For anyone holding a medical bill that doesn't make sense
Clear your throat.
Clear your bill.
On HealthCare.gov plans, fewer than 1 in 100 denied claims get appealed. Most people never say a word. Ahem is the word: it reads your bill, flags what doesn't add up, and drafts the letter. You sign it. You send it. You don't need to know any of the rules yet.
Your bills stay private. No ad trackers. Delete everything any time.
In-network ACA Marketplace claims denied and appealed, 2024 (KFF, Mar 2026). “Know appeal” = share who know about external review (KFF). US medical debt: KFF analysis of Census data. Sources on the rights page.
Try the first check now. Two numbers, ten seconds.
Quick check · bill vs EOB
Two numbers from your papers. Nothing is saved.
The problem isn't that you're careless.
Bills are written in codes on purpose. Even families with full insurance get crushed. My mom did.
The system counts on you giving up.
About 1 in 5 Marketplace claims gets denied. Fewer than 1% get appealed. Most charity care goes unclaimed.
Follow-through wins.
Most bill fights are won by whoever keeps showing up on time with the right paper. Ahem keeps the clock for you.
How Ahem works
Every bill can be questioned. We show you how, one step at a time.
1 · Snap it
Photo or PDF of the bill, the EOB, any letters. Ahem reads every line and tells you what each one means.
2 · See the flags
Duplicates, extra room days, charges after discharge, a bill that doesn't match your EOB. Each flag shows the rule behind it and the dollars at stake.
3 · Make the move
Ahem drafts the exact letter. You read it, edit it, sign it, and send it. Nothing goes out without you.
4 · Never miss a deadline
Every clock is tracked. Ahem nudges you, drafts the follow-up when they go quiet, and suggests the next rung when it's time.
Your rights, in plain English
Eight rules most people never hear about. Ahem uses all of them.
Ask for the itemized bill
See every line · Ask right away. Don't pay first.
Your medical records (HIPAA)
30-day clock · 30 days from your request
No Surprises Act
No surprise bills · Dispute within 120 days of the bill (uninsured / self-pay)
Appeal a denial
Then outside review · Use the deadline on your denial letter (often 180 days)
Charity care (nonprofit hospitals)
240-day window · Apply within 240 days of the first bill after discharge
Hospital price transparency
Their own price list · Any time
Medical debt + credit reports
Free to check · 1-year grace before reporting
Collectors must validate
Prove it first · Within the validation period on their first notice
Why I built this
“My mom had full insurance and still went through all of it. The calls, the codes, the letters nobody explains. Ahem is the tool I wish we'd had.”
Dalton Goodyear · Sheridan, Wyoming · founder of The Goodyear Foundation
1-for-1
Every paid Posse plan will give a free Posse plan to a family facing chronic illness, referred through The Goodyear Foundation. Ahem pays for it, not the Foundation.
How it worksQuestions
Straight answers.
Do I need to know anything about insurance?
No. Ahem assumes you don't. Every screen explains the why, and the rights guide answers the rest in plain English.
Is this advice from a professional?
No. Ahem is a self-help tool. It explains your rights and drafts letters you review, edit and sign yourself. For lawsuits or complex disputes, talk to a professional.
What if I have full insurance?
Then start here. Most problems with insured bills are mismatches between the bill and your insurer's EOB, denials nobody appealed, or out-of-network surprises.
Will this hurt my credit?
No. Ahem explains the credit bureau medical-debt rules and helps you dispute errors for free. We never charge for credit disputes.
Is my data safe?
Bills are stored privately and only you (and people you invite) can see them. No ad pixels, no selling data. Delete it all with one button.
What does it cost?
The scan and every rights guide are free during the friends-and-family launch. The Giant Slayer Toolkit and the Posse family plan are coming; join the list and you'll hear first.