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Settle Medical Bills
For Less Than You Owe
Send settlement offers directly to your medical billers with one click. Track every offer in real-time and pay accepted settlements instantly through secure payment.
Start Negotiating Today
Negotiate Medical Bills Without the Phone Calls
Negotiating medical bills traditionally means spending hours on hold, being transferred between departments, and hoping to reach someone who can actually help. MyMedicalCabinet eliminates that frustration entirely.
After our AI analyzes your bill and calculates a fair price, you can send a formal settlement offer directly to the biller's email with one click. The biller receives a professional offer letter with a secure portal to respond — no phone calls needed.
Track every offer's status in real-time from your dashboard. See when it's been opened, whether it's been accepted, countered, or declined. When an offer is accepted, pay the settlement amount instantly through our secure Stripe payment integration.
- One-click settlement offers sent via secure email
- Real-time status tracking: pending, accepted, countered, declined
- Instant payment through secure Stripe integration
- Full negotiation history and activity timeline
- Offers auto-expire after 7 days with notification
How Settlement Negotiation Works
Get Your Fair Price
Our AI analyzes your medical bill and calculates a recommended settlement offer based on fair market pricing and common billing errors.
Send Your Offer
With one click, send a professional settlement offer directly to the biller. They receive a secure email with a portal to review and respond to your offer.
Pay & Settle
When the biller accepts, pay the settlement amount instantly through Stripe. Both parties receive confirmation and the bill is marked as settled.
Frequently Asked Questions
How do I send a settlement offer to a medical biller?
After our AI analyzes your bill and recommends a fair offer amount, you can send a settlement offer directly to the biller with one click. The offer is delivered via secure email with OTP verification, and you can track the status in real-time.
What happens after a biller accepts my settlement offer?
When a biller accepts your offer, you'll receive a notification and can pay the accepted amount instantly through our secure Stripe payment integration. Once payment is confirmed, both you and the biller receive a settlement confirmation.
Can the biller counter my settlement offer?
Yes. Billers can accept, decline, or counter your offer. If they counter with a different amount, you'll see the counter offer in your dashboard and can choose to accept it, decline it, or submit a new offer. The full negotiation history is tracked.
How long do settlement offers remain valid?
Settlement offers remain active for 7 days. If the biller doesn't respond within that time, the offer automatically expires and you can submit a new one if you choose. You'll be notified of all status changes.