Problem Pack for money and bills
Lower Your Hospital Bill
Lower a US hospital or medical bill. It checks the itemised bill for errors, asks for charity care and discounts, and sets up a payment plan.
Works for: US
See it in action
An example. The situation is made up to show how the pack works.
The situation
You had planned knee surgery at an in-network hospital in Arizona. The anesthesiologist was out of network and billed you $3,200, but your insurer's Explanation of Benefits puts your share at $250.
It asks you, for example
- Which country and state you are in
- Who sent the bill, the total and date
- Whether you had insurance, and what kind
- Whether it was emergency or planned care
Subject: Account 77120: rebill at in-network cost sharing (date of service August 14, 2026)
Dear Billing Office,
I received a statement dated October 2, 2026 for account 77120 showing a balance of $3,200.00 for anesthesia during my surgery on August 14, 2026.
The surgery took place at an in-network hospital. I did not choose the anesthesiologist and did not agree to waive my protections. My insurer's Explanation of Benefits shows patient responsibility of $250.00.
Please rebill this account at in-network cost sharing under the No Surprises Act and send a corrected statement by November 13, 2026.
Please also hold the account, with no collection activity or credit reporting, while this is reviewed, and confirm this in writing.
Thank you,
[YOUR NAME]
[YOUR PHONE NUMBER]
If they refuse or stall, it drafts the complaint to the federal No Surprises Help Desk and a reply to any collection notice.
A skill for Claude, ChatGPT, Gemini, Grok or Copilot, or a text file for any AI chat, that turns your AI into a medical bill helper for your case.
It asks about your bill, your insurance and where you live, tells you honestly where you stand, and writes each letter to the hospital, the insurer or the collector.
What you are buying
- A line-by-line bill check with you
- Letters asking for the itemised bill, disputing errors and pausing collections
- Help applying for hospital financial assistance
- Answers ready for the usual billing office replies
- Legal, medical or financial advice. It never comments on your care.
- An app, a login or a subscription. You pay once.
- A promise of any discount or result
- A way to hide income or fudge a form
The message most people send, and the one this pack writes
Subject: Bill question Hi, I got a bill for $6,412.80 and it seems really high. I can't afford this right now. Is there anything you can do to lower it? Please let me know what my options are. Thanks
No account number, no facts, no clear ask and no date, so it gets a payment plan offer at full price.
Subject: Account 448812: itemised bill and billing hold (date of service 2 March 2026) Dear Patient Financial Services, Your statement of 18 April 2026 shows $6,412.80 for emergency care on 2 March 2026. My insurer's EOB for that date shows patient responsibility of $1,150.00. Please send by 9 May 2026: 1. An itemised bill with CPT and revenue codes. 2. An explanation of the $5,262.80 difference, or a corrected statement. 3. Your financial assistance policy and application. Please also hold the account from collections and credit reporting while this is reviewed, and confirm in writing. Thank you, Jordan Ellis
It quotes the insurer's own figure, asks for three specific things by a date and stops the clock. An invented example from the pack.
What it does
Words you can type at any time. You do not need them to start.
| Start it | Asks where you live, who billed you, your insurance and what papers you have |
| audit | Goes through your itemised bill line by line and marks what to question |
| assistance | Explains the hospital's financial help and drafts your cover letter |
| they replied: <paste> | Says what their answer means and drafts your reply |
| phone script | Gives you what to say on the call and the email to send after |
| case file | Shows your case on one screen: amounts, what was sent, next step and date |
How you use it
- Open a new chat in ChatGPT, Claude, Gemini, Grok or Copilot. Free plans work.
- Attach the text file to a new chat in any AI and type "Follow this file". Or upload it once as a skill to Claude, ChatGPT, Gemini, Grok or Copilot.
- Answer its questions in your own words. It works through the problem with you from there.
See the set-up steps for each AI before you buy.
What arrives
A zip file, straight after you pay. Inside: the pack as a ready-to-upload skill with its SKILL.md, the same pack as one text file for any AI, and a start-here PDF with both set-ups.
Good to know
- Built mainly for US bills. It also works for private medical bills in other countries.
- Always start by asking for the itemised bill with codes. Many errors only show up there.
- Nonprofit US hospitals must have a financial assistance policy. Many people never ask.
- If court papers arrive, it tells you to get legal help that day and never ignore them.
- It writes, you send. Nothing goes out for you.
- Part of the Money Back Kit: 7 packs for $39.
- Or get Every Problem Pack: all of them for $99.
- 14 days to get your money back if it does not do what this page says.
What is in the download
4 files in one zip, ready straight after you pay.
| START-HERE.pdf | The two ways to set it up, step by step, and the commands you can type. |
|---|---|
| 1 - Skill | A ready-to-upload skill (.zip) and its SKILL.md. Upload it once to Claude, ChatGPT, Gemini, Grok or Microsoft 365 Copilot and it switches on whenever this problem comes up. |
| 2 - Text file for any AI | The same pack as one text file, about 3,400 words. Attach it to a chat or add it to a project in ChatGPT, Claude, Gemini, Grok or Copilot. Free plans work. |
Questions
Which AI does it work with?
Claude, ChatGPT, Gemini, Grok and Microsoft 365 Copilot take it as a skill: upload it once and it switches on by itself. On any AI and any plan, attach the text file to a new chat and type "Follow this file", or add it to a project.
How do I get it?
Pay once by card. The download button appears straight after payment and your receipt comes by email. No account, no subscription.
Can I keep it ready for next time?
Yes. Upload the skill once to Claude, ChatGPT, Gemini, Grok or Microsoft 365 Copilot, or add the text file to a ChatGPT Project or custom GPT, a Claude Project, a Grok project or a Copilot agent. The start-here guide shows each.
Does it send anything for me?
No. It writes each message and you read it and send it yourself.
Is this legal advice?
No. It helps you put your case clearly and keep it moving. For large sums, a court date or anything you are unsure about, speak to a lawyer or a free advice service where you live.
What if it does not work for me?
You have 14 days to get your money back if it does not do what this page says. Tell us what you asked it and what it returned.
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