| Dimension | Resolve | ClaroBill |
|---|---|---|
| Primary purpose | Debt negotiation | Error detection |
| When to use | After bill is final | Before paying anything |
| Finds specific billing errors | Not primary focus | Yes — line-by-line audit |
| Dispute letter | No | Yes, with citations |
| Handles accounts in collections | Yes | No |
| Works on overdue accounts | Yes | Best before account ages |
| Free to start | Varies by product | Yes — analysis always free |
| Speed | Days to weeks | Minutes |
What Resolve does
Resolve Medical Debt (YC W19) focuses on negotiating medical debt, typically for accounts that are already past due or in collections. Their service is positioned around making medical bills manageable through negotiated settlements, payment plans, and charity care enrollment.
Resolve is valuable when you have a final bill you cannot pay in full and need someone to negotiate with the provider on your behalf. It does not identify line-by-line billing errors or generate dispute letters.
What ClaroBill does
ClaroBill analyzes the itemized bill itself, looking for errors in the charges before a dollar is paid. If a charge is a duplicate, incorrect, or overpriced, ClaroBill flags it with a specific citation and generates the dispute letter. This happens before the bill reaches final status.
ClaroBill does not negotiate debt, work with collections agencies, or handle accounts that have been sent to collections. For that situation, see our guide to medical billing advocates, some of whom specialize in collections-stage disputes.
Frequently asked questions
What is the difference between Resolve Medical Debt and ClaroBill?
Resolve (YC W19) focuses on negotiating down the total amount of existing medical debt, often working with providers to settle accounts for less than the full balance. ClaroBill focuses on identifying billing errors in your itemized bill and generating dispute letters to correct those specific errors. Resolve is debt negotiation; ClaroBill is error detection.
Should I use Resolve or ClaroBill first?
Use ClaroBill first. If your bill contains errors, disputing those errors before negotiating the balance means you are negotiating from a corrected starting point, not an inflated one. Once the bill is accurate, if the total is still unaffordable, debt negotiation services become relevant.
Can I use both Resolve and ClaroBill?
Yes. They address different problems. ClaroBill finds errors in the bill itself. Resolve negotiates the total balance. Using ClaroBill first ensures that any debt negotiation starts from an accurate balance rather than one inflated by billing errors.