Disclaimer

Not Legal Advice

The information provided by BillGuard AI, including bill analysis, dispute letters, and negotiation guidance, does not constitute legal advice. BillGuard AI is not a law firm and does not provide legal representation. The generated dispute letters are templates based on AI analysis and should be reviewed before sending.

For significant billing disputes or legal matters, we recommend consulting with a qualified healthcare attorney or licensed medical billing advocate.

Not Medical Advice

BillGuard AI does not provide medical advice, diagnosis, or treatment recommendations. Our analysis is a price audit — we compare what you were charged against CMS Medicare benchmark rates, flag duplicate charges, and identify upcoding patterns. We do not evaluate whether a treatment was medically necessary or clinically appropriate.

AI Limitations

BillGuard AI uses artificial intelligence to analyze medical bills. While our AI is designed to identify common billing errors and overcharges, it has limitations:

• AI analysis may contain errors or miss certain billing issues
• Benchmark estimates are based on CMS Medicare reimbursement data and may not reflect your specific insurance plan, region, or provider's pricing
• The AI cannot account for your specific insurance plan, negotiated provider rates, or unique medical circumstances
• Complex or unusual billing scenarios may not be fully captured by automated analysis

No Guaranteed Outcomes

BillGuard AI does not guarantee any specific outcome from using our Service. The success of billing disputes depends on many factors including your provider's policies, your insurance coverage, the specific billing errors involved, and applicable state and federal laws. Potential savings amounts shown are estimates and may not reflect actual adjustments obtained.

Pricing Benchmarks

The pricing benchmarks shown in our reports are based on the CMS 2026 Medicare Physician Fee Schedule and Clinical Laboratory Fee Schedule. Medicare rates represent the baseline of provider reimbursement — commercial insurance typically pays 1.5–2.5x these amounts. We only flag charges that significantly exceed even typical commercial reimbursement. These benchmarks should be used as negotiation leverage, not as the expected or "correct" price for any service. Actual costs vary by region, provider, and insurance plan.

User Responsibility

By using BillGuard AI, you acknowledge that:

• You are responsible for verifying the accuracy of any analysis before taking action
• You should review all generated letters carefully and customize them to your situation before sending
• You assume responsibility for any actions taken based on information provided by the Service
• You should consult with qualified professionals for significant financial or legal decisions

Third-Party Services

BillGuard AI uses third-party services including Anthropic (AI processing), Stripe (payments), and Supabase (data storage). We are not responsible for the practices or policies of these third-party services. Please review their respective terms and privacy policies.

Contact

If you have questions about this Disclaimer, contact us at support@billguardai.com.