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Medical Cost Advocate will negotiate any medical bill that you receive for anyone in your family. It doesn’t matter if you are insured or uninsured, if the procedure is covered or not covered, or if the provider is in network or out-of-network. We can negotiate full charges and balance bills, as well as bills you will ultimately send to your insurer to apply against deductibles and co-insurance. The bill must simply exceed $600.

The following tables show the breadth of charges Medical Cost Advocate most typically negotiates:

For Insured Consumers:

Bill Type Full/ Excess Charges Balance Bills Bills Toward Deductibles Bills Toward Co-Insurance Bills for Non Covered Services Co-Payments
In- Network POS HRA HSA uninsured operations Typically
Out-of-Network MRI X-ray care giver bed nurse Typically

For Uninsured Consumers:

Bill Type Full/ Excess Charges Balance Bills Installment Payments Pre Payments
Un-insured process
sign up
bill audit
bill review

For more Information please click: Any Healthcare Consumer Can Benefit

Medical Cost Advocate will negotiate your bills regardless of any insurance plan you may have:

  • Point of Service Plans (POS)
  • Preferred Provider Organization Plans (PPO)
  • Indemnity Plans
  • High Deductible Health Plans (HDHP)
  • Health Savings Accounts (HSA)
  • Health Reimbursement Arrangements (HRAs)
  • Health Maintenance Organization (HMO)
  • Auto/Personal Injury Protection (PIP)
  • Workers’ Compensation
  • Medicare Advantage

For more Information please click: Insurance Plan Types

Medical Cost Advocate is very effective for uninsured consumers. Our services can enable uninsured consumers to realize the same discounts typically obtained through large insurance carriers. Medical Cost Advocate can also negotiate items that fall outside of your insurance coverage:

  • Uninsured claims
  • Non-covered procedures – Procedures not covered by your insurance
  • Partially paid bills, balance bills and excess charges
  • Bills applied to co-insurance and deductibles

You should send your bills to Medical Cost Advocate before you apply them against your Insurance, Flexible Spending Account (FSA), Health Reimbursement Arrangement (HRA) or Health Savings Account (HSA) to ensure your cost savings and returns are maximized.

Below is a sample of medical bills we negotiate every day:

  • Major medical/surgery
  • Physician procedures
  • Anesthesia
  • Hospital/clinical
  • Ambulatory surgical centers
  • Outpatient procedures
  • Dental
  • Cosmetic/Plastic surgery
  • Ambulance
  • Dermatology
  • Specialists
  • Diet programs
  • Vision care
  • Lasik surgery
  • Labs
  • Veterinarian