Submit your bill and authorize Clearity
Upload your bill through the intake form and provide the requested information. You authorize Clearity to discuss the bill with your provider and negotiate on your behalf.
How It Works
How Clearity negotiates your medical bill
A physician-led team reviews your bill and negotiates directly with your provider.
You pay $0 down, and the negotiation fee is 20% of what Clearity saves you, capped at $1,000. If there is no reduction, there is no negotiation fee. A separate $50 cancellation fee may apply if you cancel after substantial work.
Start Your Bill ReviewWhat to have ready
- Your itemized bill — if you only have a summary bill, ask the provider for an itemized version. Clearity may be able to request one, but the provider would mail it to you so you can upload it.
- The amount you have paid and your remaining balance.
- Your explanation of benefits (EOB), if you used insurance.
Redact before you upload. The intake form asks for your name and email separately and instructs you to black out identifying information on the uploaded bill. Follow those instructions.
Your payment card is saved at intake. There is no upfront payment.
How it works
Get a physician-led review
The team reviews the bill for issues such as incorrect or duplicate coding and identifies questions to raise with the provider. A review does not guarantee that the bill contains an error or that it can be reduced.
Let Clearity handle the provider calls
The team contacts the provider’s billing office, raises issues found in the review and negotiates the balance on your behalf. You do not have to lead those billing-office conversations yourself.
Clearity primarily negotiates with hospitals and other providers. It does not handle bills transferred to a collection agency.
Receive the result
If the provider agrees to a reduction, you pay the provider’s revised balance and Clearity’s separate negotiation fee. If Clearity cannot reduce the bill, it does not charge a negotiation fee; you still owe the provider any remaining financial responsibility.
What it costs
The negotiation fee is 20% of the savings, never more than $1,000.
$600
fee on $3,000 in savings
$1,000
fee on $8,000 in savings — capped
These examples explain the fee, not expected results.
If you cancel after substantial work has been done, Clearity may charge a separate $50 cancellation fee.
While your case is open
Keep making payments you are obligated to make, including an existing payment plan. Negotiation can address the remaining balance. Do not assume your payment deadlines have been paused.
Keep track of new statements and due dates. Ask your Clearity representative about changes to the bill while the team is working on it.
How long does it take?
Timing depends on the provider’s response and the issues in the bill. Some cases require only a few calls; an unresponsive provider or a complex billing issue can take longer. Clearity does not promise a fixed completion date.
You will have a Clearity representative and receive communication by email.
Your information
Within Clearity, patient documents are accessible to the people negotiating the bills and administrators. Clearity does not sell patient data. Information needed to discuss and negotiate the bill is shared with the provider under your authorization.
Ready to start?
Start your bill review, or read the medical bill negotiation FAQ.