We help people pay only what they actually owe.
Insured Guard reads your insurance statements and your provider bills, puts them side by side, and shows you exactly where they disagree.
A healthcare system where every bill is accurate, every charge is explained, and no one pays more than they owe.
Medical billing should be as clear and verifiable as any other financial transaction. Today, patients are asked to pay before they can see what their plan covered, and the burden of catching mistakes falls on the people least equipped to find them.
We are building the independent layer that changes this: technology that reconciles every bill against the claim and the coverage behind it, automatically and in plain language. Our goal is simple. When a bill arrives, you should know it is right before you pay it.
Two sets of records. Nobody comparing them.
Your insurer keeps one record of your care. Each provider keeps another. Neither shows you the other's, and the bill often arrives before the explanation of what your plan actually covered.
That gap is where overcharges, duplicate bills and unclaimed refunds hide. Most people never find them, not because they aren't looking, but because the paperwork was never designed to be read side by side.
We built Insured Guard to close that gap.
From a pile of paperwork to a clear answer
Bring everything together
Connect your insurer or upload your documents: bills, receipts, statements and the explanations of benefits from your insurer. We sort out what each one is.
Match and check
We match every bill to the insurance claim it belongs to, then check the numbers against your own plan: copays, coinsurance, deductibles and out-of-pocket limits.
Show you the answer
You see what you actually owe, where you were overcharged, and a ready-to-send message for your provider or insurer when something needs fixing.
The principles behind the product
On your side
We are independent. We do not work for insurers or providers, and our only job is to make sure you pay what you owe, and nothing more.
Private by design
Your information is encrypted and used only to review your coverage and bills. We never sell your data, and you can delete it at any time.
Honest about our limits
Every finding points back to your own documents so you can verify it yourself, and we tell you plainly what we can and cannot check.
Plain language
Health insurance is full of jargon. We explain every result in clear, everyday words, so you know what happened and what to do next.
Questions, partnerships or press?
We'd like to hear from you. A real person reads every message.