Starter
$0
Free forever
Start with no commitment. No credit card required.
- 2 analyses per month
- Access to billing dispute and insurance appeal tools
- All VA analyze tools
- 1 saved plan profile
- 30-day analysis history
No surprises.
7-day free trial on Member and Family. No credit card required.
Most Popular
Member
$99
per year
or $15/month
Unlimited analyses. Full platform access. One flat fee.
- Unlimited analyses
- All analysis tools
- All VA analyze tools
- Claims ledger with 1-year history
- Denial pattern tracking
- Coverage Calendar
- Healthcare Finance Report
- Up to 3 saved plan profiles
- Payment Plan Generator
- PDF and email delivery
- Reminders and Healthcare Calendar
Family
$199
per year
or $29/month
Up to 4 members. Each with their own private account. Owner manages billing only.
- Everything in Member
- Up to 4 family members
- Each member has a private dashboard
- Individual privacy, analyses never shared
- Parents on separate plans supported
Questions? Visit our full FAQ or contact us.
Annual billing saves $81 on Member and $149 on Family versus paying monthly.
Pay once. Use all year. No monthly billing.
Compare plans
| Feature | Starter | Member + Family |
|---|---|---|
| ANALYSES AND TOOLS | ||
| Monthly analyses limit | 2/month | Unlimited |
| Billing dispute and insurance appeal tools | Yes | Yes |
| Additional civilian tools (Member tier) | No | Yes |
| Health Insurance Plan Comparison | No | Yes |
| Free VA analyze tools | Free | Free |
| Payment Plan Generator | No | Yes |
| PLATFORM FEATURES | ||
| Claims ledger | Basic | Full 1-year history |
| Denial pattern tracking | No | Yes |
| Coverage Calendar | No | Yes |
| Healthcare Finance Report | No | Yes |
| HSA Expense Tracker | No | Yes |
| Plan profiles | 1 | 3 |
| Reminders and Calendar | No | Yes |
| PDF and email delivery | No | Yes |
| FAMILY | ||
| Family members | 1 | Up to 4 (Family plan) |
| Private member accounts | No | Yes (Family plan) |
| HISTORY AND DATA | ||
| Analysis history | 30 days | 1 year |
| Claims history | 30 days | 1 year |
Member Benefit
Your Healthcare Finance Report, delivered every January.
Total billed, total saved, disputes resolved, and HSA expenses tracked, all in one report. Members also receive a mid-year check-in every July. This is the only platform that builds your complete healthcare financial picture automatically.
All VA analyze tools, including the PACT Act Benefits Screener, VA Disability Rating Explainer, Military Retirement Coordinator, Survivor Benefits Explainer, VR&E Navigator, MST Resources Guide, and more, are included at no cost for every user at every tier. No subscription required. No usage limits. This will never change.
Explore VA ToolsPricing questions
Can I try Bill Advantage before paying?
Yes. Every new account gets 7 days of full Member access with no credit card required. After the trial, you move to the free Starter plan automatically, no charge, no cancellation needed.
What happens after my trial ends?
Your account moves to the free Starter plan. You keep access to billing dispute and insurance appeal tools and all VA analyze tools at no cost, with 2 analyses per month. Upgrade to Member anytime to restore unlimited access.
Can I cancel anytime?
Yes. Cancel from your Account page at any time. Monthly plans end at the close of the billing period. Annual plans are not prorated but you retain access through the end of the paid year.
Is the annual plan worth it?
If you use Bill Advantage more than once a month, yes. The annual Member plan is $99, about seven months at the monthly Member rate. You save $81 compared to paying month by month. The annual Family plan is $199 and saves $149 compared to paying month by month.
How does the Family plan work?
The Family plan covers up to 4 members. The account owner manages billing. Each member gets their own private dashboard, analyses and documents are never shared between members without consent. Members on different insurance plans are fully supported.
Are VA tools really free?
Yes. All VA analyze tools are included at no cost for every user at every tier, with no monthly usage limits. This is a non-negotiable commitment that will never change. Veterans pay nothing for these tools.
Start with no commitment.
7 days free. Then $0 forever on Starter, or from $99/year on Member.
Your documents are analyzed and immediately discarded. We never store your medical records.