WHAT WE NEGOTIATE
Three categories we know cold. Everything else, we'll try.
This is the actual playbook — what we look for, who we call, and the numbers we typically land.
01 · Medical Bills
Most medical bills are wrong. We fix them.
Studies put hospital billing error rates at 30-80%. Mumm catches the mistakes, applies what you qualify for, and negotiates the rest. You pay only when we cut your bill.
- 54%
- Average reduction — on settled medical bills
- 2.5 weeks
- Median timeline
- 38%
- Charity-care hit rate — when eligible
How we run it
- Pull the itemized bill and audit every line against CPT codes
- Flag duplicate charges, unbundling, and out-of-network errors
- Verify insurance was billed correctly before settlement
- Apply for charity care or financial assistance when income qualifies
02 · Travel
Hotels and airlines have rates they don't post.
Direct relationships, last-minute inventory, loyalty quirks. Mumm calls the hotel manager, not the OTA. We get the room you wanted, the perks you didn't know existed, and a rate that isn't on Booking.com.
- $240
- Average savings — per booking
- 46%
- Upgrade rate — requests fulfilled
- 4 hours
- Median timeline
How we run it
- Research the merchant: brand standards, day-of occupancy, recent reviews
- Call the on-property revenue manager directly, not the central line
- Anchor against published rate plus competitor rates for the same dates
- Stack perks: late checkout, breakfast, room category, resort credit
03 · Auto
Buying a car is a negotiation. Mumm runs it for you.
Mumm contacts multiple dealers, runs them against each other on price, accessories, financing, and maintenance, and brings you the best out-the-door number. You walk in, sign, drive off.
- $3,800
- Average savings — off MSRP plus add-ons
- 5-8
- Dealers contacted — per negotiation
- 6 days
- Median timeline
How we run it
- Lock vehicle spec: trim, options, color, financing preference, trade-in
- Pull regional invoice + holdback data for the model and trim
- Solicit out-the-door quotes from 5-8 dealers in a 100-mile radius
- Cross-leverage quotes; push the lowest two for accessories + warranty
Also in the rotation.
Lighter playbooks, same persistence.
Premiums creep up. We push them back.
Auto, home, umbrella. Mumm benchmarks your policy against the market, calls the carrier, and pushes for the loyalty discount or the policy switch — whichever lands the better number.
A contractor estimate is the start, not the end.
Mumm gathers competing bids, verifies scope, and negotiates the line items: labor rate, markup on materials, change-order policy, warranty terms.
If it has a price, we'll try.
We won't pretend to be experts in every category, but we know how to negotiate. Send us the bill, the link, or the situation. We'll tell you up front whether we're confident or just curious.