Good Faith Estimate Calculator: Check the $400 Rule
If you're uninsured or self-pay and got a written cost estimate before a scheduled service, enter your numbers below to check instantly whether your final bill crosses the federal $400 dispute threshold.
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Check my full bill — freeFrequently asked
What is the Good Faith Estimate $400 rule?
If an uninsured or self-pay patient's final bill from a provider or facility is $400 or more above the Good Faith Estimate they were given before a scheduled service, they may be eligible to dispute the charge through a federal Patient-Provider Dispute Resolution process.
Is the $400 threshold combined across all my providers?
No. It's calculated per provider or facility, not combined across everyone who billed you for one treatment. A patient billed separately by several providers, each under $400 over their own estimate, may not qualify even if the combined overage is large.
Is this legal advice?
No. This is an informational calculator, not legal or financial advice. Eligibility depends on additional requirements (such as insurance status and filing windows) that can change — verify your specific situation before relying on this.
Want the full walkthrough? Read our complete guide to the Good Faith Estimate dispute process.