Your Expert Medical Cost Reduction Partner
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Frequently Asked Questions (FAQs)

I have known my doctor for a long time and the relationship is important to me. Will you treat my provider with respect?
Our effectiveness is based on our reputation. We treat every negotiation as if it was with our own provider. Our objective is to achieve true win-win negotiation so we work collaboratively with your doctors because we expect to negotiate with them several times, both for you and our other customers. Doctors benefit from our negotiation because we correct anomalies in billing, inform them about the “market” cost for procedures, get them paid faster than is typical and reduce the risk of uncollectible bills. Doctors and providers understand the benefits of our negotiations … increasingly they expect our call.
What if I don’t have insurance?
No problem. Our service is designed for uninsured consumers who don’t want to pay what they are billed. Our services can enable uninsured consumers to realize the same discounts typically obtained through large insurance carriers. We can often save uninsured consumers significantly more on their bills.
What if I already paid while at the doctor’s office?
We recommend that consumers review the cost of their procedure before they pay for services. If you pay for medical services at time of delivery, you lose the opportunity to reduce cost through negotiation. Usually we will not be able to negotiate a bill you have already paid. However, if you have pre-paid a portion of the procedure, the “balance bill” is negotiable.
Can you negotiate any bill?
We will negotiate any bill for you or your family as long as it is greater than $600. We have expertise in all health, medical and dental procedures.
How do you reduce the costs?
Our most effective tool in reducing your cost is our years of data both proprietary and industry derived. We can tell the provider what the procedure should cost. In addition, we use prompt payment, courteous and professional staff and our reputation to get you results.
How long will it take?
We provide personal service on every bill. As such, we contact the provider and/or the provider’s staff to reduce every bill. Under ordinary circumstances we can reach the provider and complete the negotiation within about 3 days to one week. When the provider delays the process it could take longer but is generally completed within a couple of weeks. You may log into your account to check the status of your case any time you wish by selecting “Manage Account”.
Can I check the status of my bill?
You can log into your personal account by using your account number and password any time 24/7 at
When will you charge my credit or debit card?
We will charge your credit or debit card after your provider has agreed to a reduced amount. If we do not reduce your costs we will not charge your card and we will not allow the provider to, so that you may pay normally. If we do reduce the costs we will charge your card for the reduced amount and any commission we are entitled to on the savings, which together will be less than the original bill. We will need to authorize your credit card to ensure you have sufficient credit, prior to commencing the negotiation.
What cards do you accept? Can I use my debit card?
You can use credit or debit cards. We accept VISA, MasterCard and American Express as well as debit cards including those from your Health Savings Account (HSA), Health Reimbursement Arrangement (HRA) or Flexible Spending Account (FSA). Most consumers prefer their credit card so they can pay over time.
What if I don’t have sufficient credit to cover the bill?
We will authorize your credit card for a percentage of the procedure even though we will only charge the negotiated (lower) amount. If when we authorize your account, you do not have sufficient credit, you can still select payment plan services to stretch your payment out over time. Our services work better for you, however, if you pay the negotiated amount all at once as it will give us better negotiation leverage with the provider.
Will my personal and medical information be kept private?
Your personal and medical information will be used only to reduce your bill. We do not sell or provide our contact database to direct mail or telemarketing companies.
What kind of reduction can I expect?
The amount we can save for you typically depends on the amount of the bill and the degree to which the provider is charging a reasonable fee. While we cannot guarantee these results our savings typically fall in the 20% to 50% range.
Will MCA actually call the provider?
At MCA we believe personal service is key to success. MCA will negotiate directly with providers (hospitals, physicians, ambulatory surgical centers, labs, etc) on behalf of consumers to reduce the billed charges. We find direct interaction increases our chances of saving you money.
Can I still use my Flexible Spending Account (FSA) and Health Reimbursement Arrangement (HRA) for tax free reimbursement?
Absolutely. All you need to do is send your MCA service summary showing the post negotiated amount to your FSA or HRA administrator for reimbursement directly to you.