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100% Free. 100% Private. Your data never leaves your browser.

Stop overpaying on every bill.
Veto errors in 30 seconds.

Upload or paste any bill — hospital, receipt, paycheck, loan statement, or restaurant tab. BillVeto auto-detects the type, checks every number against official rates, and generates a dispute letter if something's wrong.

No sign-up. No account. No data collection. Everything runs in your browser.

Drop your bill here, or tap to upload

Photo, PDF, or text file — up to 20 MB

PDFPhotoTextCSV

On mobile? Tap above to take a photo of your bill with your camera.

Tips for best results with photos
  • ✓ Lay the bill flat on a well-lit surface
  • ✓ Make sure all text is in focus and not blurry
  • ✓ Avoid shadows and glare across the text
  • ✓ Include the entire bill in the frame
  • ✓ For multi-page bills, upload one page at a time or paste the full text

BillVeto auto-detects what you paste — medical bill, receipt, paystub, or loan statement — and runs every applicable check.

Your data stays in your browser. Nothing is uploaded, stored, or sent anywhere.

How It Works

Three steps. Under a minute. Completely free.

1

Paste or Upload Your Bill

Take a photo, upload a PDF, or paste the text. Works with medical bills, receipts, paystubs, loan statements, and restaurant tabs.

2

Instant Analysis

BillVeto auto-detects your bill type and checks every number — CPT codes, sales tax, paycheck deductions, loan math, and tip arithmetic — against official published rates.

3

Get Your Dispute Letter

Download a professional dispute letter citing specific errors, legal references, and fair-market rates. Send it to your provider and save money.

Insurance Payment Verification

BillVeto also works with your Explanation of Benefits (EOB). Make sure your insurance company is paying what they owe.

What BillVeto Checks

  • ✓Allowed amounts vs. billed amounts — Verifies your insurer's allowed amount is reasonable compared to fair market rates
  • ✓Patient responsibility accuracy — Checks that your co-pay, co-insurance, and deductible charges are calculated correctly
  • ✓Denied claims that should be covered — Flags services that are commonly covered but were denied
  • ✓Out-of-network surprise billing — Identifies potential No Surprises Act violations
  • ✓Preventive care billing errors — ACA-mandated preventive services must be covered at no cost. We flag any charges for these.

Your Rights

  • ◆No Surprises Act (2022) — Protects you from surprise bills for emergency services and out-of-network providers at in-network facilities
  • ◆Right to appeal denied claims — All insurers must offer internal and external appeal processes reviewed by independent third parties
  • ◆Itemized bill requirement — Providers must give you an itemized statement within 30 days of request
  • ◆Good Faith Estimate — Uninsured/self-pay patients have the right to a cost estimate before treatment
  • ◆ACA preventive care — Certain screenings, vaccines, and wellness visits must be covered at $0 cost-sharing
$220B
U.S. medical debt
80%
of bills contain errors
100M+
Americans affected
$0
cost to use BillVeto
Architectural Privacy Guarantee

Your bill never leaves your device. Period.

BillVeto runs entirely in your web browser. There is no server. There is no database. We never see, store, transmit, or process your medical information. This isn't a privacy policy — it's a technical architecture. There is physically no way for us to access your data.

Frequently Asked Questions

Is this really free?

Yes, completely free — forever. No account, no credit card, no hidden fees. BillVeto runs in your browser, so we have no server costs. There is nothing to charge you for.

How accurate is the audit?

BillVeto checks against a database of 250+ CPT/HCPCS codes with rates sourced from the CMS Medicare Physician Fee Schedule (2024-2025). It reliably catches duplicates, above-market pricing (2.5x+ fair rate), CCI bundling violations, and common upcoding patterns. For complex clinical disputes, we recommend consulting a medical billing advocate.

Is my bill data private?

Your bill is analyzed entirely in your browser. It is never sent to a server, never stored, and never seen by anyone — including us. There is no database. There are no cookies or tracking. This is a technical guarantee, not just a policy.

Does the dispute letter actually work?

Studies show that 40% of people who challenge billing errors get reductions, and 76% who formally report errors get them corrected (CFPB). A professional dispute letter citing specific CPT codes, Medicare rates, and legal references significantly improves your odds.

Can I use this for my insurance EOB too?

Yes. Paste your Explanation of Benefits (EOB) text and BillVeto will check the billed amounts, allowed amounts, and your patient responsibility for accuracy. It can help identify denied claims that should be covered and charges that violate the No Surprises Act.

What if my bill doesn't have CPT codes?

Request an itemized bill from your provider — they are legally required to provide one within 30 days. An itemized bill with CPT codes gives BillVeto the most to work with.

How do the rates stay up to date?

CMS publishes updated Medicare fee schedules every year as public data. Our rate database is updated annually from this official source. The current database reflects 2024-2025 national averages.

What if BillVeto makes a mistake?

Our audit is conservative — we only flag charges clearly above fair market rates (2.5x+) or matching known error patterns. Every finding includes the CPT code, Medicare rate, and source so you can verify. If you find an error, email us and we'll correct it within 24 hours.

Need Help?

Questions about your audit, need help with your dispute, or just want to talk to a real person? Joe is here to help.

J
Joe
Customer Support
joe@billveto.com
Audit Questions

Help understanding your results or what the errors mean

Dispute Support

Guidance on sending your letter, next steps, and follow-up

General Help

Anything else — we typically respond within 24 hours

General inquiries: support@billveto.com

Keep BillVeto Free for Everyone

BillVeto is a one-person project built to help people fight unfair bills. There are no ads, no data collection, and no premium tier. Domain, hosting, and development time are covered out-of-pocket. If BillVeto saved you money or time, a small contribution helps keep it running and improving for others.

Buy Me a Coffee

No pressure — BillVeto will always be free whether you donate or not.