billradar
DExample case

17 documents

Sheet 11Sheet 22Sheet 33Sheet 44Sheet 55Sheet 66Sheet 77Sheet 88Sheet 99Sheet 1010Sheet 1111Sheet 1212Sheet 1313Sheet 1414 File 1, page 1F1Hospital statement · Daniela Castillo · $1,555.23File 2, page 1F2Itemized bill · Daniela Castillo · $1,555.23File 3, page 1F3Itemized bill · Adrian James Castillo · $0
!Example case — all data is made up.2We read every line
Example case resultrecorded run

Up to $1,596
may come off your bills.

We found possible errors, duplicates and financial help based on 17 documents.

Days and deadlines are counted as of March 2, 2026.

!5 serious !3 worth checking ✓All other items look good

Main findings

3Here is what you may get back
Confirmed

Same service billed twice on sheet 10

Sheet 10, lines 1–2 · Sheet 1, lines 5–6

Code 01960 twice on sheet 10 (lines 1 and 2), same day, same price.

See this line on the sheet
What these lines mean
  • Sheet 10, line 1: Procedure code for anesthesia for a procedure. Charged $4,944.00.
  • Sheet 10, line 2: Procedure code for anesthesia for a procedure. Charged $4,944.00.
  • Sheet 1, line 5: Procedure code for anesthesia for a procedure. Charged $4,944.00. Insurance paid $787.29. $3,959.89 was taken off by contract: nobody owes it. Your share: $196.82. Remark code CDA: its meaning is printed on the back of the statement.
  • Sheet 1, line 6: Procedure code for anesthesia for a procedure. Charged $4,944.00. Insurance paid $787.29. $3,959.89 was taken off by contract: nobody owes it. Your share: $196.82. Remark code CDA: its meaning is printed on the back of the statement.
SAM 3.1recordedMuse SparkrecordedMuse Wonderrecorded
$196.82Potential overcharge
›
Confirmed

You likely qualify for financial assistance

File 1

Household of 3 · income $58,000 · 212.3% of the poverty line. Policy: 201–250% → 90% off.

Your income fits the hospital's financial assistance policy, but no discount is on the bill.

Policy p.11Policy p.326 CFR 1.501(r)-5(a)26 CFR 1.501(r)-6
Muse SparkrecordedMuse Wonderrecorded
$1,399.71May come off
›
Confirmed

Sheet 13 asks two different amounts

Sheet 13

Balance $0, but the coupon asks $719.03. Ask before you pay.

One sheet shows two different amounts to pay. Ask which one is right before paying.

SAM 3.1recordedMuse SparkrecordedMuse Wonderrecorded
Ask before you payTwo amounts on one sheet
›
Confirmed

Page 3 of 4 is missing

Sheet 1 · Sheet 2 · Sheet 3

Missing pages: 3 of 4. Totals may be on them.

SAM 3.1recordedMuse SparkrecordedMuse Wonderrecorded
Ask for the pagesTotals may be on them
›
Confirmed

Send the baby's insurance details to Little Harbor Pediatrics - PA

Sheet 8

Sheet 8 from Little Harbor Pediatrics - PA, dated Jul 6, 2025, asks $27.00 for the baby's care, and no insurance statement in your papers covers the baby. It is 239 days old, so send the baby's insurance details now.

A doctors' office is asking you for the baby's care because no insurance has been matched to the baby yet.

SAM 3.1recordedMuse SparkrecordedMuse Wonderrecorded
Send the baby's insuranceNo statement covers the baby
›
Worth checking

Check the $40.00 credit stays taken off

Sheet 12 · Sheet 13

Sheet 12 shows a $40.00 credit. Sheet 13 of the same account asks $719.03, which looks to include it already. Check that it stays there; it is not counted as money back.

See this line on the sheet

The sum this sheet asks for looks like it already took this credit off, so it is not extra money back.

SAM 3.1recordedMuse SparkrecordedMuse Wonderrecorded
No amount yetCheck it stays taken off
›
Worth checking

Apply by Apr 1, 2026

File 1

12 months after your insurance paid (sheet 4, Apr 1, 2025). First bill after discharge: Apr 5, 2025. The federal minimum is Dec 1, 2025; the hospital's policy gives you until Apr 1, 2026, and the later date counts.

This is the last day to apply for the hospital's financial assistance.

Why it is not confirmed: no paper prints the payment date: this counts from the date of your plan's statement on sheet 4. Check the date with the hospital.

