Hospital bills and insurance denials are wrong more often than people realize. Owedify is an interactive kit you run from your phone or computer. You answer a few questions and it generates your letters, filled in with your answers, for you to review, sign, and send yourself.
The usual federal window to appeal a denial. Most people never use it.
From a confusing bill to a filed, tracked appeal.
No account and no cloud. Nothing you type is ever uploaded.
One time. No subscription and no account, yours forever.
You do not need to understand insurance law or hire anyone. You need the right steps, in the right order, before time runs out.
A hospital or provider bill was sent with a price that does not match what you expected, or what your insurer said you would owe.
Your insurer denied a claim, called care "not medically necessary," or paid far less than it should have, and gave you a short window to respond.
The amount is confusing and the deadline feels close, so paying it seems easier than fighting, which is exactly what they expect.
Miss it and you can lose the right to appeal at all.
Most plans give you up to 180 days to file a first appeal, but the date that governs your case is the one printed on your own denial notice. You enter that date and the kit calculates exactly how many days you have left, then helps you add the due date to your phone's calendar with a reminder.
Everything runs on your own device, and the reminder comes from your own calendar.
No blank page, no legal jargon to figure out.
Answer a short set of questions: what was denied, why you believe it was wrong, and the amount, and the kit generates your dispute, appeal, and negotiation letters, filled in with your answers. It cites the rule that fits your situation, such as the No Surprises Act for an out-of-network emergency bill.
You review each letter, edit anything, then copy, save, or print it, sign it, and send it yourself.
Maria Alvarez Jun 11, 2026 Blue Shield PPO, Appeals Department Re: Appeal of denied claim Claim #: CLM-8841276 Amount in dispute: $2,340 To the Appeals Department: I am formally appealing the denial of the claim above. I am disputing an out-of- network charge protected under the federal No Surprises Act...
A call with billing or insurance is where most mess up.
The kit includes word-for-word scripts for the billing department and for your insurer, what to ask for, how to request a fully itemized bill, and the things you should never agree to pay on the spot.
You note each call as you make it, the name, the date, and the reference number, and the kit keeps them together in one contact log. That builds into a printable case file you can hand to an outside review or your state insurance department if you escalate.
Most itemized bills have at least one.
A guided review shows you how to read a hospital statement line by line and flags the most common and most expensive mistakes. Finding a single error is often the difference between paying a bill in full and cutting it down.
So nothing slips while you wait for an answer.
The tracker shows you which step you are on and what to do next. You complete each step yourself and add the reminders to your own calendar, so you stay in control of every date.
There is no account and no cloud. Your information stays on your device and is never uploaded, so the only person who ever sees your case is you.
Plenty of "kits" are a folder of templates you still have to figure out. This one handles the parts people get stuck on, the dates, the wording, and knowing the next step.
It calculates, drafts, and tracks. A static template cannot do any of that, and that is exactly where most people give up.
You are never left guessing a deadline or staring at a blank page. The kit calculates the date and generates the letters from your answers, for you to review and send.
No account and no cloud. Your medical details never leave your device, and nothing is ever sold or shared.
No subscription and no cut of what you save. You pay $29 once and keep the kit for every bill that follows.
No subscription and no account. Buy it once, keep it forever, and use it for this bill and the next one.
Ask for an itemized bill before you pay anything. The hospital must provide one on request, and duplicate charges or services you never received are easiest to catch there.
A ZIP file containing the kit, an app that opens in any browser on your phone or computer, and a one-page Start Here PDF. It downloads instantly after purchase, so you can begin within a minute.
No to both. After the kit loads once, it works fully offline. There is no account and no sign up, and everything you type saves on your own device only.
Any modern browser, on a phone, tablet, or computer. You can add it to your phone's home screen and it opens like a normal app.
Yes. Your answers, letters, and dates are saved in the browser on your device. The kit can also save a backup file you keep yourself, so you can move your case to another device any time.
Unzip the download, open the kit in any browser, and add it to your home screen. The Start Here guide walks you through it in about 30 seconds.
Take back control of your bill without the hefty fee of hiring an advocate or lawyer. Answer a few questions and the kit generates your letters, tracks your deadlines, and shows you each step. You review, sign, and send. $29, yours forever.
The three-sentence script that gets you a fully itemized bill, the six charges to check before you pay, and the questions to ask first. We will email it to you.