Terms of Service

Last updated: October 30, 2026

These Terms govern your use of pushbackbills.com and the Pushback service ("Pushback", "we", "us"). By paying for or using the service, you agree to them. If you don't agree, don't use the service.

1. What we do

You send us a health insurance denial letter or a medical bill. We prepare a "case file" for you, which may include:

• a plain-language summary of what the document says;
• a list of deadlines that may apply, such as internal appeal, external review and surprise-billing dispute windows;
• a draft appeal or dispute letter for you to review, edit, sign and send yourself;
• a checklist of documents to request; and
• general information about next steps if your appeal or dispute is refused.

The service is designed for people with health coverage in the United States.

2. What we don't do

• We don't submit anything to your insurer, provider, employer or any agency on your behalf. You decide whether to send the letter, and you send it yourself.
• We don't guarantee any outcome. Insurers and providers make their own decisions.
• We don't check whether your medical treatment is right for you. Talk to your doctor about care decisions.
• Deadlines we list are our best reading of your documents and general rules. Always confirm the exact dates with your insurer or plan documents. You are responsible for meeting every deadline.

3. Your responsibilities

• Send only documents you have the right to share. If they concern another person, you must have their permission.
• Black out Social Security numbers, member and policy ID numbers, and bank or card details before uploading. You can leave in what's needed to understand the case.
• Give accurate information. Our work is only as good as what you send.
• Read and check everything we give you before you use it.
• You must be at least 18 years old.

4. Price, payment and pre-orders

• Each case costs $29 (USD), paid in advance. Payments are processed by our payment provider, Whop; we never see your full card details.
• During pre-order, we accept a limited number of cases and aim to deliver your case file within 48 hours after we receive your documents. If we can't take your case, we refund you in full.

5. Refunds

• Nothing worth disputing: if we review your documents and find nothing we can reasonably help you dispute, we refund you in full.
• We miss the delivery time: if we haven't delivered within 7 days of receiving your documents, you can ask for a full refund.
• Once your case file is delivered, payments are non-refundable, including when your insurer or provider says no. If you think something we delivered is wrong, contact us and we'll correct it.

6. Ownership

The letters and documents we prepare for you are yours to use for your own case. The Pushback name, website and templates remain ours.

7. Limitation of liability

The service is provided "as is". To the fullest extent the law allows, we are not liable for indirect or consequential losses, including any amount your insurer or provider declines to pay, or for missed deadlines. Our total liability for any claim relating to a case is limited to the amount you paid for that case. Nothing in these Terms limits liability that cannot be limited by law.

8. Ending the service

We may refuse or stop working on a case, for example if documents appear to be falsified or the request is outside what we do. If we stop before delivering, we refund you in full.

9. Changes

We may update these Terms. The version that applied when you paid governs that case.

10. Governing law

These Terms are governed by the laws of the United Arab Emirates. If you are a consumer, you also keep any protections the law of your home state gives you that can't be waived by contract.

11. Contact

Questions or complaints: use our contact form.