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.
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.
- $2,150
- Avg. Savings Per Bill
- 1.48M*
- Hospital Price Records
- 5
- Error Types Detected
*Targets for our Phase 1 production launch - current platform uses CMS reference rates and hospital-published MRFs as available.
Audit Result
ER Visit - Memorial Regional
- 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.
$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.
1
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
2
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.
*Pricing-source verification is a Phase 1 production target; demo audits are AI estimates without verified pricing-source citations.
Results in ~15 seconds
3
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.
*Published-rate citations are targeted for the production audit pipeline as hospital MRF coverage is loaded.
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.
*Pricing-data checks are launch-target behavior; the public demo returns AI estimates without pricing-source verification.
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.
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
Since January 2021, hospitals are federally required to publish negotiated rates for every service (45 CFR Part 180). MedGuard compares what you were billed against what the hospital itself filed with CMS*.
*Production comparison depends on available hospital-published MRF coverage for the bill's facility and service.
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.
Try it out
Free
$0
- 3 bill audits per year
- All 5 error type checks
- Bill Health Score
- Self-service dispute templates
For individuals
Premium
$14.99/mo
Billed monthly
- Unlimited bill audits
- 24/7 claims monitoring
- AI dispute letter generation
- Phone call scripts
- Out-of-pocket tracker
- Escalation plans (AG, CMS)
We fight for you
Pro
$29.99/mo
Billed monthly
- Everything in Premium
- AI agent calls hospitals for you
- Automated follow-up tracking
- Priority dispute resolution
- Financial assistance matching
Whole household
Family
$49.99/mo
Billed monthly
- Everything in Pro
- Up to 6 family members
- Shared OOP tracker
- Consolidated savings dashboard
- Dependent bill management
Savings Calculator
See what you could save
Enter your bill details below. We'll estimate potential errors based on real billing data and hospital pricing patterns.
Estimated impact
- Your bill
- $8,420
- Estimated overcharges
- $2,694
- Likely errors found
- 3
- Potential savings
- $2,290
Estimates based on published error rates from Medical Billing Advocates of America and CMS audit data. Individual results vary.
Get Your Free AuditFree AI Audit
Upload your bill. Get answers in seconds.
Our AI reads your actual bill, estimates hospital pricing-data conflicts*, and identifies likely errors - for free.
*Pricing-source verification is not part of the public demo; it is targeted for the signed-in production audit pipeline.
Try the free audit
AI estimate only - pricing-source verification arrives in the authed audit pipeline.
Built on Real Data
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 target evidence-backed cases.
1.48M*
Hospital pricing records loaded
10,684*
Unique CPT codes indexed
37*
Payers with negotiated rates
HIPAA*
Compliant architecture
*Targets for our Phase 1 production launch - current platform uses CMS reference rates and hospital-published MRFs as available.
Stop overpaying. Start fighting back.
Join the waitlist and be first to know when MedGuard launches. Early access members get 3 months of Premium free.