Protect your employees.
Protect your budget.
Health insurance billing errors, COBRA overcharges, and undisclosed broker fees cost employers thousands annually. Warnvo gives HR teams a systematic way to catch and dispute them.
What you're dealing with every day
The billing fraud and overcharge patterns that cost your clients money — and your practice time.
Health insurance billing errors
Carrier invoices often include terminated employees, incorrect tier classifications, and premium rates that don't match the group contract.
COBRA overcharges
COBRA premiums are capped at 102% of the group rate. Overcharges above this cap violate ERISA and expose the employer to liability.
FSA/HSA fee abuse
Third-party administrators sometimes charge per-transaction fees, monthly maintenance fees, and debit card fees above the contracted rate.
Payroll processor overcharges
Benefits administration fees, year-end reporting fees, and ACA compliance fees that exceed the contracted rate — often discovered only during renewal.
Broker hidden fees
Broker compensation arrangements that aren't disclosed in the Summary Plan Description — a potential ERISA fiduciary violation.
ADA compliance billing
Accommodation costs billed to the employer that should be covered by the carrier, or vice versa — creating unexpected budget impacts.
Built for your workflow
Tools designed specifically for professionals who deal with billing disputes and consumer protection every day.
Benefits invoice audit
ShieldEngine™ analyzes carrier invoices, TPA statements, and broker disclosures against contracted rates, ERISA requirements, and market benchmarks.
ERISA compliance letters
Generate formal dispute letters citing ERISA, COBRA regulations, ACA requirements, and state insurance codes.
Benefits specialist
Complex cases are reviewed by our benefits billing specialist with expertise in ERISA compliance and carrier dispute resolution.
Frequently Asked Questions
Start protecting your clients today
Free for individual consumers. Pro Business starts at $99/month.
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