Policy p.5Federal rule26 CFR 1.501(r)-1(b)(3)
Muse SparkrecordedMuse Wonderrecorded
Apr 1, 2026Last day to apply, check it with the hospital
›
Worth checking

Baby's care is billed under mom's insurance

Sheet 2, lines 1–8 · File 3

Newborn care (0170, 99460, 99462) is on mom's insurance ID. 8 lines, $7,400, denied. Ask to bill it under the baby. The baby's bill (file 3) shows an insurance credit no statement explains.

The baby's care was billed under mom's insurance ID, so the plan may have refused it.

Why it is not confirmed: Muse Wonder flagged this on its second look; its notes are in the case data.

What these lines mean
  • Sheet 2, line 1: Procedure code for a doctor's visit or the doctor's daily care in the hospital. Charged $329.00. $329.00 was taken off by contract: nobody owes it. Your share: nothing. Remark code A27: its meaning is printed on the back of the statement.
  • Sheet 2, line 2: Hospital charge for newborn nursery care. Charged $5,818.00. $5,818.00 was taken off by contract: nobody owes it. Your share: nothing. Remark code A27: its meaning is printed on the back of the statement.
  • Sheet 2, line 3: Hospital charge for medicines from the hospital pharmacy. Charged $32.00. $32.00 was taken off by contract: nobody owes it. Your share: nothing. Remark code A27: its meaning is printed on the back of the statement.
  • Sheet 2, line 4: Hospital charge for laboratory tests. Charged $235.00. $235.00 was taken off by contract: nobody owes it. Your share: nothing. Remark code A27: its meaning is printed on the back of the statement.
  • Sheet 2, line 5: A hospital billing category. Charged $248.00. $248.00 was taken off by contract: nobody owes it. Your share: nothing. Remark code A27: its meaning is printed on the back of the statement.
  • Sheet 2, line 6: Hospital charge for laboratory tests. Charged $104.00. $104.00 was taken off by contract: nobody owes it. Your share: nothing. Remark code A27: its meaning is printed on the back of the statement.
  • Sheet 2, line 7: Procedure code for a doctor's visit or the doctor's daily care in the hospital. Charged $278.00. $278.00 was taken off by contract: nobody owes it. Your share: nothing. Remark code A27: its meaning is printed on the back of the statement.
  • Sheet 2, line 8: Procedure code for a doctor's visit or the doctor's daily care in the hospital. Charged $356.00. $356.00 was taken off by contract: nobody owes it. Your share: nothing. Remark code A27: its meaning is printed on the back of the statement.
SAM 3.1recordedMuse SparkrecordedMuse Wonderrecorded
No amount yetAsk to bill it under the baby
›
Checked — no money here

File 3: waiting for insurance

File 3

$1,490.25 is due from insurance, not from you, so nothing comes off it yet. If the plan refuses it, ask for the same help on this bill.

Muse SparkrecordedMuse Wonderrecorded
No issue found
›
Checked — no money here

Doctors' bills are outside the hospital's assistance policy

Sheet 8 · Sheet 9 · Sheet 10 · Sheet 11 · Sheet 14

Cradleview-Obstetrix Medical Group, Little Harbor Pediatrics - PA, Meridian bill separately. This policy covers the hospital and its own doctors only; ask each office whether it has its own help program.

Policy p.5
SAM 3.1recordedMuse SparkrecordedMuse Wonderrecorded
Outside this policy
›

Estimates from the hospital's published policy. The hospital decides. A separate checker re-did every amount and date from the sheets: 9 checked.

What this case cost in model calls

This case
$0.494
All on Muse Spark
$0.414
All on Muse Wonder
$1.575

Same tokens, other price: every text step at Muse Spark's or Muse Wonder's published price. SAM 3.1 and speech have no token price, so they stay what they cost.

Model calls recorded run

  1. Find sheetsSAM 3.1$0.0025
  2. Find sheetsSAM 3.1$0.0025
  3. Find sheetsSAM 3.1$0.0025
  4. Find sheetsSAM 3.1$0.0025
  5. Find sheetsSAM 3.1$0.0025
  6. Find sheetsSAM 3.1$0.0025
  7. Find sheetsSAM 3.1$0.0025
  8. Read every sheetMuse Spark$0.1360
  9. Read every sheet againMuse Spark$0.1382
  10. Read a sheet a third timeMuse Spark$0.0249
  11. Read a sheet a third timeMuse Spark$0.0160
  12. Read a sheet a third timeMuse Spark$0.0127
  13. Read a sheet a third timeMuse Spark$0.0131
  14. Read a sheet a third timeMuse Spark$0.0112
  15. Read every sheetMuse Spark$0.0168
  16. Second read of the caseMuse Wonder$0.1080

16 calls · $0.494

Receipt: 16 model calls, $0.494 when this run was live
StepModelCallsTokensSecondsCost
Find sheetsSAM 3.170–$0.018
Read every sheetMuse Spark283,939–$0.153
Read every sheet againMuse Spark177,418–$0.138
Read a sheet a third timeMuse Spark532,939–$0.078
Second read of the caseMuse Wonder115,022–$0.108

Amounts and dates are counted by code, never by a model. This page replays a recorded run: the costs are what that run cost, the seconds were not recorded.

