An AI advocate
for every medical bill.
Hospital bills, insurance denials, collections. Parlio agents do the research, do the planning, and negotiate it down. You stay in control and approve every step.
ER visit · St. Joseph's
Insured · Out-of-network anesthesia
Itemized bill request
Got the line-item charges. 3 duplicates = $1,840.
Surprise-billing appeal filed
No Surprises Act applied · out-of-network anesthesia flagged.
Charity-care eligibility
Income screen → 60% reduction on remainder.
Settled
Final balance: $4,210 · 19 days total
You saved
$10,610
vs. original bill
$14,820
What we handle
Every kind of medical bill.
From a single ER visit to a multi-year collections file, we handle all of it.
🏥
Hospital / ER
avg. 47% off
📄
Surprise bills
avg. 62% off
⚖️
Denials & appeals
3 of 4 won
📞
Collections
settle at 38%
🦷
Dental
avg. $640 off
🚑
Ambulance
avg. 71% off
🩺
Pre-treatment estimates
31% under list
💊
Pharmacy
avg. 44% off
🧠
Mental health
avg. $1,120 / yr
🔬
Lab / imaging
avg. 55% off
🦴
Physical therapy
avg. 33% off
📋
Other medical
we'll quote you
The playbook
How we win each one.
Different bills, different tactics. Click a tab to see the playbook we run.
Itemize. Then benchmark. Then negotiate.
Hospitals price the same procedure 3–5× what Medicare pays. We pull the itemized bill, audit the codes, and benchmark against fair-price data, then negotiate from there.
Avg. saved
$8,420
settled at 34% of charges
Line-item bill audit
Pull the itemized bill and check every code for duplicates, unbundling, and upcoding. Typical findings: 12–18% of charges removed.
Charity-care eligibility
501(c)(3) hospitals must offer financial assistance. We check your income against the policy and apply for the right discount tier.
Cash-pay rate match
Hospitals quote one rate to insurance and a lower rate to cash payers. We negotiate to the cash-pay rate.
Process
How it works
Tell us about the bill
Forward the bill or just describe what you owe. We figure out the rest.
We research the bill
Line-item bill audit, fair-price benchmarks, surprise-bill protection check, and your hospital's financial-assistance policy. Every claim we'll make backed by data.
Bill Audit
We build the case
A multi-track strategy: itemized review, surprise-bill appeal where it qualifies, charity-care application, and a target settlement number with leverage points. You see and approve the plan before we move.
Negotiation Strategy
Leverage Points
- Out-of-network anesthesia, surprise-bill protected
- $1,840 in duplicate / unbundled charges
- Hospital is a nonprofit, must offer charity-care
- Bill is 276% above the regional fair-price benchmark
Confidence Score
88%
We negotiate through every channel
Email the billing office. Call the financial counselor. Upload the appeal through the insurer's portal. Whatever the situation needs.
Drafted appeal letters and itemized-bill requests sent on your behalf. You approve every message.
To: St. Joseph's Billing
Sent“Per the No Surprises Act, the out-of-network anesthesia charge of $4,210 should not be billed to me…”
Voice
AI-powered calls to financial counselors and collections agents. You set the boundaries; we make the call.
Call: Financial counselor
14:22“Negotiated a 60% charity-care reduction on the remaining balance. Settlement letter incoming.”
Browser
Files appeals through insurer portals, uploads supporting docs, and tracks status, even when there's no API.
Anthem appeals portal
Submitted“Appeal filed with medical-necessity letter and itemized billing documentation. Conf #AP-91432.”
Why Parlio
Built specifically for healthcare.
Trained on healthcare billing. Approved by you. Backed by real benchmarks.
Trained on healthcare billing
Our agents read medical billing codes, federal protections, and hospital policies the way a billing manager does.
HIPAA-aware
Your health information is encrypted, access-controlled, and handled with the privacy a hospital owes you.
Real benchmarks
We pull from Medicare reimbursement rates, national fair-price databases, and regional cash-pay rates. Not vague “industry estimates.”
You approve every move
Every email, every call, every dollar. We never settle a bill without you.
No savings, no fee
Performance-based pricing. If we don't reduce the bill, we don't charge.
Paper trail, every time
Every dispute documented to support appeal rights and credit-bureau complaints.
Got a bill that doesn't add up?
Join the waitlist for early access.