No win, no fee

Your insurer owes you money. We're going to get it back.

LifeDesk reads your bill, finds billing errors, and sends the appeal letter automatically. You pay 25% of what we recover — nothing if we lose.

Analyze my bill free →
25% fee only if we win Results in 30 days HIPAA compliant
$88B
Annual US billing errors
54%
Appeal win rate
$1,300
Average overcharge
How it works

Three steps. We handle all of them.

From your first upload to cash back in your pocket — we manage every step of the process.

Step 01
Upload your bill

Drop your itemized bill, EOB, and insurance card. PDF, photo, or scan — any format. Takes 30 seconds.

Files are encrypted end-to-end. Only you and your LifeDesk advocate can access them.
Step 02
We find the errors

We check your bill against federal billing rules — unbundling violations, No Surprises Act breaches, deductible miscalculations, duplicate charges.

We review findings with you before doing anything. You approve every step.
Step 03
We fight and collect

We draft the formal appeal letter citing specific federal statutes, send it certified to your insurer, and monitor the case for 30 days.

You only pay 25% when we win. Nothing if we don't.
Live demo

See what we find in your bill.

Click Analyze to watch it run.

LifeDesk — case #A-1847
St. Vincent Medical Center
Cleveland, OH · Oct 14, 2025 · Sarah M.
$10,400
Balance due
99285
EM Eval — Emergency
$3,200
99291
Critical care — Initial
$2,100
FLAGGED
27520
Radiology · Dr. Patel OON
$2,100
FLAGGED
44950
Appendectomy
$7,400
Upload your bill or EOB
PDF, photo, scan — any format
Analyzing bill…
Reading bill — identifying CPT codes
Comparing against Aetna Bronze HSA plan
Checking No Surprises Act compliance
Calculating recoverable amount
3 issues found
$4,740 recoverable
Unbundling violation
CPT 99285+99291 billed together — prohibited under CMS NCCI §B.1.2
$1,840 recoverable
No Surprises Act violation
Dr. Patel was out-of-network with no prior notice. Federal law caps liability.
$2,100 recoverable
Deductible miscalculation
Plan deductible $4,000 applied as $4,800 — $800 overcharge.
$800 recoverable
25% only if we win · Nothing if we don't
CASE #A-1847 · Aetna Bronze HSA
Agent monitoring
St. Vincent — Appendectomy
Opened Oct 28
3 issues
$4,740 target
Day 1 · Oct 28
Appeal sent to Aetna
Day 7 · Nov 4
Follow-up sent
Day 14 · Nov 11
Certified mail confirmed
Day 21 · Nov 18
Awaiting response
Day 30 · Nov 27
External review deadline
November 4, 2025 Aetna Appeals Department P.O. Box 14079 Lexington, KY 40512-4079 RE: Formal Appeal — Claim #2025-A-88421 Patient: Sarah M. · Member ID: AET-00291847 Date of Service: October 14, 2025 Provider: St. Vincent Medical Center, Cleveland OH Dear Appeals Reviewer, I am writing to formally dispute the charges on the above-referenced claim on grounds of (1) NCCI bundling violations per CMS guidelines, (2) No Surprises Act non-compliance, and (3) deductible calculation error…
CASE #A-1847 · RESOLVED NOV 22 2025
Aetna accepted the appeal
Amount recovered $3,940
LifeDesk fee (25%) −$985
Your net savings $2,955
Credit applied in 5–7 business days to your account on file
Upgrade
LifeDesk Pro — $79/month
  • Unlimited dispute filings
  • Automatic bill monitoring
  • 24-hour priority support
  • Annual insurance plan review
  • Everything in Pay on Win
Case results

Real wins. Real savings.

$3,940
Aetna Bronze HSA — Cleveland, OH

"I had no idea my bill had so many errors. LifeDesk handled everything and I never had to make a single phone call."

$8,200
UnitedHealth PPO — Austin, TX

"After my surgery I was drowning in paperwork. LifeDesk found errors my hospital tried to bury. Worth every penny."

$2,100
BCBS PPO — Nashville, TN

"The No Surprises Act violation alone saved me $2,100. I never would have known to dispute it on my own."

Your privacy

Your medical data stays yours. Always.

We know you're sharing sensitive documents. Here's exactly how we protect them.

End-to-end encrypted

All documents are encrypted in transit and at rest. We use the same encryption standard as major banks.

Never sold or shared

We never sell your data to third parties. Your information is used solely to dispute your bill — nothing else.

Delete anytime

Request deletion of all your data at any time by emailing [email protected]. We delete within 24 hours.

HIPAA-compliant handling

We act as your authorized representative and handle your medical records under the same standards required by federal HIPAA regulations.

We take the minimum data necessary for each case. After a case is closed (won, lost, or cancelled), your documents are deleted within 90 days unless you request otherwise.
Pricing

Simple. You win, we earn.

Pay on win
25%
of what we recover.
Zero if we don't win.
  • Full bill analysis
  • Appeal letter drafted & sent
  • 30-day case monitoring
  • External review filing
Analyze my bill →

Your bill might be wrong.
Find out in 60 seconds.

Over half of medical bills contain errors. Most people never dispute because it's designed to be impossible. That's what we fix.

Analyze my bill free →
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