Resolve

What Resolve does

Resolve Advocates, Inc. is a direct-to-consumer medical bill negotiation service that helps US residents reduce or eliminate medical debt. Founded around 2019-2020 and headquartered in Hanover, New Hampshire (incorporated in Delaware), the company operates primarily through its website resolvemedicalbills.com and serves individual consumers with medical bills ranging from under $5,000 to over $250,000. Resolve's core offering pairs customers with dedicated advocates who audit hospital bills for errors, negotiate with providers and insurers, file insurance appeals, and apply for financial aid programs. The company reports an average savings of 60% on medical bills, a 90% success rate (9 out of 10 patients achieve savings), and cumulative customer savings of $55.2 million to date.

Resolve's underlying technology is its proprietary Resolution System, described as a data-driven platform that analyzes medical bills to identify errors, inflated prices, and negotiation opportunities. The system supports advocate workflows by surfacing savings strategies customized to each client's situation. The company also offers Easy File, a self-serve financial aid filing option, and a Medical Debt Guide educational resource. Distribution occurs through a self-serve online questionnaire intake, phone consultations, scheduled video consultations, and a developing B2B partnership channel targeting ICHRAs, employers, and debt management companies.

The business model is a success-based fee structure with tiered pricing: a $250 deposit plus 25% success fee for bills $5,000-$15,000, a $499 deposit plus 10% success fee for bills $15,000-$200,000, and negotiated rates of 10% or less for bills exceeding $200,000. If no savings are found, the service is free. Resolve has raised approximately $3.6M in total funding, including a $3.3M seed round led by AlleyCorp in July 2022, and operates with 11-50 distributed employees. The company is led by CEO and founder Braden Pan and has earned media coverage in Forbes, The Wall Street Journal, NPR, and BuzzFeed, plus a 4.9 Google customer rating.

Name

Resolve

Legal name

Resolve Advocates, Inc.

Website

https://resolvemedicalbills.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Resolve is a direct-to-consumer medical bill negotiation service that audits and negotiates hospital bill reductions for US consumers. Using a proprietary Resolution System and dedicated advocates, the company charges a percentage of savings achieved, averaging 60% bill reduction.

Ownership category

akta.pro rank

Product category

Medical Bill Advocacy Services

NAICS

Other Individual and Family Services (624190), Social Assistance (624)

SIC

Services-Health Services (8000)

akta.pro primary industry

Patient Financial Engagement (Estimates, Billing Presentment, Payments) (HLACAEAI)

akta.pro secondary industries

Collections & Creditor Negotiation Support (Debtor-Side) (FSAEAFAI), Debt Settlement & Negotiation Services (FSAEAFAC), Denials Management & Appeals (HLACACAH)

Keywords

• Medical bill negotiation
• Patient advocacy services
• Healthcare billing review
• Medical debt relief
• Insurance appeal assistance

Headquarters

HQ city

Hanover

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Medical Bill Negotiation Services: Success-based fee model where Resolve charges a percentage of the savings achieved for clients. If no savings are found, the service is free. Includes concierge negotiation with dedicated advocate and self-serve financial aid filing options.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Resolve is a direct-to-consumer medical bill negotiation and patient advocacy service that audits hospital and medical bills for errors, negotiates with healthcare providers and insurance carriers, files insurance appeals, and applies for hospital financial aid on behalf of US consumers to reduce or eliminate what they owe. The service is delivered by dedicated advocates supported by a proprietary Resolution System, and is sold under a success-based fee structure where customers pay a percentage of savings only if savings are achieved. A self-serve Easy File option is also offered for customers who want help completing hospital financial aid applications.

Product overview

Resolve offers a unified medical bill negotiation service with two service tiers: Concierge Negotiation (full-service advocacy with a dedicated advocate who audits bills for errors, negotiates with providers and insurers, files insurance appeals, and applies for financial aid) and Easy File (self-serve financial aid application support). The proprietary Resolution System powers advocate work by identifying errors and savings opportunities. Additional modules cover insurance appeals and financial aid assistance. The company also provides free educational resources including a Medical Debt Guide. All services are backed by a money-back guarantee if no savings are found.

