Medical bill help
Medical bill too high? Luca negotiates it down.
Send us the bill. We get the itemized charges, strip out duplicates and errors, apply for financial assistance where you qualify, and negotiate what's left.
No app. No password. Free until Luca saves you money.
By signing up you agree to receive emails from Luca about the savings we find for you. Reply STOP anytime to opt out. Referral and feature messages are sent only if you opt in separately.
"Luca saved me $564 on auto insurance in 48 hours. I didn't do anything."
What you get back
Your bills, your refunds and your unused stuff, handled end to end. You're copied on every email we send.
Save
- Insurance downSame policy, lower price. Every discount you qualify for, applied.
- Medical bills negotiatedDuplicate charges removed, billing errors fixed, assistance programs applied.
- Internet and phone loweredSame speed, same service, the rate new customers get.
- Subscriptions cancelledStop paying for the ones you forgot about, with refunds claimed where they're due.
Earn
- Sell what you don't useSnap a photo. We write the listing, post it and book a local buyer. You keep 100%.
- Cashback optimizedEvery rebate and cashback offer in your inbox, claimed before it expires.
Recover
- Bank fees reversedOverdraft and maintenance fees, asked back.
- Flight refundsCancelled flight? Cash back, not a voucher.
- Money held in your nameOld deposits and refunds sitting with the state, found and claimed.
- Price-drop refundsBought it, then the price fell? The difference comes back to you.
How it works
No app. No login. No password. Three texts and you're done.
Tap Get started
Enter your email and your one-tap setup link arrives in seconds.
Add Luca to your email
Set up a filter once that forwards only your bills to Luca, so we never see the rest of your inbox. On Gmail you can connect in one tap instead, and we'll also check your last 90 days.
Reply YES
See what we found and how sure we are. Say yes and we take it from there. Your phone buzzes when the money is back.
Pricing
$19 / month
If we don't save you at least $19, you don't pay. Your card is only charged once we've verified a saving of $19 or more.
- One flat price. No success fee, and no cut of what you save.
- Give a friend $19 in credit. You get $19 when they save for the first time, and another $19 when they pass $100.
Your data and your accounts
We work for you alone. No commissions from the companies we negotiate with.
Only your bills
We keep bills, renewals and receipts. Never your password.
No card up front
Nothing to pay until you've saved at least $19.
Copied on everything
You're copied on every email we send a provider.
Your policy stays yours
We negotiate the price of what you already have. We don't sell insurance or change your coverage.
Text LOG anytime
See everything we've done for you.
Text DELETE anytime
Your bills and history, erased for good.
Savings Circles for households
Bring the people you live with. Once two or more of you join, everyone gets $10 off the same month. Save $5,000 together and everyone gets a month free.
Frequently asked questions
Text HELP anytime for the full list of commands.
Are you allowed to talk to my insurer or hospital?
Yes. When you reply YES, you authorize us to contact the provider as your representative about the price of your existing account. If a billing office asks for a signed form, we send it to you.
What if you don't find a saving?
You don't pay. Your plan starts only after we've saved you at least $19.
Will you switch my insurance or change my coverage?
No. We negotiate the price of the policy you already have. Coverage decisions stay with you.
How does selling something work?
Send a photo. We write the listing and post it locally. A buyer books a meetup with a refundable deposit, sees the item and pays you directly. You keep 100% of the price.
Which bills does Luca work on first?
Your auto insurance renewal and any unpaid medical bill. That's where one request most often brings the price down.
Can Luca look at bills I already have?
Yes, on Gmail. Connect it with one tap and Luca checks your last 90 days, then spots new bills as they arrive. It's read-only, keeps only bills, renewals and receipts, and you can disconnect anytime. On other email, new bills reach Luca through a forwarding filter you set up once.
Do I have to give Luca access to my inbox?
No. If you'd rather not connect Gmail, set up a filter once that forwards only bills, renewals and receipts to Luca. Luca never sees the rest of your inbox. The setup page walks you through it in about two minutes on a laptop, and you can also forward any single bill yourself.
Do I need to install anything?
No. Everything happens by text, and you can reply by email too.
How much does Luca cost?
$19 a month, with no success fee and no cut of what you save. If we don't save you at least $19, you don't pay.
How do I stop?
Text CANCEL, STOP or DELETE. That's it.