Your guard against medical billing errors

Stop overpaying on medical bills. We've got your back.

Insured Guard reviews your Explanation of Benefits and medical bills to catch overcharges, billing errors, and insurance miscalculations, so you never pay more than you should.

HIPAA compliantState & federal compliantNo medical jargon

Explanation of Benefits

BlueCross BlueShield · Claim #84921

2 issues found

Office visit (99213)$180.00 ✓

Lab panel, billed twice$340.00 ⚑

Deductible not applied$215.00 ✗

Your potential savings$555.00

Insured Guard detected an issue

Lab code 80053 was billed twice. Your payer's policy only allows one panel per visit. We'll help you dispute this charge.

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

$740

Average Saved

the average amount Insured Guard has saved each of our current clients

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.

Connect your insurance

Securely connect your insurance. We pull in your coverage and claims automatically. No manual data entry needed.

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.

See what you overpaid

We surface billing discrepancies and the money you overpaid, with a clear breakdown of what you actually owe.

What we check

Every angle of your bill, covered

From coding errors to deductible miscalculations, we leave no charge unchecked.

Payer policy compliance

We verify each charge follows your specific insurance plan's published coverage rules and billing guidelines.

Deductible & out-of-pocket accuracy

We make sure every eligible charge is correctly counted toward your deductible and annual out-of-pocket maximum.

Duplicate & upcoded charges

We flag services billed more than once, or coded at a higher complexity level than the care you actually received.

State & federal regulation review

We cross-reference your bill with applicable laws, including no-surprise billing rules and balance billing protections.

Ready to find out how much you've been overcharged?

Upload your EOB or medical bill and get a free audit in minutes. No medical background needed.

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