Medical Debt Navigator
Understand your options, find relief pathways, and create a personalized action plan for managing medical bills.
Step 1: Your Medical Bills
Tell us about your current medical bill situation.
Approximate total amount of medical bills
Select amount range
Under $2,500
$2,500 - $5,000
$5,000 - $10,000
$10,000 - $25,000
$25,000 - $50,000
Over $50,000
How many separate bills do you have?
Select
1
2-3
4-6
7 or more
What types of care generated these bills? (select all that apply)
How old is your oldest unpaid bill?
Select
Less than 6 months
6-12 months
1-2 years
2-3 years
Over 3 years
Have any of your bills been sent to a collection agency?
Select
Yes
No
Not sure
Step 2: Insurance & Coverage
Tell us about your insurance situation when you received care.
What was your insurance status when you received care?
Select
Commercial/Employer Insurance
Medicare
Medicaid
Uninsured
Multiple Types
Were insurance claims filed for these services?
Select
Yes, all services
Some services
No claims filed
Not sure
What state do you live in?
Select your state
Alabama Alaska Arizona Arkansas
California Colorado Connecticut Delaware
Florida Georgia Hawaii Idaho
Illinois Indiana Iowa Kansas
Kentucky Louisiana Maine Maryland
Massachusetts Michigan Minnesota Mississippi
Missouri Montana Nebraska Nevada
New Hampshire New Jersey New Mexico New York
North Carolina North Dakota Ohio Oklahoma
Oregon Pennsylvania Rhode Island South Carolina
South Dakota Tennessee Texas Utah
Vermont Virginia Washington West Virginia
Wisconsin Wyoming District of Columbia
What type of facility provided most of your care?
Select
Nonprofit Hospital
For-Profit Hospital
Doctor's Office/Clinic
Outpatient Surgery Center
Not sure
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Step 3: Household & Income
This information helps determine eligibility for financial assistance programs. We do not store any of this data.
Household size (including yourself)
Select
1 person
2 people
3 people
4 people
5 people
6 people
7 people
8 or more people
Approximate annual household income (before taxes)
We use the midpoint of your selected range to estimate eligibility.
Select income range
Under $20,000
$20,000 - $40,000
$40,000 - $60,000
$60,000 - $80,000
$80,000 - $100,000
Over $100,000
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Step 4: Current Situation
Help us understand what you're experiencing and what you've already tried.
Have you experienced any of the following? (select all that apply)
Have you already tried any of these? (select all that apply)
What is your primary concern?
Anything else we should know? (optional)
Maximum 2,000 characters
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Generate My Action Plan
Your Personalized Action Plan
This plan is for educational purposes only. It is not legal, financial, or medical advice. Consult a professional before making decisions.
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Medical Disclaimer: This tool provides educational information only and does not constitute medical advice, diagnosis, or treatment. Always consult a qualified healthcare provider.
This tool uses AI (Claude by Anthropic). Your data is processed in real-time and not stored . View our AI Safety Standard
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