How we negotiate medical bills.

A hospital bill needs more than a glance at the total. Mumm starts with the charges and supporting records so the request is grounded in what was billed.

01 · Pull the itemized statement

Most patients only see the summary. We request the itemized version directly from the hospital, audit each CPT code, and flag duplicates, unbundling, and out-of-network mismatches before any negotiation begins.

02 · Check insurance billing

Compare the bill with the insurer’s explanation of benefits and ask the provider to resolve mismatches. Establish which charges remain the patient’s responsibility before discussing a settlement.

03 · Apply for charity care if eligible

Request the hospital’s financial-assistance policy and application. Its eligibility criteria and required documents guide the next step. Mumm works with the user on that request within the authority they provide.

04 · Negotiate against fair-price benchmarks

Once we've removed errors and applied programs, we settle the rest against a fair-price benchmark — usually the Medicare allowable rate, sometimes the cash-pay rate the hospital itself offers up-front to uninsured patients.

When the agent escalates

Some bills involve disputes over what was clinically necessary, billed at a higher acuity than the visit warranted, or tangled in collections. The agent is good at the typical case; the unusual case routes to a human Mumm operator with the full transcript and the user's authorization to act.