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Medical Bill Negotiator: IQ
Fight Hospital Bills with AI
Free · In‑App Purchases · Designed for iPad
AI-powered medical bill negotiation. Generate dispute letters, get phone scripts, and find financial assistance programs. Fight back against healthcare costs.
The app that helps you fight back against medical bills.
Got a hospital bill you can't afford? IQBill helps you negotiate it down, dispute errors, and find financial assistance programs — all with AI-powered guidance and personalized, ready-to-send letters.
Stop staring at that bill hoping it goes away. Most people don't realize medical bills are negotiable, and up to 80% contain errors. IQBill gives you the tools and scripts to actually do something about it.
HOW IT WORKS:
Describe your situation — the bill amount, your income, what happened, upload documents. IQBill analyzes your case and generates personalized negotiation letters, phone scripts, and step-by-step action plans to help you attempt to reduce what you owe.
AI-POWERED NEGOTIATION HELP:
- Generate dispute letters for billing errors
- Create financial hardship letters for reduced bills
- Get phone scripts for calling billing departments
- Generate requests for itemized bills and explanations of benefits
- Generate appeals for denied insurance claims
- Identify applications for hospital charity care programs
- Helps you negotiate lump sum settlements for discounts
KNOW YOUR RIGHTS:
- Understand what hospitals are required to offer
- Learn about charity care and financial assistance
- Know the timeline before bills hit your credit
- Protect yourself from unfair collection practices
FEATURES FOR MEDICAL DEBT:
- AI analysis of your bill and situation
- Personalized negotiation letters ready to send
- Phone call scripts for billing departments
- Step-by-step guides for each strategy
- Track your bills and negotiation progress
- Save successful templates for future use
- Educational content on medical billing rights
MADE TO ANALYZE ANY MEDICAL BILL:
- Hospital stays and emergency room visits
- Surgery and procedure charges
- Doctor and specialist visits
- Lab work and imaging
- Ambulance and transport fees
- Out-of-network surprise bills
- Denied insurance claims
WHO THIS HELPS:
- Anyone with a medical bill they can't afford
- People with high deductibles and copays
- Families dealing with unexpected medical costs
- Anyone who got a surprise bill
- People whose insurance denied coverage
IQBill requires a subscription or purchase to use, detailing below:
PREMIUM PLANS ($2.99/week, $7.99/month, $24.99/year discount, $39.99/year, $59.99/lifetime):
- More AI negotiations and letters
- All letter templates and phone scripts
- Medical Bill AI Chat analysis and document uploads
By downloading this app, you agree to our terms and conditions and privacy policy:
Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy: https://www.format.partners/medbilliq-privacy-policy
Support: https://www.format.partners/support
Contact: hello@format.partners
MedicalBillIQ is an educational tool that helps you understand your options and communicate with billing departments. It does not provide legal or financial advice. Results vary based on individual circumstances and hospital policies. Returns and savings not guaranteed.
Ratings & Reviews
This app hasn’t received enough ratings or reviews to display an overview.
The developer, Format Partners LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Contact Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Health & Fitness
- Purchases
- Financial Info
- User Content
- Identifiers
- Usage Data
- Diagnostics
The developer indicated that this app supports the following accessibility features. Learn More
Information
- Seller
- Format Partners LLC
- Size
- 43.1 MB
- Category
- Finance
- Compatibility
Requires iOS 18.5 or later.
- iPhone
Requires iOS 18.5 or later. - iPad
Requires iPadOS 18.5 or later. - Mac
Requires macOS 15.5 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.5 or later.
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- IQBill Premium - Annual Discount $24.99
- IQBill Premium - Monthly $7.99
- IQBill Premium - Lifetime $79.99
- IQBill Premium - Annual $39.99
- IQBill Premium - Weekly $2.99
- Copyright
- © 2026 Format Partners LLC