A medical bill arrives and it feels final, official, and entirely yours to pay. Often it's none of those: bills are riddled with errors, "surprise" charges are frequently restricted by law, hospitals keep quiet about financial-assistance programs, and medical debt carries special protections most people never hear about. This kit is for the moment a bill or a denial lands and your stomach drops — to help you check before you pay, push back when it's wrong, and find the way out if the debt is already piling up. Free, private, works offline.
Everything here is general information to help you ask better questions —
not medical, legal, or financial advice. Billing rules and protections vary by country
and plan.