How we negotiate medical bills.

When a user uploads a hospital bill, the first thing Mumm does is ignore the total. The total is wrong about half the time. The line items are where the work is.

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

Roughly a quarter of the bills we see were never billed correctly to insurance. Fixing that one mistake often eliminates the balance entirely. We do this before opening a settlement conversation — the worst outcome is settling at 50% of an amount that should have been zero.

03 · Apply for charity care if eligible

Almost every nonprofit hospital has a financial-assistance program. Almost every patient is eligible for some level of relief if they fall under the right income threshold. Almost no patients apply because the paperwork is brutal. We apply on the user's behalf when they qualify.

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.