Your questions, answered.

It depends on the provider and the type of bill. Some negotiations move as quickly as a few days, others take longer like a few weeks. We keep you updated as your case moves.

That's a temporary hold to confirm your card when you set up a negotiation. It isn't a fee, and it drops off.

It helps us monitor your bills more proactively but no. You can start by uploading a bill and connect your insurance later for a fuller review.

1. Connect your insurance or upload a bill. 2. Set your negotiation preferences and confirm your card with a $1 hold. 3. We review the bill, dispute any errors, and negotiate what you owe. 4. Once there's a negotiated amount to settle, we pay your provider, then charge your card for that amount plus our fee.

Upload any medical bill and Granted checks for errors, overcharges and negotiates lower rates on your behalf. Our 10% success fee applies only if we save you money.

If we can successfully negotiate your bill within your set negotiation preferences, your card will be charged for the bill amount and the Granted 10% fee. As part of negotiating, we can pay your provider directly when that locks in a lower price. You're still responsible for the cost, so we charge that negotiated amount back to your card along with our fee. We don't cover bills or make them disappear.

Granted can help with any medical bill Hospital and office visit bills, dental, vision, mental health, fertility care, physical therapy, prescriptions, lab and imaging charges, and denied or underpaid insurance claims. We can review any medical bill and if necessary, help you negotiate it.

No. We don't replace your insurance or pay your premiums. We work on the bills you already have, to make sure the charges are right and to lower what you owe where we can.

The Granted platform is free to use. Connecting your insurance, getting an expert bill review, and more are free. Granted charges a 10% fee, capped at $300 only on successful bill negotiations. If we don't save you money, Granted is free.

Granted is your personal healthcare advocate. Connect your insurance or upload a bill, and we review every charge, dispute billing errors, appeal denied claims, negotiate what you owe, and check whether you qualify for income based discounts. Free to start. You only pay a 10% fee based on your savings.

Create a free account, connect your insurance or upload a bill, and we take it from there.

Then you owe us nothing. Our fee only applies when we actually save you money.

You may qualify for income based discounts. If you do, we help you get them and there's no fee for that work. We check eligibility for each bill when we review it, so it can depend on the provider and the bill.

Two things: a fee capped at $100 instead of our standard cap, and a $50 credit toward your fee on your first case. The credit comes off what you'd owe us, so your first case costs even less.

Once we finish negotiating, we pay your provider and then charge your card automatically for the negotiated bill amount plus our fee. You authorize this up front when you set your negotiation preferences, so there's no separate step at the end.

Creating an account, opening a case, and linking your insurance are free. For Mesquite ISD employees, if we lower a bill, our fee is 10% of what we saved you, capped at $100. If we don't save you money, you owe us nothing.

This is offered through your Dallas ISD benefits, so your fee is capped lower and your first case includes a credit.

It depends on the provider and the type of bill. Some negotiations move as quickly as a few days, others take longer like a few weeks. We keep you updated as your case moves.

That's a temporary hold to confirm your card when you set up a negotiation. It isn't a fee, and it drops off.

It helps us monitor your bills more proactively but no. You can start by uploading a bill and connect your insurance later for a fuller review.

1. Connect your insurance or upload a bill. 2. Set your negotiation preferences and confirm your card with a $1 hold. 3. We review the bill, dispute any errors, and negotiate what you owe. 4. Once there's a negotiated amount to settle, we pay your provider, then charge your card for that amount plus our fee.

Upload or connect a cable, phone, or insurance bill. Rocket Money negotiates lower rates on your behalf. A success‑based fee applies only if we save you money.

If we can successfully negotiate your bill within your set negotiation preferences, your card will be charged for the bill amount and the Granted 10% fee. As part of negotiating, we can pay your provider directly when that locks in a lower price. You're still responsible for the cost, so we charge that negotiated amount back to your card along with our fee. We don't cover bills or make them disappear.

Granted can help with any medical bill Hospital and office visit bills, dental, vision, mental health, fertility care, physical therapy, prescriptions, lab and imaging charges, and denied or underpaid insurance claims. We can review any medical bill and if necessary, help you negotiate it.

No. We don't replace your insurance or pay your premiums. We work on the bills you already have, to make sure the charges are right and to lower what you owe where we can.

The Granted platform is free to use. Connecting your insurance, getting an expert bill review, and more are free. Granted charges a 10% fee, capped at $300 only on successful bill negotiations. If we save you $1500.

