The prices aren't fixed. Almost nobody asks.

Medical bills aren't like a restaurant check. The sticker price is closer to a suggestion. The numbers below are why.

$220B
in medical debt held by Americans today
KFF, 2025
3.4×
average hospital markup over Medicare cost, up to 12.6× at outliers
Bai & Anderson, Health Affairs 2015
254%
of Medicare rates, on average, paid by private insurers for the same care
RAND Hospital Price Transparency Study, 2024
49–80%
of medical bills are estimated to contain errors
advocacy-industry estimate, directional

Here's the part that should make you mad

Asking almost always works. Almost nobody asks.

93%
of people who negotiate their bill get it reduced
LendingTree, 2021
78%
who dispute a charge get it reduced or removed
AKASA/YouGov, 2022
64%
of Americans never even challenge a bill they suspect is wrong
AKASA/YouGov, 2022

How Haggl works

1

Upload your bill

A PDF or photo of your medical bill, and your EOB if you have it. We read both, cross-check them against Medicare rates and the hospital's own posted prices, and flag every error, overcharge, and legal protection working in your favor.

2

We call

A real phone call to the billing office, disclosed as AI from the first thirty seconds, never bluffing, citing only numbers we can prove. We negotiate the way a good human advocate would: politely, persistently, and armed with your specific case.

3

You save

Watch the balance move in real time. Cash in whenever you're satisfied, or let us keep pushing for more. Every call, every dollar, and every reference number is logged for you to see.

Pricing

25%

of what we save you, capped at $2,000 per bill. Nothing upfront, nothing if we don't save you anything.

  • No savings, no fee, ever
  • You see the exact math before you pay anything
  • Cash in partial savings anytime; we only charge on what's actually confirmed

Higher than a document-only bill-review service, because we're doing more: real phone calls, not just a negotiation letter. Still well under what a human medical-bill advocate charges.