Stop Overpaying on
Medical Bills
80% of medical bills contain errors. Our AI scans your bill in 30 seconds, finds overcharges and duplicate fees, and generates a dispute letter to save you thousands.
Free to scan · Pay only when we find savings · No subscription
How BillGuard Works
Three steps to fight back against unfair medical charges.
Upload Your Bill
Take a photo or upload a PDF. Don't have an itemized bill? We'll help you request one for free.
AI Audits Your Prices
Our AI compares every charge against fair pricing data and checks for duplicates, upcoding, and unbundled fees.
Get Your Dispute Letter
Receive a professional, personalized dispute letter ready to send. Plus a phone script and negotiation playbook.
Simple, Fair Pricing
Scan for free. You only pay when we find real savings — and it's always a fraction of what you'll save.
Your Data is Safe
We know medical bills are sensitive. Your privacy and security are our top priority.
Encrypted & Secure
All data is protected with TLS/SSL encryption in transit and at rest. Your bills are never exposed.
Never Sold to Third Parties
Your data is never sold or used for advertising. Bill data is processed by AI and immediately secured.
Delete Anytime
Delete individual bills or your entire account and all data from your dashboard at any time. No questions asked.
Isolated & Private
Each user's data is isolated at the database level with row-level security. Only you can see your bills.
Read our full Privacy Policy and Disclaimer
What Our AI Catches
Common pricing issues and billing patterns that cost you thousands.
Duplicate Charges
Same service billed twice on the same date. More common than you'd think.
Upcoding
Billed for a more expensive service than what was actually provided.
Overcharges
Prices far above regional fair market rates for standard procedures.
Unbundling
Services that should be grouped together are billed separately to inflate costs.
Phantom Charges
Charges for services you never received or that don't match your visit.
Missing Itemization
Summary-only bills that hide individual charges. We help you request the details.
Real Scans, Real Results
Actual bills scanned by BillGuard AI — not hypotheticals.
AI flagged an overcharged ER visit and a duplicate lab fee. Dispute letter generated in under 60 seconds.
No issues found — every charge matched fair pricing. Peace of mind, no charge. This is what a clean bill looks like.
Based on real bills scanned during testing. Provider details included with permission. Individual results vary.
Common Questions
Is this legal?+
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.
How accurate is the analysis?+
Our fair prices 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 rates. That said, we frame all findings as potential issues to review, not definitive errors.
Is my data safe?+
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.
What if no errors are found?+
Then it's completely free. We only charge when we find real savings. If your bill checks out, you get peace of mind at no cost — and you'll probably tell a friend about it.
Do I need an itemized bill?+
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.
Will hospitals actually lower my bill?+
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 fair pricing data. Our dispute letters, negotiation letters, and phone scripts give you the same tools a professional billing advocate would use.
Ready to Fight Back?
Upload your medical bill and find out in 30 seconds if you're being overcharged. It's free to scan.
Scan Your Bill Free →No credit card required · Results in 30 seconds