Significant overcharges found in every bill we have tested

Your medical bill.
Our examination.

We read every line of your medical bill and compare it against official U.S. government Medicare rates — flagging every overcharge, duplicate, and billing violation. On one Houston hospital bill, we found $323,044 in overcharges in under 60 seconds.

Free bill grade — A through F in under 60 seconds
Line-by-line overcharge report — every charge vs. the government's published fair price for that service
Dispute letter + phone scripts — ready to send

Hospital, specialist, lab, urgent care, surgery center — any medical bill  ·  PDF, photo, or paste text  ·  No credit card required

9:41 100% BillXM Analysis D SIGNIFICANT OVERCHARGES OVERCHARGED BY $323,044 FINDINGS ECG Tracings ×24 -$24,704 Lab Panels ×46 -$30,391 CT Scans ×3 -$28,552 View Full Report
ECG Tracing ×24 — Billed
$24,855
Medicare rate: $151  ·  16,000% markup
Total overcharges found
$323,044
Memorial Hermann Hospital, Houston TX · <60 sec
Lab Panels ×46 — Billed
$30,780
Medicare rate: $389  ·  80× markup
Government rate verification
100%
30/30 issues verified · 41-pg report
100+ bills tested — significant overcharges found in every single one
Compares every charge to official U.S. Medicare rates — the government's benchmark for what each service should cost
Detects duplicates, upcoding & bundling violations
Works on any medical bill — hospital, specialist, lab, or urgent care
HIPAA compliant · No data stored

They were overcharged. We found it.

Real overcharges from a single $751,487 Memorial Hermann Hospital bill in Houston, Texas — 66 pages, 5 admissions, 800+ line items analyzed in under 60 seconds.

$751,487 66 pages · 30 issues $29,453 $22,204
$751,487 · 66 pages
5 Admissions, 66 Pages

5 Admissions, 66 Pages

A 66-page bill covering 5 hospital admissions over 3 months at Memorial Hermann Hospital in Houston, Texas. BillXM found 30 categories of overcharges — including ECGs marked up 16,000%.

Billed
$751,487
Should Be
$428,443
! ! ! 4× LEVEL 5 ER Medicare: $706 total
$21,816 — 4 ER visits
4 ER Visits, All Level 5

4 ER Visits, All Level 5

All four emergency visits billed at the highest severity level — $5,298–$5,510 each. Medicare's rate is $176.43, a 3,024% markup totaling $21,110 in excess charges.

Billed
$21,816
Should Be
$706
CPT 93005 — ECG TRACING × 24 HEART MONITOR $1,039 × 24 = $24,855 Billed $1,039 MEDICARE $6.30 16,000% markup
$24,855 — 24 ECGs
16,000% ECG Markup

16,000% ECG Markup

24 basic heart tracings billed at $1,039 each. Medicare pays $6.30 per tracing — the most inflated charge on the entire $751K bill. Zero physician work RVUs.

Billed
$24,855
Should Be
$151

Three steps. Sixty seconds.

Upload any medical bill and get a complete analysis comparing every charge against U.S. Medicare rates — the federally published benchmark that hospitals, insurers, and providers all use to determine fair pricing.

1
$24,855 PDF JPG

Upload your bill

PDF, photo, Excel, CSV — any format. Our OCR extracts every CPT code, charge, and date of service automatically.

2
! ! $1,039 $6.30 16,000%↑ MEDICARE

AI audits against Medicare rates

Each charge is compared against the U.S. Medicare Fee Schedule — the federal government's published reimbursement rate for every medical procedure. Hospitals know these rates. Now you do too.

3
BillXM REPORT Line-by-line Medicare Overcharge amounts Dispute letter Medicare rates PDF GRADE D OVERCHARGED $323,044 PDF

Get your report

Detailed analysis showing every overcharge, the Medicare fair value for each charge, and a ready-to-send dispute letter.

Medical bills are broken — and nobody checks

In our testing across more than 100 real bills — hospitals, specialists, labs, and urgent care — every single bill contained significant overcharges. Not minor rounding errors. Real money: duplicate charges, procedures billed at 10× to 16,000× the Medicare rate, services billed but never performed, and coding violations that inflate your bill before you ever see it.

