Frequently Asked Questions

The simplest answer is everyone! Our service is relevant regardless of the size of your bill, your insurance status, state of residency, employment status, or any other factor. We aim to help anyone facing the complexities of the healthcare system.

After you provide the necessary information and documents, we leverage cutting-edge AI technology and our expertise to analyze your case and bill from multiple angles. We'll then give you an assessment of the potential to reduce your bill. At this point, you'll be asked to pay only if you choose to receive our full report. This report is your guide to challenging your bill, detailing all the possible reductions we’ve identified, along with step-by-step instructions, including specific actions, contact details, relevant links, etc.

This is a difficult question to answer, as each case is unique and the range of possible reductions varies. On average, most cases see a reduction of 30%-50% from the original bill, with some cases exceeding 90%. It's important to note that higher bills and greater financial hardship often increase the chances of achieving a significant reduction.

The healthcare industry is a $4.5 trillion giant, but even it has its weak points. There are ways to lower your bill for medical services that have already been provided, and that’s where we come in. While our methods are confidential, we can share that we employ proven strategies that require expertise in medicine, health insurance, and healthcare systems.

We understand that sharing personal and medical information might feel uncomfortable. However, every piece of information we request is essential to different aspects of our process and helps us to maximize your savings. For instance, access to your Patient Portal allows us to fully understand your medical situation and the care you've received. If you prefer not to share certain information, that's perfectly fine; we can start with just your bill (and EOB, if insured). However, please note that this may limit our ability to help you. Rest assured, all the information you provide is used solely to the benefit your savings. We will never share personal and identifiable information with any third party without your consent!

If you have any concerns, we’re here to address them. Please feel free to contact us directly for more information!

For most users, we charge 20% of what we save you - and only if we save you money. No savings? No charge. There’s no upfront payment, and everything is clearly explained in our Terms of Use.

If you were invited to Octi through your employer, your pricing may be even lower. In many cases, the success fee is reduced - or fully covered by your employer.

Once we have all the necessary information (we may occasionally request additional details after your initial submission), it typically takes up to 7 days to complete the full report, often sooner. Please note that some cases may take longer, and we can only begin our work after receiving all the required information.

A lot - and in many cases, everything.

If you give us the proper authorizations, we can handle the entire process for you from start to finish. That includes:

• Retrieving the right documents from your patient and insurance portals (so you don’t have to dig through piles of paperwork)

• Speaking directly with your healthcare provider and insurance company

• Negotiating reductions, identifying billing issues, and applying for financial aid where applicable

Once we have what we need, you can step back - and we’ll come back with a reduced bill, without you having to lift a finger.

There are a few exceptions depending on provider policies, but in most cases, we can act fully on your behalf and take the stress off your shoulders.

Unfortunately, at this time, we cannot assist with bills that have already been paid or sent to collections. We hope to offer these services in the future. Please contact immediately after you receive your bill for any future medical services.