Free tool
Medical bill deadline checker
Check your dates in seconds. Nothing you enter leaves your device.
Fill this only after your insurer has rejected your internal appeal.
For uninsured and self-pay patients who received a written estimate.
General information only, not legal or insurance advice. The 180-day and 4-month periods are common federal standards. Your plan, state or letter may give you a different date, so always check the deadline printed on your own notices.
The problem
A first denial is not always the final answer
Medical bills often contain errors, and many denials can be appealed. Most people never learn that they can ask for an itemized bill, appeal in writing, request an independent review or apply for hospital financial assistance.
The rules and deadlines are hard to find, so people pay or ignore the letter. The kit puts the steps, the wording and the dates in one place.
What is inside
Three files, one clear path
16-page guide (PDF)
Triage, medical words explained, a 7-point bill audit, phone scripts, appeals by denial type, deadlines, surprise bills, financial assistance, collections and credit reports.
10 letter templates (Word)
Itemized bill request, billing dispute, claim file request, insurance appeal, external review, financial assistance, payment plan, debt validation, estimate dispute and state complaint.
Deadline tracker (Excel)
Log bills, calls and claims. It calculates the appeal dates for you and flags the ones running out of time.
How it works
Four steps from confused to prepared
Find your situation
Use the triage page to see whether you have a bill problem, a denial or a money problem.
Audit and call
Run the bill checklist and use the phone scripts to get the records you need.
Send the right letter
Fill in the brackets and send it by a trackable method.
Track every date
Enter dates in the tracker so no deadline passes unnoticed.
The guide covers the main US rules in general terms: internal appeals, external review, the No Surprises Act good faith estimate dispute and nonprofit hospital financial assistance under IRS rule 501(r). State rules vary, and the guide shows you where to check yours.
Get the kit
Everything you need to start today
Download the files right after checkout and open them on any computer. No special software is needed beyond a PDF reader, Word or Google Docs, and Excel or Google Sheets.
Medical Bill and Insurance Denial Fight Kit
- 16-page PDF guide
- 10 editable letters (Word .docx)
- Deadline and savings tracker (Excel .xlsx)
- Instant download
Secure card checkout. Our payment partner is the seller of record and sends your receipt and download link.
Questions
Good to know
Is this legal or medical advice?
No. It is general information and templates. For a complicated case, a lawsuit or court papers, talk to a licensed attorney or a legal aid office.
Will the letters guarantee a result?
No. Nobody can guarantee an outcome. The kit helps you ask in the right way, with the right facts, before the right deadline.
Does it work outside the United States?
The rules, forms and deadlines are for the United States.
Do I need special software?
No. A PDF reader, Microsoft Word or Google Docs, and Excel or Google Sheets.
What if the files do not work?
Contact us within 14 days of purchase and we will fix it or refund you in full.
Policies
Refunds
This is a digital product. If the files will not open, are missing, or are not as described, contact us within 14 days of purchase and we will fix it or refund you in full.
Delivery
You receive a download link on the checkout confirmation page and in your email receipt right after payment. Nothing is shipped.
Contact
Order and support questions: our contact details are on your purchase receipt and the checkout page.
Terms of use
The kit is for your personal use. You may edit the letters for your own case. You may not resell, share or republish the files. We provide the kit as is and are not responsible for results, insurer decisions, bill amounts or missed deadlines. You are responsible for checking the deadlines in your own plan documents and letters.
Disclaimer
Fidigito is not a law firm, a medical provider, an insurer or a billing advocate. The kit and the free tool are not legal, medical, tax or insurance advice, and using them does not create an attorney-client relationship.
Privacy
This site does not collect personal data. The free tool runs in your browser, and the dates and amounts you type are not sent to us or stored. Payment details are entered only on the secure checkout of our payment partner and are never seen or stored by us. The partner may share your name and email with us so we can support your order. We do not sell your information.