AI-Powered Bill Defense

Your medical bills
have errors.
We find them.

MedGuard's AI auditor scans your medical bills against hospitals' own federally published pricing data to detect overcharges, upcoding, and phantom charges — then generates everything you need to fight back.

Get Early Access See How It Works

$2,150

Avg. Savings Per Bill

1.48M

Hospital Price Records

Error Types Detected

ER Visit — Memorial Regional

3 Errors Found

Amount Billed $8,420

Hospital's Own Published Rate $5,180

You're Being Overcharged $3,240

Upcoding: 99285 billed, visit supports 99283

Duplicate: IV supply kit charged twice

Price inflation: Facility fee $2,100 vs published $1,340

$9,710

YTD Savings Found

The Problem

Medical billing is broken.
You're paying for it.

Hospitals are required by federal law to publish their prices. Most patients never see this data. We built an AI that does.

80%

of medical bills contain errors

According to Medical Billing Advocates of America, the vast majority of hospital bills have at least one billing mistake.

$210B

wasted annually on billing errors

The U.S. healthcare system loses over $210 billion per year to unnecessary billing complexity and errors.

<1%

of patients ever dispute a bill

Most people don't know they can fight back, don't have the data, or don't know where to start. MedGuard changes that.

How It Works

Three steps to stop overpaying

Upload a bill, get an instant AI audit, and fight back with the hospital's own data.

Upload Your Bill

Snap a photo, upload a PDF, paste text, or connect your insurance for automatic monitoring. We accept bills from any provider.

Takes 30 seconds

AI Audits Every Line

Our AI cross-references every charge against the hospital's own CMS-filed pricing data and checks for 5 types of billing errors: upcoding, duplicates, unbundling, phantom charges, and price inflation.

Results in ~15 seconds

Fight Back — or We Do

Get a ready-to-send dispute letter, phone call script, and escalation plan — all citing the hospital's own published rates. Or let our AI agent call the hospital for you.

Average savings: $2,150

What We Detect

Five error types. Zero tolerance.

MedGuard's AI checks every line item against hospital pricing data, clinical documentation standards, and CMS billing rules.

Upcoding Detection

Catches when a hospital bills a higher-complexity E/M code than the visit documentation supports. Example: billing a Level 5 ER visit (99285) for a 15-minute visit that warrants Level 3 (99283).

Duplicate Billing

Identifies when the same procedure, supply, or medication is charged more than once on the same date of service. A surprisingly common “mistake” in hospital billing systems.

Unbundling Violations

Detects when hospitals split bundled procedures into separate charges in violation of NCCI (National Correct Coding Initiative) edits. This inflates the bill by billing components individually instead of as a package.

Phantom Charges

Flags line items that have no supporting clinical documentation — charges for services, supplies, or procedures that appear inconsistent with the visit type and diagnosis.

Chargemaster Price Inflation

The compliance lever. Since January 2021, hospitals are federally required to publish their negotiated rates for every service (45 CFR Part 180). MedGuard downloads and parses these Machine-Readable Files (MRFs) to compare what you were billed against what the hospital itself filed with CMS for your specific payer and plan. When a hospital charges you $412 for a service they filed at $187, we catch it — and cite their own data in the dispute.

Pricing

Plans that pay for themselves

The average American family spends $6,000+ on out-of-pocket medical costs per year. Even one caught error covers the annual subscription.

Free

Try it out

3 bill audits per year
All 5 error type checks
Bill Health Score
Self-service dispute templates

Powered by the hospital's own numbers

MedGuard doesn't guess. We use federally mandated hospital pricing files, CMS billing codes, and NCCI edit rules to build an airtight case.

1.48M

Hospital pricing records loaded

10,684

Unique CPT codes indexed

Payers with negotiated rates

HIPAA

Compliant architecture

Your medical billshave errors.We find them.

Medical billing is broken.You're paying for it.