How it works
See exactly what your bill is hiding.
You add a bill, Paxer audits every charge against your plan and regional prices, flags the errors with the math, and drafts the dispute letter you review and send — keeping you in control the whole way. Here’s what that looks like on a real example.
A worked example
See it on an example ER bill.
Illustrative only — not a real patient. It shows the kinds of errors Paxer surfaces.
The bill
What Paxer finds
Duplicate charge
The same CT scan appears twice on the same date for the same amount. A service performed once should be billed once.
Cost-share miscalculation
Coinsurance was applied before your deductible was met, inflating what you were asked to pay.
Surprise / balance bill
The out-of-network ER physician billed above your in-network cost-share — a likely No Surprises Act violation.
Benchmark overcharge
The facility fee is well above the regional median for the same code.
Then Paxer drafts the letter. It cites each finding and the math, in plain language. You review and edit it, download the PDF, and send it to your provider or insurer. Paxer tracks the response deadline and reminds you — and when money comes back, you log the recovery and see exactly what you keep.
FAQ
Common questions.
How much does Paxer cost?
Paxer is free for individuals. There’s no fee and no contingency — you keep 100% of anything you recover.
Will Paxer contact my provider or insurer for me?
No — you stay in control. Paxer drafts the dispute letter; you review it and send it yourself, so nothing goes out without your say-so.
What kinds of errors does it find?
Duplicate & unbundled charges, Cost-share miscalculations, Balance billing & surprise bills, Upcoding & overruns — see the example above for how each looks on a real bill.
Is my information secure?
Your documents are private to your account and never shown to other users. See our Privacy Policy for how your data is handled.
Is this legal or medical advice?
No. Paxer is a tool to help you review your own bills. Estimates are not guarantees, and dispute letters are drafts you review before sending.
What if my dispute isn’t successful?
Nothing changes — Paxer is free either way. Dispute outcomes are never guaranteed.