Your protections

2

Answers about your bill in 7 business days

A Florida hospital must answer a question about your bill within 7 business days, and show the records behind the bill within 10 business days.

The hospital is licensed in Florida.

Fla. Stat. 395.301(4), (5)Florida Statutes 395.301
3

At least 240 days to apply for financial assistance

A nonprofit hospital must accept your application for financial assistance for at least 240 days after the first bill after you left the hospital.

The hospital is a nonprofit 501(c)(3) hospital.

Apply at least until: Dec 1, 2025 (passed), the federal minimum. The hospital's policy gives you until Apr 1, 2026, and the later date counts. Check the date with the hospital.
26 CFR 1.501(r)-1(b)(3)
4

Money back if you are approved

If you are approved for financial assistance, the hospital must refund what you already paid above your new amount, and undo collection actions.

The hospital is a nonprofit 501(c)(3) hospital.

26 CFR 1.501(r)-6(c)(6)26 CFR 1.501(r)-6
5

No more than insured patients pay

If you qualify for financial assistance, a nonprofit hospital cannot charge you more than it generally bills people who have insurance (AGB).

The hospital is a nonprofit 501(c)(3) hospital.

26 CFR 1.501(r)-5(a)
6

No collections for 120 days, and written notice first

A nonprofit hospital cannot send you to collections, report you to credit bureaus or sue for at least 120 days after the first bill, and must warn you in writing at least 30 days before.

The hospital is a nonprofit 501(c)(3) hospital.

No collections before: Aug 3, 2025 (passed)
26 CFR 1.501(r)-6(c)(3), (4)26 CFR 1.501(r)-6
7

Collections stop while your application is reviewed

Once you apply for financial assistance in time, the hospital and its collectors must pause collection actions until it decides.

The hospital is a nonprofit 501(c)(3) hospital.

26 CFR 1.501(r)-6(c)(8)
8

No denial for a document the form never asked for

The hospital cannot deny financial assistance because you did not send a document that its policy or form does not list.

The hospital is a nonprofit 501(c)(3) hospital.

26 CFR 1.501(r)-4(b)(3)(i)
9

3 years to sue over a hospital debt

In Florida, a lawsuit to collect a hospital debt must be filed within 3 years from when the hospital sent the debt to collections.

The hospital is licensed in Florida.

Fla. Stat. 95.11(4)
10

Out-of-network specialists at an in-network hospital

At an in-network hospital, an out-of-network anesthesiologist, neonatologist, pathologist or radiologist can bill you only your in-network share. You cannot sign this protection away.

Applies if a doctor at the hospital was out of network.

45 CFR 149.420
11

Emergency care at in-network prices

For emergency care, an out-of-network hospital or doctor can bill you only your in-network share.

Applies to emergency care.

45 CFR 149.410
1 more protection checked: not for this case, or for other states
13

Without insurance: an estimate first, and a dispute if the bill is $400 over

Without insurance you can ask for a good faith estimate before care. If the bill is at least $400 more than the estimate, you can dispute it within 120 days of the bill.

Only for care without insurance.

45 CFR 149.610, 149.62045 CFR 149.62045 CFR 149.620

Outside Florida the federal protections above still apply. Rules on itemized bills, answers about a bill and collection lawsuits differ by state: look up your state's hospital billing law.

How this case was checked

Checked against the hospital's current public policy. How BillRadar finds a hospital's own policy →

  1. 1
    Found every sheet14 sheets on the photos
    SAM 3.1recorded
  2. 2
    Hid namesNames and account numbers covered before upload
    On your computer
  3. 3
    Read and connected all sheets17 documents into one case (3 digital)
    Muse Sparkrecorded
  4. 4
    Checked every quote and amount9 items re-done from the sheets
    Code checker
  5. 5
    Second look, read-onlyMuse Wonder reviewed 9 items: 7 confirmed, 1 flagged, 1 it could not check from the papers
    Muse Wonderrecorded

Notes

After a call, record a voice note on the call cheat sheet: who you spoke with, the reference number, what they promised. Muse Voice Transcribe writes it down, and it lands here.