Hospital math has a lot of typos.

Bills get hand-keyed by people processing hundreds a day. Duplicate charges, unbundled codes, and prices well above what your plan actually pays happen constantly — and nobody checks unless you do.

What Apelo does

1

A medical billing specialist reviews every line for duplicate charges, unbundling, and modifier errors.

2

We benchmark every charge against published hospital and regional rates to find what you shouldn't be paying.

3

An advocate screens you for hospital financial-assistance (charity care) eligibility most patients never hear about.

4

Handles the dispute end to end — dispute letter, negotiation letter with a target number, phone script, and the follow-up when the billing office goes quiet.

What the audit finds

EOB REVIEW · ACCT #7729 Illustrative example

Line item

Flag

Amount

CT scan, abdomen

Charged twice, same scan

$2,410

Lab panel (CBC + metabolic)

Bundled code billed separately

$340

Facility fee

34% above regional benchmark

$890

Total flagged

$3,640

What a fight looks like

SCENARIO 01 · COMPOSITE

Sofia, Texas

Amount saved

$3,940

Duplicate and unbundled charges removed from a $14,780 ER bill.

Her son's ER visit came back at $14,780. The itemized bill showed the same CT scan charged twice, plus an unbundled lab panel. Her dispute letter targeted $3,940 in errors; her negotiation letter anchored to the hospital's own published rate.

SCENARIO 02 · COMPOSITE

Priya, Florida

Amount saved

$2,180

Out-of-network anesthesia reprocessed at the in-network rate.

The anesthesiologist at her in-network hospital billed $2,650 out-of-network. Her letter invoked federal surprise-billing protections and requested reprocessing at the in-network rate.

Composite scenarios for illustration — not customer stories

Pricing

Audit findings

Free

See every flagged charge and how it compares to benchmark pricing.

DIY letter pack

$49

Dispute letter, negotiation letter, and phone script — you send them.

Founding

Full service

18% of verified savings

Apelo handles the back-and-forth. You approve everything before it's sent.

"Verified savings" means the difference between the original bill and what you actually owe after the dispute — you keep at least 82%, and you approve every letter before it's sent.

Bills FAQ

Any itemized hospital or provider bill — especially ER visits, imaging, surgery, and anesthesia, where duplicate and unbundled charges are most common.

We compare your original bill to what you actually owe after the dispute is resolved. The fee is a share of that difference, calculated once, shown to you before you pay anything.

Apelo drafts a follow-up escalation and a phone script for a direct call to the billing office's supervisor line.

On the full-service plan, yes — with your approval on every letter before it goes out. On the DIY plan, you send it yourself.

Not unless you want to. Our team reviews every flagged charge with you, and on the full-service plan we handle the back-and-forth — you approve every letter first.

No reduction, no fee.

If Apelo doesn't bring down what you owe — a denial overturned or a bill corrected — you get your money back. We refund your Apelo fee in full.

Check the math before you pay.