Most Hospital Bills Can Be Reduced. We Do It For You.
Bills are full of errors and inflated charges. Most insurance denials can be overturned. Our nurse-led team audits, negotiates, and appeals on your behalf — so you pay only what you actually owe.
Get My Free Bill or Denial Review100% free · Someone from our team reaches out within 24 business hours
You opened the envelope (or the portal) and your stomach dropped. The number doesn't make sense. The codes mean nothing. And when you called, you got transferred four times and told "that's just what you owe."
Or maybe you did everything right — and your claim still came back denied.
Here's what almost nobody tells you: that bill and that denial are both negotiable. You just need someone who knows how the system actually works.
Is this for you?
Yes, if:
- You've received a medical bill that's confusing, wrong, or just brutal
- Your insurance denied a claim you believe should've been covered
- You're managing a parent's or family member's medical bills and you're in over your head
- You want someone who knows the system to handle it for you
Probably not, if:
- You're looking for free DIY tips — we're a done-for-you service
- Your bill is small enough that professional help isn't worth it
Three things hospitals and insurers count on you not knowing
This is why the service exists. And why most patients pay too much.
1. Your bill probably has errors.
Duplicate charges. Wrong billing codes. Services you never received. Industry studies have long found errors are common on hospital bills. We audit them line by line and find what's wrong.
2. Hospitals expect you to negotiate.
The printed amount is a starting point, not a final number. Most patients pay it anyway because they don't know they can push back. We push back for you.
3. A denial is a starting position, not a verdict.
Insurers deny claims that are often payable. The difference is an appeal written correctly, with the right documentation, citing the right policy language. That's what we do.
How it works
Three steps. No paperwork to dig up. No documents to upload.
Tell us what happened.
Pick your situation — a bill, a denial, or both — and describe it in your own words.
We only need your story to start — never your private medical records.
Get a written approach.
We review it and send you a plain-English plan for how we'd fight it — what's likely possible and what it would take.
Decide if you want us in your corner.
If it makes sense, book a consult and we take it from there. If it doesn't, you'll walk away knowing your real options.
Meet Kristy
Haven was founded by Kristy Shell, RN — with over 25 years of experience in medicine, health, and wellness.
Her career began in the NICU advocating for the smallest patients and reassuring their terrified parents. She later served on a critical care transport team, then spent years inside a major insurance company managing disease and wellness programs — which means she knows how insurers think and where their playbook breaks down.
She holds doctorate-level studies in nursing leadership and public health. And she started Haven after years of advocating for her own family — including her father, whose move to Florida required coordinating care across multiple new specialists.
Now her entire focus is making sure your goals — not the hospital's or the insurance company's — get achieved.
RN · 25+ years in healthcare · Doctorate-level studies in nursing leadership & public healthCommon questions
Is this legit?
Haven is nurse-led and independent. We work for you, not the hospital or the insurance company. Founded by a registered nurse who has been inside the system for years.
Do I have to send my medical records?
No. To start, just tell us what's going on in your own words. Nothing private gets uploaded on this page. If you decide to move forward, we'll request what we need securely — not through a web form.
What if it's not worth it?
We'll tell you straight whether your situation is worth pursuing before you commit to anything. The written review is honest — if there's no realistic path to a meaningful reduction or appeal win, we'll say so.
How much does it cost?
The written review is free. If you decide to move forward, our work is billed hourly — not on contingency, regardless of outcome. We'll walk you through rates and engagement details on your consult so you know exactly what you're committing to. We only recommend pursuing cases where we believe the potential return is meaningfully greater than the fee.
Do you work nationwide?
Yes. Medical billing advocacy and insurance appeals are fully remote. We work with clients in all 50 states.
Stop guessing what you owe. Find out what you can actually fight.
100% free. Tell us what's going on — someone from our team will reach out within 24 business hours with your real options.
Prefer to call instead? 813-322-5550