Stop overpaying on medical bills.
We've got your back.
Insured Guard reviews your Explanation of Benefits and medical bills to catch possible overcharges, billing errors, and insurance miscalculations, so you can spot charges worth questioning before you pay.
Hi there, I'm Vera, an AI assistant and your health billing advocate. I check your medical bills against your insurance and tell you when something looks worth a second look. I'd love to help!
Explanation of Benefits
BlueCross BlueShield · Claim #84921
Office visit (99213)$180.00 ✓
Lab panel, appears twice$340.00 ⚑
Deductible may not be applied$215.00 ✗
Possible savings$555.00
Vera spotted an issue
Lab code 80053 appears twice on the same visit. That may be a duplicate. I can draft a note asking the lab to check it.
43%
Suspected a Billing Error
of U.S. adults got a medical or dental bill they believed had an error in the past 5 yearsSource: KFF Health Care Debt Survey, 2022
67%
Disputes Resolved
of people with medical debt who disputed a billing error got it resolvedSource: KFF Health Care Debt Survey, 2022
38.5%
Problematic Bills Go Unchallenged
Nearly 4 in 10 people with a medical bill they disagreed with or couldn't afford never contacted the billing officeSource: JAMA Health Forum, 2024
How it works
Three steps to a fair bill
You shouldn't need a law degree to understand your medical bill.
1
Connect your insurance
Securely connect your insurance. We pull in your coverage and claims automatically. No manual data entry needed.
"Who insures you? Sign in with me, or just send me your card and benefits summary. Either way works!"2
Add your bills
Upload your medical bills, invoices, and receipts, PDFs or photos. We match each one to the right claim and check it against your plan.
"Got them, thank you! I'm reading them now and I'll tell you the moment they're done."3
See what may be off
We surface possible billing discrepancies and money you may have overpaid, with the figures side by side so you can check them.
"Good news! I found something worth a closer look. Want me to walk you through it?"Meet Vera
Your own billing advocate, right in the chat
Vera guides you from the first step to the last. She asks for one thing at a time, reads your paperwork, and explains what she finds in plain words.
Setup in a couple of minutes
Sign in to your insurer, or send your insurance card and benefits summary. Vera takes it from there, one simple step at a time.
She reads every bill
Drop in bills, receipts and EOBs. Vera matches each one to the right claim and checks it against your plan.
Ask her anything
What is a deductible? Why was this denied? Vera answers in plain words, no medical jargon.
Works while you're away
Leave anytime. Vera keeps working in the background and picks up right where you left off.
What we check
Every angle of your bill, covered
From coding errors to deductible miscalculations, we leave no charge unchecked.
Payer policy compliance
We compare each charge with your plan's published coverage rules and flag what looks off.
Deductible & out-of-pocket accuracy
We check whether eligible charges look correctly counted toward your deductible and out-of-pocket maximum.
Duplicate and unusual charges
We flag services that appear more than once, or codes that look higher than the visit on your bill suggests.
Billing protections to know about
We point out when a bill may touch rules like surprise billing protections, so you know what to ask about. This is information, not legal advice.
Ready to see if anything on your bills looks off?
Upload your EOB or medical bill and get a free review in minutes. No medical background needed.
Get started freeVera will be right there to say hi and guide you.Encrypted in transit and at restYour data is never soldNo medical jargon
Hi, I'm Vera