Recovering over $12M in denied claims since 2018. See our 2026 Impact Report

Call Us: (201) 674-8344

(Sat - Thursday)

Mail us for help:

support@vaultinsuranceint.com

525 S Mill Ave, Tempe,

AZ 85281
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Medical Claim Advocacy & Benefits Recovery

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Healthcare is Your Biggest Expense. Stop Overpaying.

Medical billing error rates in the US are currently estimated at 80%.

Whether you are a CFO managing a self-funded group plan, or an individual facing a $50,000 “Out-of-Network” surprise bill, the odds are high that the price you see is incorrect.


Vault Insurance INT acts as your forensic medical auditor. We dissect hospital invoices, challenge “Medical Necessity” denials, and audit corporate benefit plans to recover millions in wasted premiums. We speak the language of CPT codes and PPO discounts so you don’t have to.

Group Plan Audits

We review your company's enrollment data against carrier invoices. We commonly find you are still paying premiums for terminated employees ("Ghost Members").
Audit Your Plan

Denied Claim Appeals

Did the insurer say that surgery was "Experimental" or "Not Medically Necessary"? We have clinical nurses on staff to write the appeal and force coverage.
Fight a Denial

Bill Negotiation

Facing a massive hospital bill? We negotiate directly with the provider to apply "Fair Market Pricing," often reducing the balance by 30-50%.
Lower Your Bill

Where We Find "Lost" Money in Healthcare:

From administrative errors to aggressive billing tactics, we identify and recover funds from these common sources:
Stop-Loss Reimbursements: Ensuring your reinsurance policy pays out when you hit your deductible cap.
"Unbundled" Coding: Catching hospitals that charge for each stitch instead of the whole surgery (a common billing trick).
Ghost Employees: Recovering premiums paid for staff who left the company months ago.
Out-of-Network Negotiations: Using the "No Surprises Act" to fight surprise emergency room bills.
Pharmacy Rebates: Auditing your PBM (Pharmacy Benefit Manager) to ensure you are getting your promised rebates.
Duplicate Billings: Removing double-charges for the same test or scan.
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          Free Medical Bill Assessment

          Upload your denied claim letter or your monthly group invoice. We will tell you if you are overpaying.
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          Call: 201-674-8344

          I received a "Balance Bill" from an ambulance. Can you help?
          Yes. Ground ambulance billing is notorious for high rates. We use regional benchmarking data to negotiate that bill down to a fair rate, saving you thousands.
          Do you work with Self-Funded employers?
          That is our specialty. We audit your TPA (Third Party Administrator) to ensure they aren't auto-approving duplicate claims or paying for ineligible dependents.
          Is my medical information private?
          Absolutely. We are fully HIPAA compliant. We execute a Business Associate Agreement (BAA) with every client to ensure your health data is encrypted and legally protected.
          The insurer denied my pre-authorization for surgery. What now?
          Don't wait. We file an "Expedited Appeal." We gather peer-reviewed medical studies that support your doctor's plan and prove to the insurer that the surgery is standard care, not experimental.
          How much does a Group Plan Audit cost?
          For businesses, we operate on a "Shared Savings" model. We keep a percentage of the future savings we secure for your plan. If we don't save you money, the audit is free.

          Don't Pay That Bill Yet.

          Let our forensic auditors review the codes first. A 15-minute review could save you 50% of the cost.

          Head office address:

          525 S Mill Ave, Tempe, AZ 85281

          Call for help:

          (201) 674-8344

          Mail for information:

          support@vaultinsuranceint.com

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