Billow Helps New Parents

Your Afterbirth Essential: Navigating Medical Bills with Confidence

By Billow Team6 min read

Becoming a parent is one of life's most rewarding experiences—but it comes with a host of challenges. Between sleepless nights, endless diaper changes, and adjusting to life with a new baby, medical bills often feel like an unwelcome and overwhelming addition to the mix.

That's where Billow comes in. Just like swaddles, bottles, and baby monitors, Billow is an afterbirth essential that helps new parents feel supported and in control. With AI-driven tools and personalized insights, Billow ensures you don't have to navigate confusing medical bills alone. We help you understand exactly what you're paying for, spot errors, and save money—so you can focus on what matters most: your family.

"Billow is your financial advocate, helping you turn confusing bills into clarity and savings—so you can focus on your new arrival."

Why New Parents Need Billow

  • Sky-High Delivery Costs: Hospital bills for childbirth can quickly reach tens of thousands of dollars. Even with insurance, parents are often left wondering why their share is so high.
  • NICU and Unexpected Costs: For families whose newborns need time in the NICU, bills can skyrocket even higher. Many parents are unaware of what their insurance covers, leaving them blindsided by charges they didn't anticipate.
  • Complex Billing Statements: Hospitals and insurance companies often send bills filled with jargon and confusing codes, making it hard to understand what you're being charged for—or why.
  • Feeling Alone in the Process: Medical bills are often isolating—many parents feel they have no one to turn to for help or advice. Without proper guidance, they may end up overpaying or missing critical details.

How to Ask for an Itemized Bill

One of the first steps in managing your medical bills is to request an itemized bill. This detailed breakdown allows you to see all charges, making it easier to identify potential errors. Here are some examples of how to request a comprehensive itemized bill:

Via Phone

"Hi, I recently received my hospital bill, and I'd like to request an itemized version that includes all services, procedures, and corresponding codes for my visit. Could you please send that to me by email or mail?"

Via Email

"Dear [Billing Department],

I recently received a bill for my hospital stay and would like to request an itemized version that outlines all charges, procedures, and codes. Please let me know if there is anything else you need from me to process this request.

Thank you!"

In Person

"Before I make any payments, I'd like to review a fully itemized version of this bill. Can you provide a breakdown of all services, charges, and codes?"

What to Look for on an Itemized Bill

  • Duplicate Charges: Services or procedures listed more than once.
  • Services You Didn't Receive: Charges for medications, treatments, or tests you didn't get.
  • Incorrect Billing Codes: Codes that don't match the care you received, leading to higher charges.
  • Out-of-Network Fees: Unexpected charges for out-of-network providers you didn't choose.

How Billow Helps You Use Your Itemized Bill

  • Blip Detection: Upload your itemized bill to Billow, and our AI will flag potential errors like duplicate charges, coding issues, and out-of-network fees.
  • Blip Report: We provide a clear, personalized report that explains each flagged charge and offers next steps to address it.
  • Dispute Tools: Use our pre-filled letters and scripts to challenge incorrect charges with confidence.

Pro Tips for Every Family

  • Ask Early: Request an itemized bill as soon as you receive your statement. This avoids late fees and gives you time to review.
  • Don't Pay Until You Understand: Never pay a bill you don't fully understand.
  • Check for Common Errors: Cross-reference billing codes and services with your insurance policy.
  • Use Billow for Support: Let us handle the complex part of analyzing and disputing charges so you can focus on your family.

Take the First Step with Billow

Asking for an itemized bill isn't just a helpful tip—it's the foundation of financial clarity in healthcare. At Billow, we're here to help you use that clarity to save money, reduce stress, and take control of your medical expenses.

Upload Your Itemized Bill