to your situation
✕No dispute letter on free plan
✕Upgrade from $24 to get your letter

No credit card. See what the law says about your document in minutes.

Analyze My Document Free →

Start here

Case Pass

I have one situation to resolve

$24one-time

Upload your document, get your dispute letter, send it. One situation, one time, done.

✓1 situation
✓2 document uploads
✓1 complete dispute or appeal letter
✓All regulatory citations included
✓Unlimited follow-up questions
✓PDF export, ready to file
✓60-day access
✓One-time payment, no subscription

One-time · No subscription · No renewal

Get Case Pass — $24

You already did everything right. Now fight back.

Ask your first question free. Upload your document when you're ready. The law is specific. Your dispute should be too.

Analyze My Document Free →See pricing

They Use the SystemAgainst You.We Use the Law.