What to include
- Your full name, date of birth, and account number
- The date of service and the name of the facility
- The specific charges you are disputing and why each one appears incorrect
- Reference to your EOB if the bill differs from your insurer's determination
- A request for a written response within 30 days
- A statement that you are not refusing to pay valid charges
Tone and approach
Keep the letter factual and professional. Avoid emotional language. State clearly what you are disputing and why, reference specific documents where possible, and ask specific questions. The goal is to get a written response that either corrects the bill or explains the charges to your satisfaction.
How to send it
Send the letter by certified mail with return receipt — or by email if the billing department has a confirmed email address and you request a read receipt. Keep a copy of the letter and any response.
Send to the right department
Address the letter to the billing department or patient financial services — not the general hospital address. Large hospitals may have separate departments for insurance disputes and patient billing disputes.
Medical bill you want to dispute?
Upload it for a free overview and a ready-to-send dispute letter.
Check my bill free →A note on this guide
General information only. Not legal advice.