100%
of the 100+ real bills we tested contained significant overcharges — not one was clean
$2.3T
in annual US healthcare spending — the largest source of household debt
80×
how much a basic blood panel was marked up vs. the government Medicare rate ($670 billed vs $8.46 Medicare)
30
separate billing violations found in one hospital stay, each verified against Medicare's published rates
MEMORIAL HERMANN HOSPITAL $24,855 $30,780 $29,453 $22,204 $18,930 $16,530 $14,280 $12,860 TOTAL BILLED $751,487 $323,044 over

Built for everyone who pays medical bills

One engine, four markets. From individual consumers to billion-dollar providers.

Consumers & Patients

Free grade · $9.99 full report

Got a bill from a hospital, doctor, lab, or urgent care? Upload it and find out what you were overcharged — and get a ready-to-send dispute letter.

Health Plans & Payers

Pre-payment claims integrity

Managed care organizations, health insurance plans, and payers: audit provider claims before payment. Cost avoidance at scale with API and batch integration.

Defense Attorneys

$249–$499 per analysis

Exhibit-ready Medicare rate analysis, settlement demand evaluation, and litigation-grade documentation for trial prep.

Casualty Insurance

$15–$35 per bill review

Auto BI, workers' comp, general liability: analyze demand packages in seconds. Defensible Medicare rate citations for litigation.

Built by a 15-year-old and his 14-year-old brother who couldn't let their grandmother's $751,487 bill go unquestioned

$751,487 66 pages BillXM Analysis Engine GRADE D -$323,044 OVERCHARGES FOUND $323,044

In early September 2025, our grandmother fell and broke her hip. She was admitted to Memorial Hermann Hospital, one of Houston's largest hospital systems — and then readmitted multiple times as complications arose from the surgery.

With each admission came another massive bill. Five admissions. Sixty-six pages. $751,486.81 in total charges. Our family stared at these bills and had the same question millions of families have: Is this right? How would we even know?

So we decided to find out. Ian, a 15-year-old sophomore, and Grayson, his 14-year-old brother in eighth grade, used coding skills learned from their mentor David Zhang to build a program that reads every line item and compares it against the U.S. government's official Medicare rates. What we found was staggering — $323,044 in overcharges, including ECG tracings marked up 16,000% and blood tests billed at 80× the federal rate.

That's how BillXM was born — built by two teenagers who refused to accept that a medical bill is correct just because it's big.

Founded by
Ian & Grayson Phan
Age 15 & 14 · Houston, TX
Mentor
David Zhang
First Bill
$751,487
66 pages · 5 admissions
🏥
Sep 2025
Grandmother's Fall
Hip fracture leads to surgery and multiple hospital readmissions at Memorial Hermann
📄
Dec 2025
The Bills Arrive
66 pages totaling $751,487 across 5 admissions — and no way to know if they're right
💻
Jan 2026
Building the Engine
Ian (15) & Grayson (14) begin coding the analysis engine, guided by mentor David Zhang
🚀
Mar 2026
BillXM Launches
$323,044 in overcharges found on Grandma's bill — now available to help every family

Know what your bill should cost

Start free. Get the full picture for less than a single phone call with a billing consultant.

Bill Grade

Quick assessment

Free
  • Overall bill grade (A–F)
  • Issues detected count
  • Estimated overcharge range
Get Free Grade

Report + Letter

Full report plus dispute tools

$49.99
  • Everything in Full Report
  • AI-written dispute letter
  • Word-for-word phone scripts
  • Ready to send in 60 seconds
Get Report + Letter

We Negotiate

We handle everything for you

$99 flat
  • Full report included
  • Our team calls the hospital
  • We dispute and negotiate for you
  • Updates throughout the process
⏳ Coming Soon — Join the waitlist
Join Waitlist

Enterprise

Carriers & providers

Custom
  • API & batch integration
  • Pre-payment review
  • Dedicated account manager
  • Volume pricing & SLAs
Contact Sales
M
J
S
R
Join thousands fighting back against overcharges

Stop overpaying for healthcare

Upload any medical bill — 1 page or 66 pages — and see what it should actually cost. The same engine that found $323,044 in overcharges on a single Houston bill, backed by the U.S. government's Medicare rate database — the same benchmark hospitals and insurers use to price every service.

Examine My Bill — It's Free
HIPAA compliant  ·  No credit card required  ·  Results in seconds