Terms of Service
These Terms of Service ("Terms") govern your use of the Recovered website and medical bill review and negotiation service ("Service") operated by Recovered ("we," "us," or "our"). By using our Service, you agree to these Terms.
1. Description of Service
Recovered provides medical bill review and negotiation services. We review medical bills submitted by patients ("Clients") to identify potential billing errors, overcharges, and coding mistakes. Where errors or overcharges are identified, we may draft dispute letters and negotiate with hospitals, healthcare providers, and billing departments on your behalf.
Our Service includes:
- Line-by-line review of itemised medical bills and CPT/HCPCS codes
- Cross-referencing charges against Medicare reimbursement rates, FAIR Health benchmarks, and published hospital chargemasters
- Identification of duplicate charges, upcoding, unbundling, phantom charges, and inflated pricing
- Verification of insurance Explanation of Benefits (EOB) calculations
- Drafting and sending dispute letters to hospitals and providers
- Direct negotiation with hospital billing departments
- Financial hardship and charity care applications where applicable
2. What Recovered Is Not
Recovered is not a law firm, medical practice, insurance company, or licensed healthcare provider. We do not provide legal advice, medical advice, tax advice, or insurance advice. Our service is limited to medical bill review and negotiation.
We are not a "covered entity" or "business associate" under HIPAA. However, we voluntarily adopt security practices consistent with HIPAA's principles.
If your situation involves potential medical malpractice, insurance fraud, or requires legal representation, we recommend consulting a qualified attorney.
3. Pricing and Payment
Contingency model: Our primary pricing model is contingency-based. You pay 25% of the total amount we save you. If we review your bill and are unable to reduce it or achieve any savings, you owe us nothing.
How savings are calculated: "Savings" means the difference between the amount you were originally billed (or the patient responsibility amount on your EOB) and the final amount you owe after our negotiation or dispute is resolved. This includes reductions from coding corrections, price adjustments, financial hardship discounts, and any other reductions we negotiate on your behalf.
When payment is due: Our fee becomes due after the hospital or provider has confirmed the bill reduction in writing. We will send you an invoice with a detailed breakdown of the original amount, the reduced amount, the savings achieved, and our 25% fee. Payment is due within 14 days of invoice.
Payment method: We accept payment via Stripe (credit card, debit card). Payment links will be provided with your invoice.
Disputes about our fee: If you disagree with our calculation of savings, contact us and we will review it together. We are committed to transparent pricing.
4. Your Responsibilities
To use our Service, you agree to:
- Provide accurate and complete information about yourself, your medical bills, and your insurance coverage
- Provide your actual medical bills, EOBs, and related documents — not fabricated or altered versions
- Respond to our communications in a timely manner, as delays may affect the outcome of negotiations
- Not use our Service for any illegal purpose or to file fraudulent claims
- Inform us promptly if you make any payments to the hospital or provider while we are negotiating on your behalf, or if you receive any new bills or communications related to the account we are working on
- Not engage in separate negotiations with the hospital on the same bill while we are actively working on it, unless we agree otherwise
5. Authorisation to Act on Your Behalf
By engaging our Service for bill negotiation, you authorise Recovered to:
- Contact hospitals, healthcare providers, and billing departments on your behalf
- Request itemised bills, medical records, and billing documentation on your behalf
- Submit dispute letters, appeals, and financial hardship applications on your behalf
- Discuss your account, charges, and billing details with provider billing staff
We may ask you to sign a separate authorisation letter for specific providers who require written patient consent before discussing account details with a third party. We will provide the template.
You may revoke this authorisation at any time by notifying us in writing. If you revoke authorisation during an active negotiation, we will cease all activity on your behalf. Any savings achieved prior to revocation remain subject to our fee.
6. No Guarantee of Results
We cannot guarantee any specific outcome, savings amount, or result. Medical bill negotiation outcomes depend on many factors outside our control, including hospital policies, insurer determinations, coding review outcomes, and financial assistance program eligibility.
We commit to reviewing your bill thoroughly, identifying all potential errors and overcharges, and pursuing every reasonable avenue for reduction. However, not every bill contains errors, not every hospital agrees to reduce charges, and not every negotiation succeeds.
Our contingency pricing model reflects this reality: you only pay if we achieve measurable savings.
7. Accuracy of Our Analysis
Our bill reviews are conducted using a combination of AI-assisted analysis and human verification. Every finding is reviewed by a billing specialist before it is submitted to a hospital or provider.
While we strive for accuracy, medical billing is complex and subject to interpretation. Coding rules, insurer contracts, and hospital policies vary. Our analysis represents our professional assessment based on publicly available coding standards (CPT, NCCI, CMS guidelines) and pricing benchmarks (Medicare Fee Schedule, FAIR Health). It is possible that a hospital or insurer may disagree with our assessment.
We do not guarantee that every issue we identify constitutes a definitive billing error. We identify charges that appear incorrect, excessive, or inconsistent with coding standards and benchmarks, and we advocate on your behalf to resolve them.
8. Limitation of Liability
To the maximum extent permitted by law:
- Recovered is not liable for any indirect, incidental, consequential, or punitive damages arising from your use of our Service
- Our total liability to you for any claim arising from our Service shall not exceed the amount of fees you paid to us in the 12 months preceding the claim
- We are not liable for delays or failures caused by hospitals, providers, insurers, or other third parties
- We are not liable for any actions taken by hospitals or providers in response to our dispute letters or negotiations, including but not limited to sending accounts to collections
We will always inform you of any risks we are aware of before taking action on your behalf, including the possibility that disputing a bill may affect payment deadlines or collection timelines. We recommend requesting a billing hold or payment plan while disputes are pending.
9. Termination
By you: You may terminate our Service at any time by notifying us in writing (email is sufficient). If savings have already been achieved at the time of termination, our contingency fee on those savings remains due.
By us: We may decline or discontinue working on a case if we determine in good faith that: the bill does not contain actionable errors or overcharges; the case involves potential fraud or illegal activity; you have provided false or misleading information; or continued negotiation is unlikely to achieve results.
In any case where we terminate, you owe nothing unless savings have already been confirmed.
10. Intellectual Property
All content on the Recovered website — including text, design, graphics, logos, and code — is owned by Recovered and protected by applicable intellectual property laws. You may not copy, reproduce, or distribute our content without permission.
Documents we create for you (dispute letters, reports, analysis) are provided for your personal use in resolving your medical bills. You may share them with hospitals, providers, insurers, and your personal advisors.
11. Third-Party Services
Our Service uses third-party tools including Formspree (form processing), Stripe (payment processing), and Netlify (website hosting). Your use of these tools is subject to their respective terms of service and privacy policies. We are not responsible for the practices of these third parties.
12. Governing Law
These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles. Any dispute arising from these Terms or our Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, unless both parties agree to resolve the dispute in court.
13. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
14. Changes to These Terms
We may update these Terms from time to time. Material changes will be communicated by updating the "Last updated" date at the top of this page. Continued use of our Service after changes constitutes acceptance of the updated Terms.
15. Contact
Questions about these Terms? Contact us at:
Email: [email protected]