Send what you have
Snap the denial letter or bill and sign one authorization from your phone.
Health insurance problems,
handled for you.
Denied claim. Duplicate bill. A deadline nobody told you about. Gardo becomes your representative and works the case with your insurer and hospital until it's resolved.
Notice from your insurer
CLAIM #84-22917 · ER VISIT
Claim denied: duplicate submission
The services billed on this claim were previously submitted. You may be responsible for $1,840.00.
DENIED
Gardo · case in progress Illustrative
- Authorization signedGardo is your representative
- Records collectedBoth claims, itemized bill, EOBs
- Error foundSecond claim held the correct codes
- Corrected claim filedFax confirmed 10:42 AM · reply due in 30 days
- External review if neededFiled with the state regulator
Claim denialsDuplicate claimsBilling errorsPrior authorizationsInternal appealsExternal reviewHospital financial assistanceClaim denialsDuplicate claimsBilling errorsPrior authorizationsInternal appealsExternal reviewHospital financial assistance
Why this exists
Insurers count on you giving up. Most people do.
- 1 in 5
- in-network claims denied on HealthCare.gov plans
- <1%
- of those denials are ever appealed
- 49%
- of NY external appeals went the patient's way in 2024
Sources: KFF 2023 marketplace claims data; NY DFS external appeal reports.
One signature. We take it from there.
You deal with Gardo. We deal with the insurer, the hospital, and every deadline in between.
We build the case
We pull records, find the error, and file through each insurer's own channel: fax, mail, or portal.
We follow through
We track every deadline and escalate to external review when it's warranted. You see every step.
What we handle
Claim denials
"Not medically necessary," "out of network," "duplicate." We read the reason and answer it.
Billing and claim errors
Wrong billing codes, double billing, claims processed against the wrong plan.
Appeals and external review
Internal appeals first, then independent review by the state when it applies.
Financial assistance
Hospital charity-care applications you may already qualify for.
On your own
- Hours on hold, transferred between insurer and hospital
- Letters you have to decode yourself
- Deadlines you find out about too late
- No record of who said what
With Gardo
- One person who owns your case
- Every filing sent and confirmed for you
- Every deadline tracked from day one
- A timeline of every step, in one place
Questions
Is Gardo available now?
Not yet. We're launching first in New York. Join the waitlist and we'll email you when we open.
Are you an insurance company or a law firm?
No. Gardo is a patient-side service that acts as your authorized representative. We're not an insurer, law firm, or medical provider.
Do I need to send medical records now?
No. The waitlist only needs your email. Please don't send medical documents.
Can my employer offer Gardo?
Yes, that's on our roadmap. Email hello@gardohealth.com.