Stop Overpaying on
Medical Bills

Absolutely. Disputing medical bills is your legal right under federal and state consumer protection laws. The No Surprises Act, Fair Debt Collection Practices Act, and state consumer protection statutes all protect patients who challenge billing errors. BillGuard simply helps you exercise those rights more effectively.

Our pricing benchmarks come directly from the CMS 2026 Medicare Physician Fee Schedule and Clinical Laboratory Fee Schedule — the same government data used by insurance companies and billing advocates. We compare nearly 10,000 procedure codes against official Medicare rates. Medicare is the baseline — commercial insurance typically pays 1.5–2.5x these amounts — so we only flag charges that exceed even typical commercial reimbursement. All findings are framed as potential issues to review, not definitive errors.

Yes. Your bills are encrypted in transit and at rest, never sold to third parties, and isolated with row-level database security. You can delete any bill or your entire account from your dashboard at any time. We process your data with AI and store it securely — that's it.

Then everything is completely free — scan and results included. We only charge $10 for the dispute toolkit (letters + phone scripts) when errors are found and you're ready to take action. Clean bills are always free.

An itemized bill with CPT codes gives the best results. If you only have a summary bill, we'll help you request an itemized version from your provider for free — we even generate the request letter for you.

In most cases, yes. Duplicate charges are removed almost every time. For overcharges, hospitals routinely negotiate when presented with a documented dispute citing specific CPT codes and CMS benchmark data. Our dispute letters, negotiation letters, and phone scripts give you the same tools a professional billing advocate would use.