Differentiator

Problem solved

Functional benefit

Products and services

• Concierge Negotiation Full-service medical bill negotiation in which customers are paired with a dedicated Resolve Advocate who reviews bills for errors, negotiates with hospitals and insurance companies, files insurance appeals, and applies for financial aid. Customers pay an upfront deposit plus a 10–25% success fee on savings found; if no savings are achieved the service is free. Targeted at US consumers with hospital, ER, or other large medical bills who want hands-off negotiation.
• Easy File (Self-Serve Financial Aid Filing) Flat-fee self-serve option for individuals who want structured support filing hospital financial assistance applications themselves, without full advocate representation. Designed for US consumers who prefer to do the paperwork with Resolve's tools and templates rather than engage a dedicated advocate.
• Insurance Appeals Service Service in which Resolve advocates review a customer's insurance policy and Explanation of Benefits (EOB) statements to identify wrongly denied claims and handle the appeals process to reinstate coverage or reduce out-of-pocket costs. For US consumers whose insurance carrier has denied a claim or refused coverage.
• Financial Aid Assistance Service in which Resolve advocates identify hospital financial assistance, charity care, and similar programs for which a customer may qualify based on income and circumstances, and submit applications on the customer's behalf. Aimed at US consumers whose hospital bills could be reduced or eliminated through financial aid eligibility.

Quantifiable outcome

• Average 60% savings on medical bills
• +3 more outcomes

Named customers9 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered minor.

• Debt Management CompaniesminorChannel Partner/ Reseller/ DistributorPartnership with companies that help customers manage credit card, student loan, or other non-medical debts. Resolve plugs in as an offering to expand partners' service capabilities to include medical bill resolution.
• ICHRAs (Individual Coverage HRAs)minorChannel Partner/ Reseller/ DistributorCompanies offering Individual Coverage HRAs to employees can partner with Resolve to provide medical bill resolution services as an additional benefit to their workforce.
• Employers and OrganizationsminorChannel Partner/ Reseller/ DistributorOrganizations looking to extend medical benefits to members or employees can partner with Resolve to offer medical bill resolution services as part of their benefit package.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Medliminal: Medliminal provides medical bill review, negotiation, and savings services to patients and self-insured employers. Its dual D2C and employer-channel go-to-market overlaps directly with Resolve's Concierge Negotiation and B2B partnership strategy.
• BillFixers: BillFixers negotiates medical bills for consumers on a contingency-fee basis, charging a percentage of savings. The pricing model, target customer, and advocacy workflow closely mirror Resolve's core service.
• CoPatient: CoPatient is a direct competitor that audits and negotiates medical bills on behalf of consumers using a similar advocate-driven model. It targets the same individual consumer segment with success-based pricing, making it the most comparable direct peer to Resolve.

Broad incumbents

• Health Advocate: Health Advocate is a larger, established player offering a broad portfolio of healthcare advocacy, billing, and navigation services to employers and individuals. It overlaps with Resolve on medical-bill negotiation but operates at significantly larger scale and broader scope.
• Patient Advocate Foundation: Patient Advocate Foundation provides case-management and billing/insurance assistance to patients, particularly those with chronic or serious illnesses. It serves a similar end-customer need and overlaps with Resolve's insurance-appeals and financial-aid services.

Others

• Money Management International: Money Management International is a non-profit credit counseling organization that helps consumers resolve debt, including medical bills. It overlaps with Resolve's mission of helping consumers reduce medical debt through creditor engagement.
• GreenPath Financial Wellness: GreenPath is a non-profit credit counseling agency that helps consumers manage debt and negotiate with creditors. It targets a similar financially stressed consumer and is comparable through its debt-resolution focus, including assistance with medical debt.
• National Debt Relief: National Debt Relief is a large debt-settlement firm that negotiates unsecured debts such as credit cards and medical bills. It is comparable as a creditor-negotiation service targeting distressed consumers, though it is not specialized in medical billing.
• Freedom Debt Relief: Freedom Debt Relief negotiates settlements with creditors, including medical debt, on a contingency-fee basis. Its consumer-debt-negotiation model and customer profile are adjacent to Resolve, though medical bills are a subset of its broader practice.

Emerging players

• Goodbill: Goodbill works with self-insured employers and patients to identify overcharges and reduce hospital bills, often integrating with benefits programs. It is comparable through its shared focus on bill-line-item auditing and savings, but emphasizes an employer-channel-first model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/resolvemedbills
• Facebookfacebook.com/resolvemedbills
• LinkedInlinkedin.com/company/resolvemedicalbills
• Instagraminstagram.com/resolvemedicalbills
• TikToktiktok.com/@resolvemedicalbills

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Resolve