Medical bill negotiation FAQ

Clearity’s physician-led team reviews medical bills and negotiates with providers on the patient’s behalf. The team can help identify issues such as incorrect or duplicate coding and handle conversations with the provider’s billing office. Savings are not guaranteed.

No. Clearity does not lend money or enroll you in a debt-relief program. It provides medical bill review and negotiation.

Clearity primarily negotiates balances with hospitals and other healthcare providers. It does not handle bills that have been transferred to a collection agency. Ask the team to confirm whether your bill is a fit.

The negotiation fee is 20% of the amount saved, capped at $1,000. There is $0 down. For example, a $3,000 reduction produces a $600 fee; an $8,000 reduction produces a $1,000 fee. These are illustrations, not promised savings.

Your payment card is saved at intake. No upfront payment is required.

There is no negotiation fee if Clearity cannot reduce the bill. You remain responsible for your financial obligation to the provider.

Clearity may charge a separate $50 cancellation fee if you cancel after substantial work has been done. This is different from a completed negotiation that produces no savings.

Yes, continue payments you are obligated to make. Clearity can negotiate the remaining balance. Do not assume that starting a case changes your payment deadlines.

Keep track of the statement and deadline, and contact your Clearity representative about changes to the bill. Continue required payments unless the provider agrees to a change.

Clearity does not handle bills transferred to a collection agency. The CFPB provides information on medical debt, credit reporting and dealing with collectors.

It depends on the provider and the bill. Some cases require only a few calls, while unresponsive providers or complicated bills can take longer. There is no guaranteed completion date.

You will have a Clearity representative and receive communication by email.

Have your itemized bill and any related EOB available, along with your payment history and remaining balance. The intake form collects your name and email separately and asks you to black out identifying information on the uploaded bill.

Clearity may be able to request an itemized bill from the provider, but the provider would mail it to you so you can upload it. Clearity does not request an EOB for you; that comes from your insurer.

Clearity primarily negotiates with providers about the amount you owe after insurance. Do not assume that insurer outreach or an insurance appeal is included; ask the team about your situation.

Using Clearity’s service does not itself affect your credit. That does not mean an unpaid bill cannot affect it. Keep required payments current and consult the CFPB’s current guidance on medical debt and credit reporting.

Within Clearity, the people negotiating the bills and administrators can access patient documents. Information needed to discuss and negotiate your bill is shared with the provider under your authorization.

No. Clearity does not sell patient data.