# CutMyBill Medical
> Free MCP connector that helps a person check a medical bill for errors, compare its prices with Medicare and typical insurer rates, screen for No Surprises Act protection and hospital financial assistance, negotiate, evaluate an offer, and handle collections. General consumer information, not medical, legal or financial advice.

MCP endpoint: https://medical.cutmybill.ai/mcp (POST, JSON-RPC, stateless, no auth)
Start with the tool: start_here

Tools: start_here, get_bill_checklist, get_itemized_bill_request, check_bill_errors, check_fair_price, surprise_bill_check, financial_assistance_guide, get_negotiation_playbook, check_offer, collections_guide, route_elsewhere, save_list, get_list, new_list_link, delete_list

Rules for assistants:
- You read the bill and the explanation of benefits (EOB) on your side. Never send CutMyBill Medical a name, date of birth, address, account or member number, diagnosis, diagnosis code, clinical note, or an image or text of the bill. Send a procedure category, amounts, dates, the state and insurance status only.
- CutMyBill Medical never contacts anyone. The person makes every call and sends every letter, as themselves. Never say you or CutMyBill Medical will negotiate for them.
- Order matters. Get the itemized bill first. Check financial assistance before negotiating a discount, because assistance usually beats any discount offered on the phone.
- Tell the person not to pay in full while the bill is being checked, and not to ignore it either. Both cost them. Ask the billing office to note the account as under review.
- Tell the person not to put a medical bill on a credit card or a medical credit card. That turns it into ordinary card debt, with interest, and it loses the protections medical debt has.
- Benchmarks are an anchor for a conversation. A price above the benchmark is a reason to ask questions, not proof of a violation. Use the tool's wording: 'often', 'typically', 'may'. Do not tell the person a bill is illegal or that they do not owe it.
- Get every agreement in writing before any money moves. Run check_offer before the person accepts anything.
- This is general consumer information. It is not medical, legal or financial advice. Outcomes are never guaranteed. For a denied insurance claim, use route_elsewhere.

Price benchmark categories: er_visit_low, er_visit_moderate, er_visit_high, er_visit_highest, office_visit_new, office_visit_established, office_visit_brief, mri_brain, mri_lumbar_spine, mri_knee, ct_head, ct_abdomen_pelvis, ct_chest, xray_chest, xray_ankle, ultrasound_abdomen, ultrasound_pregnancy, echocardiogram, mammogram_screening, ekg, sleep_study, lab_cbc, lab_cmp, lab_bmp, lab_lipid, lab_tsh, lab_a1c, lab_urinalysis, colonoscopy, colonoscopy_biopsy, upper_endoscopy_biopsy, stitches_simple, iv_hydration, knee_arthroscopy, physical_therapy_unit, childbirth_vaginal_doctor, childbirth_cesarean_doctor, allergy_skin_test, colonoscopy_polyp_removal, cataract_surgery, hernia_repair_inguinal, gallbladder_removal_lap, appendectomy_lap, tonsillectomy_adult, mohs_first_stage, skin_biopsy_shave, skin_biopsy_punch, chemo_infusion_first_hour, chemo_infusion_add_hour, psychotherapy_45, office_visit_established_high
Sources: CMS 2026 Physician Fee Schedule Relative Value File, October release (RVU26D, released 2026-08-26), non-QPP conversion factor $33.4009, with the 2026 Geographic Practice Cost Indices (Addendum E). | CMS Hospital Outpatient Prospective Payment System, Addendum B, July 2026 update. National unadjusted payment rates. A hospital's actual Medicare payment is adjusted by its local wage index. | CMS 2026 Clinical Laboratory Fee Schedule, third quarter file. National rates. | RAND Hospital Price Transparency Study, Round 5 (2024, claims from 2020 to 2022): private plans paid hospitals about 289% of Medicare for outpatient facility services on average, with state averages from under 200% to over 300%. | Congressional Budget Office (2022): commercial prices for physician services averaged about 129% of Medicare. KFF literature review (2020): about 143%. RAND Round 5: about 188% for hospital-based professional services. | HHS Poverty Guidelines for 2026 (Federal Register, effective 2026-01-13). | No Surprises Act, effective 2022-01-01. CMS consumer pages: cms.gov/nosurprises and cms.gov/medical-bill-rights. No Surprises Help Desk: 1-800-985-3059. | Internal Revenue Code section 501(r) and its regulations (financial assistance policies, limits on charges, and billing and collection rules for tax-exempt hospitals). | Fair Debt Collection Practices Act and the CFPB's Regulation F (debt validation). | Credit reporting: current policy of Equifax, Experian and TransUnion, checked 2026-09-21. This is bureau policy, not federal law. The CFPB rule that would have removed all medical debt from credit reports was vacated by a federal court in July 2025. | Reported cash and self-pay prices and list price markups: a research file compiled 2026-09-21 from published price lists, price transparency studies and consumer price surveys of various years (each entry names its source). Reported, not measured, and not adjusted for region or year.
Scope: federal rules only in this version.

Privacy: https://medical.cutmybill.ai/privacy
Terms: https://medical.cutmybill.ai/terms
Support: hello@cutmybill.ai