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.
Average reduction
54%
on settled medical bills
Median timeline
2.5 weeks
Charity-care hit rate
38%
when eligible
PLAYBOOK
How Mumm runs this category.
01 · Pull the itemized bill and audit every line against CPT codes
02 · Flag duplicate charges, unbundling, and out-of-network errors
03 · Verify insurance was billed correctly before settlement
04 · Apply for charity care or financial assistance when income qualifies
05 · Negotiate cash-pay or settlement rate against fair-price benchmarks
06 · Set up an interest-free payment plan if a lump sum is out of reach
CASE STUDY
Anatomy of a medical negotiation.
- Original
- $8,400
- Settled
- $1,890
- Saved
- $6,510 (77%)
Day 1 · 2:14 PM
User submits an $8,400 ER bill from St. Mary's.
Day 1 · 2:31 PM
Mumm flags three line items as likely errors: a duplicate IV, an out-of-network radiologist, and an unbundled lab charge.
Day 1 · 3:47 PM
Calls billing department. Maria confirms duplicate IV; agrees to remove $620.
Day 2 · 9:10 AM
Sends formal letter contesting the radiologist charge. Provides member's in-network plan documents.
Day 4 · 11:22 AM
Hospital reverses the radiologist line: -$1,840.
Day 6
Charity care application submitted on behalf of user (income qualified).
Day 18
Hospital approves charity-care discount: 60% reduction on remaining balance.
Day 19
Settlement at $1,890. User approves. Mumm pays the hospital.
WHAT YOU DON'T HAVE TO DO
Mumm handles every step you used to dread.
You used to have to
- Read every CPT code on a 12-page itemized bill
- Argue with billing reps over duplicate charges
- Track down a charity-care application you didn't know existed
- Wait on hold to switch a payment plan
With Mumm, you
- Forward the bill and walk away
- Get a transcript of every call we placed
- See errors flagged before settlement
- Approve the final number in one click
DETAILS