Got a surprise medical bill? Learn how to dispute inaccurate charges and protect your credit and your wallet.

You opened your mailbox (or app) and found a medical bill you don’t recognize — maybe for a treatment you didn’t receive, or a charge that seems way too high.

Don’t panic. You have rights, and there are legal steps you can take to dispute it.

Here’s how to challenge a medical bill — and what to do if it goes to collections.

1. Start with the Basics: Get the Bill in Writing

If the charge came by phone or a vague notice, ask for a full written breakdown. You’re entitled to know:

• The name of the provider
  
• Date and type of service
  
• What your insurance covered (if any)
  
• How the amount was calculated
  

Keep all communication in writing from this point on.

2. Compare It to Your Insurance Explanation of Benefits (EOB)

If you’re insured, the EOB will show what your plan covered and what you might owe. If there’s a billing error, double charge, or out-of-network issue, highlight it.

3. Dispute the Charge in Writing

You can write a letter or email that includes:

• The bill reference number
  
• The reason you’re disputing
  
• Any documents you’re including (like your EOB or receipts)
  

Vikk AI can help you draft a dispute letter that’s legally sound and easy to send.

4. Watch Out for Collections

If the bill gets sent to collections, you have additional rights under the Fair Debt Collection Practices Act. You can request verification and challenge the debt.

Never ignore a collections notice — it can hurt your credit. Let Vikk AI guide you on how to respond.

Final Word

Medical billing mistakes are common — and costly. You don’t have to accept every charge at face value. Use your voice, know your rights, and let Vikk AI help you handle the process confidently.