Granted is your personal healthcare advocate. Connect your insurance or upload a bill, and we review every charge, dispute billing errors, appeal denied claims, negotiate what you owe, and check whether you qualify for income based discounts. Free to start. You only pay a 10% fee based on your savings.

Create a free account, connect your insurance or upload a bill, and we take it from there.

Then you owe us nothing. Our fee only applies when we actually save you money.

You may qualify for income based discounts. If you do, we help you get them and there's no fee for that work. We check eligibility for each bill when we review it, so it can depend on the provider and the bill.

Two things: a fee capped at $100 instead of our standard cap, and a $50 credit toward your fee on your first case. The credit comes off what you'd owe us, so your first case costs even less.

Once we finish negotiating, we pay your provider and then charge your card automatically for the negotiated bill amount plus our fee. You authorize this up front when you set your negotiation preferences, so there's no separate step at the end.

Creating an account, opening a case, and linking your insurance are free. For [School District] employees, if we lower a bill, our fee is 10% of what we saved you, capped at $100. If we don't save you money, you owe us nothing.

This is offered through your Mesquite ISD benefits, so your fee is capped lower and your first case includes a credit.

Only internal employees who need access to help you, or to keep things running.

No. We use AI to help you navigate your bills, but your data never leaves your account to train a 3rd party Model.

AI reviews your bills and documents to identify errors, understand insurance processing, and flag potential issues before next steps are taken.

Granted is HIPAA-aligned and follows strict standards for handling and protecting your data.

No — we do not sell your health data.

Yes. You can request account and data deletion at any time, and disconnect your insurance accounts whenever you choose.

Your bill is reviewed by Granted’s systems and, when needed, a healthcare advocate working on your case. Access is limited and controlled.

If you are not selected, you keep your advocate and we keep working your bill if you so choose. Disputing errors, appealing denials, and applying for income based discounts cost nothing upfront. You are charged only if we lower your bill, and only after you see and approve the 10% fee. Who sees your bill: Granted's team, under a standard HIPAA release, the same as any other member. We are HIPAA aligned and secured. Your district or employer does not see any of it. We do not tell your district, your principal, or your benefits office that you entered, and they do not see your bill or your income.

Granted is paying off medical bills for Texas school employees. You enter by uploading a medical bill and finishing our income based discount form. Entries open August 31, 2026 and close September 12, 2026 at 11:59 p.m. Central. From the complete entries, Granted selects up to 10 finalists against the criteria published on this page. Finalists send income verification and tax documents. From that group, Granted selects up to two recipients negotiates the bill down and pays the remaining balance in full, direct to the provider. This is not a sweepstakes. There is no random drawing, no purchase, and no payment of any kind. Selection is based on published criteria. Finalists do not have to pay the Granted fee.

Any bill from a Texas provider, dated within 9 months of the date of service, with a balance over $300. Dental, vision, and lab bills from Texas providers count. A few specifics: Already in collections? Still eligible. Already paid part of it? Still eligible. We work the remaining balance. No paper bill? Connect your insurance or your patient portal instead. We connect with 1,300+ plans and portals. More than one bill? You can upload as many as you like.

Two steps, about ten minutes: 1. Upload your medical bill. A photo of the paper bill works. 2. Finish the income based discount form. It asks for your household income, your family size, and where you work. Both steps have to be done. Incomplete entries are not reviewed, and we cannot review a bill without the form or a form without a bill

Only if we lower your bill, and only after you see and approve the 10% fee.

Six things have to be true: You live in Texas and you are 18 or older. You work for a Texas school or school district. Teachers, aides, counselors, nurses, bus drivers, cafeteria and custodial staff, campus and district office staff. Full time or part time. Your bill is dated within 9 months of the date of service. It is not a Medicaid bill, and you are not currently enrolled in Medicaid. Your income can be verified. Finalists share pay stubs or equivalent, plus tax documents. Your entry is complete, meaning both the bill and the finished form. You do not need to be a Granted member already. Entering creates your account. You do not need insurance either, as long as you meet the criteria above. There is no income limit to ent

Granted reviews every complete entry against the criteria published on this page and selects up to 10 finalists. Finalists are contacted by email on September 14.

Granted's team, under a standard HIPAA release, the same as any other member.

Yes. We're HIPAA aligned and secured.