Photos and PDF pages leave the device like this: names, member IDs, account numbers and addresses covered. This example is that run.
We found possible errors, duplicates and financial help based on 17 documents.
Code 01960 twice on sheet 10 (lines 1 and 2), same day, same price.
The same service appears twice, same day and same price.
Newborn care (0170, 99460, 99462) is on mom's insurance ID. 3 denied. Ask to bill it under the baby.
The baby's care was billed under mom's insurance ID, so the plan may have refused it.
Household of 3 · income $58,000 · 212.3% of the poverty line. Policy: 201–250% → 90% off.
Your income fits the hospital's financial assistance policy, but no discount is on the bill.
Household of 3 · income $58,000 · 212.3% of the poverty line. Policy: 201–250% → 90% off.
Your income fits the hospital's financial assistance policy, but no discount is on the bill.
A credit sits on the account. Ask for it back.
There is a credit on your account: money that should come back to you.
Balance $0, but the coupon asks $719.03. Ask before you pay.
One sheet shows two different amounts to pay. Ask which one is right before paying.
Missing pages: 3 of 4. Totals may be on them.
Some pages of a statement are missing from the pile; totals may be on them.
Sheet D1 shows a total without every charge. Line-by-line errors can hide there. A Florida hospital must send the itemized bill within 7 days of your request.
Ask for the itemized bill to see every charge; errors often hide in the total.
Household of 3 · income $58,000 · 212.3% of the poverty line. Policy: 201–250% → 90% off.
Your income fits the hospital's financial assistance policy, but no discount is on the bill.
Why_unsure. First bill after discharge: Mar 18, 2025.
The last day to apply for the hospital's financial assistance.
LITTLE HARBOR PEDIATRICS, Meridian Physician Services bill separately. This policy covers the hospital and its own doctors only; ask each office whether it has its own help program.
Estimates from the hospital's published policy. The hospital decides. A separate checker re-did every amount and date from the sheets: 12 checked.
| Step | Model | Calls | Tokens | Seconds | Cost |
|---|---|---|---|---|---|
| Find sheets | Nemotron 3.5 Super VL | 7 | 5,803 | – | $0.002 |
| Read every sheet | Nemotron 3.5 Super VL | 3 | 118,285 | – | $0.072 |
| Second read of the case | Nemotron 3 Ultra | 1 | 36,323 | – | $0.064 |
Each step goes to the smallest Nemotron that does it well; the big model reads only where it changes the answer. Amounts and dates are counted by code, never by a model. This page replays a recorded run on Nebius Token Factory: the costs are what that run cost, the seconds were not recorded.
Ask the hospital for an itemized bill. A Florida hospital must send it within 7 days of your request.
The hospital is licensed in Florida.
A Florida hospital must answer a question about your bill within 7 business days, and show the records behind the bill within 10 business days.
The hospital is licensed in Florida.
A nonprofit hospital must accept your application for financial assistance for at least 240 days after the first bill after you left the hospital.
The hospital is a nonprofit 501(c)(3) hospital.
Apply at least until: Nov 13, 2025If you are approved for financial assistance, the hospital must refund what you already paid above your new amount, and undo collection actions.
The hospital is a nonprofit 501(c)(3) hospital.
If you qualify for financial assistance, a nonprofit hospital cannot charge you more than it generally bills people who have insurance (AGB).
The hospital is a nonprofit 501(c)(3) hospital.
A nonprofit hospital cannot send you to collections, report you to credit bureaus or sue for at least 120 days after the first bill, and must warn you in writing at least 30 days before.
The hospital is a nonprofit 501(c)(3) hospital.
No collections before: Jul 16, 2025Once you apply for financial assistance in time, the hospital and its collectors must pause collection actions until it decides.
The hospital is a nonprofit 501(c)(3) hospital.
The hospital cannot deny financial assistance because you did not send a document that its policy or form does not list.
The hospital is a nonprofit 501(c)(3) hospital.
An employer health plan must give you at least 180 days after a denial to appeal it, and decide the appeal of a past service within 60 days.
Your insurance statement shows a denied line.
Appeal by: Sep 17, 2025In Florida, a lawsuit to collect a hospital debt must be filed within 3 years from when the hospital sent the debt to collections.
The hospital is licensed in Florida.
At an in-network hospital, an out-of-network anesthesiologist, neonatologist, pathologist or radiologist can bill you only your in-network share. You cannot sign this protection away.
Applies if a doctor at the hospital was out of network.
For emergency care, an out-of-network hospital or doctor can bill you only your in-network share.
Applies to emergency care.
Without insurance you can ask for a good faith estimate before care. If the bill is at least $400 more than the estimate, you can dispute it within 120 days of the bill.
Only for care without insurance.
Outside Florida the federal protections above still apply. Rules on itemized bills, answers about a bill and collection lawsuits differ by state: look up your state's hospital billing law.
