Ask and attach
Upload the bill, take a photo, or attach the EOB. Start with what you have.
MEDICAL BILLS
Give Steward the bill. It handles what comes next.
Attach the bill or insurance Explanation of Benefits (EOB). Steward compares the documents, flags billing or insurance differences, and can file the dispute, appeal, or correction with the provider or insurer.
HOW IT WORKS
From the bill to the provider's response.
Steward compares the documents
It checks totals, patient responsibility, adjustments, payments, line items, and deadlines for differences worth reviewing.
Steward files the request
It sends the dispute, appeal, or correction with the supporting documents and asks you only when something is needed.
Steward keeps following up
Work shows what was sent, what the provider or insurer said, and whether the bill was corrected. Ask from any chat, and Steward can continue from the latest response. (how access is protected)
A DOCUMENTED ANSWER
See the difference, the evidence, and the next step.
Steward may find an unexplained difference, a missing document, or no mismatch in the totals it compared. It shows the basis and remembers the bill, documents, and prior requests, so the next follow-up starts with the full history. Not sure where to start? Compare your bill and EOB with the free medical bill checker, see what medical bill advocates charge for the same work, or read two real customer stories.
GUIDES
Fighting a bill yourself? Start here.
9 min read
How to Dispute a Medical Bill: A Step-by-Step Guide
Do not pay a medical bill until you have checked it. A step-by-step way to catch the common errors and push back on the overcharge.
Read the guide →7 min readHow to Read Your EOB (Explanation of Benefits)
The EOB is not a bill, it is the key to checking one. Learn its fields once and you can vet any charge in minutes.
Read the guide →8 min readMedical Bill Higher Than Your EOB? What to Do
The bill says more than your EOB. Match the claim, find where the numbers split, and push the provider or insurer for a corrected balance.
Read the guide →9 min readCommon Medical Billing Errors: A Complete Checklist
A line-by-line check for duplicate charges, services you did not get, EOB mismatches, missing payments, and other billing problems.
Read the guide →8 min readSurprise Medical Bills and the No Surprises Act: Your Rights
A shocking out-of-network bill is where the law is most on your side. What the No Surprises Act protects, and how to push back.
Read the guide →7 min readHow to Get Hospital Financial Assistance (Charity Care)
There is a program that can shrink or erase a hospital bill, and most people who qualify never ask. How to find it and apply.
Read the guide →8 min readHow to Appeal a Denied Health Insurance Claim
A denial is the insurer’s opening position, not the last word. How to find the reason and overturn it, step by step.
Read the guide →6 min readHow to Request an Itemized Medical Bill (and Why You Should)
You cannot catch an error you cannot see. How to get the line-by-line bill in one phone call, and what to look for.
Read the guide →7 min readHow to Negotiate a Medical Bill
Once a bill is correct, the amount is still often up for discussion. The asks that lower it, and the order to make them.
Read the guide →9 min readMedical Bill Sent to Collections? What to Do Next
A collection notice starts a clock, but it does not prove the bill is right. Verify it, dispute errors, and make every account reflect the result.
Read the guide →7 min readHSA vs FSA: How to Use Them for Medical Bills
Both can pay eligible medical costs with tax-advantaged dollars, but they are not interchangeable. Which is which, and how to use one on a bill.
Read the guide →QUESTIONS
How medical-bill disputes work
What documents should I send?
Start with the provider bill. An Explanation of Benefits, denial letter, insurance card, itemized statement, or portal message can help Steward verify what happened, but you do not need every document before starting.
What does Steward check?
Steward compares the provider bill with the insurer’s Explanation of Benefits, looking at the patient responsibility shown, allowed amounts, payments already made, adjustments, duplicate lines, coding clues, and any deadlines.
What happens after Steward finds an error?
When you ask Steward to handle it, Steward assembles the reason, supporting documents, destination, deadline, and message, then files the dispute, appeal, assistance request, or provider correction through the available route and follows the response.
Is Steward a lawyer or medical provider?
No. Steward is software acting on your instruction. It is not a lawyer, healthcare provider, accountant, or licensed patient advocate, and it does not provide legal or medical advice.
Have Steward check the bill in front of you.
Checking a bill is free. Billing and appeal deadlines vary, so start with the date on your documents. Steward Plus can handle a supported provider dispute, insurer appeal, or assistance request for $15/month or $120/year, with no percentage fees.