Medical Cost Advocate Terms and Conditions of Use


Welcome to, home of Medical Cost Advocate, Inc.,

Your expert medical cost reduction partner. Medical Cost Advocate, Inc. (Medical Cost Advocate) is a leader in bringing the powers of medical negotiation and advocacy to the consumer. Medical Cost Advocate understands the importance of keeping private information confidential and secure. We ask that you abide by the following terms and conditions when you use our Website and services.

Privacy Policy

Medical Cost Advocate recognizes that your personal and healthcare information is worthy of protection. We have created a privacy policy that describes the actions we can take together to protect your information. Medical Cost Advocate’s privacy policy is also available for your review at the bottom of our Homepage. By using this Website, you agree with the terms of our privacy policy. Whenever you submit information via this Website, you consent to the collection, use, and disclosure of that information in accordance with the terms of our privacy policy.

Authorization and Customer Agreement

Medical Cost Advocate provides you with an Authorization for Release of Medical Records and Information and a Customer Agreement which you may review each time you submit a bill for negotiation. This Agreement will be presented to you in step four of the bill entry process, after you log in your essential bill information. This Agreement describes our mutual understanding of terms for bill negotiation. In order to use our services you must confirm that you agree with the terms of the Authorization and Customer Agreement.


The information contained in Medical Cost Advocate’s Website (including, but not limited to, the name. logo, design, text, graphics, photographs, video and audio) is protected by copyright as a collective work or compilation under the laws of the United States and other countries. To enhance your use of this Website, you may print portions of this Website for the sole purpose of using materials it contains for informational and non-commercial, personal use. Any use or reproduction of intellectual property in this Website–including any commercial use, reproduction, modification, distribution, display, or performance–without the prior written permission of Medical Cost Advocate is strictly prohibited.

Web Links

Medical Cost Advocate grants to you limited permission to create a hyperlink to the Homepage of this Website, provided such link does not portray Medical Cost Advocate or any of its products and services in a false, misleading or derogatory manner. This limited right may be revoked at any time. You may not use tools to obstruct or alter trademark, logo or other proprietary information and images found at this Website. You may not modify the content of any text or the layout/design of any page or form contained on a Website page without written permission from Medical Cost Advocate.

Medical Cost Advocate assumes no responsibility for the content of any Website linked to or utilized by Medical Cost Advocate services. Medical Cost Advocate makes no representations concerning the quality of the products of any vendor listed on its Website. In addition, the listing of any other Website does not constitute or imply a recommendation or endorsement by Medical Cost Advocate. Medical Cost Advocate is providing links to you only as a convenience, and the inclusion of any link does not imply affiliation, endorsement, or adoption by Medical Cost Advocate of the site or any information contained therein.

Disclaimer of Warranties

The Medical Cost Advocate Website, and all materials, information and products included in Medical Cost Advocate services are provided on an as-is basis with no warranties. Medical Cost Advocate and its licensors expressly disclaim all express, implied, and statutory warranties, including, without limitation, the warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights. Medical Cost Advocate and its licensors disclaim any warranties regarding the security, reliability, timeliness, and performance of the Website or materials contained on, or accessed through, this Website. Medical Cost Advocate disclaims any responsibility for the information deletion, failure to store, misdelivery, or untimely delivery of any information or material. Medical Cost Advocate disclaims any responsibility for any harm resulting from downloading or accessing any information or material on the Internet through Medical Cost Advocate services.

Limitation of Liability

Under no circumstances shall Medical Cost Advocate or its licensors be liable to any user due to that user’s use or misuse of, or reliance on, the Medical Cost Advocate services or use of materials contained on, or accessed through, this Website. Such limitation of liability shall apply to prevent recovery of direct, indirect, incidental, consequential, special, exemplary, and punitive damages whether such claim is based on warranty, contract, tort (including negligence), or otherwise. Such limitation of liability shall apply whether the damages arise from use or misuse of and reliance on Medical Cost Advocate, from inability to use the Medical Cost Advocate services, or from the interruption, suspension, or termination of the Medical Cost Advocate services (including such damages incurred by third parties). This limitation shall also apply with respect to damages incurred by reason of other services or goods received through or advertised on the Medical Cost Advocate Website. This limitation shall also apply, without limitation, to the costs of procurement of substitute goods or services, lost profits, or lost data. Such limitation shall further apply with respect to the performance or non-performance of the Medical Cost Advocate services or any information or merchandise that appears on, or is linked or related in any way to, the Medical Cost Advocate services. Such limitation shall apply notwithstanding any failure of essential purpose of any limited remedy and to the fullest extent permitted by law. Without limiting the foregoing, under no circumstances shall Medical Cost Advocate or its licensors be held liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond its reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, electrical power failures, strikes, labor disputes, riots, civil disturbances, shortages of labor or materials, fires, floods, storms, explosions, acts of God, war, governmental actions, orders of domestic or foreign courts or tribunals or non-performance of third parties.

Modification and Termination

Medical Cost Advocate reserves the right to change any and all content contained on this Website without notice. Reference to any products, services, processes, or other information, by trade name, trademark, manufacturer, supplier, or otherwise does not constitute or imply endorsement or recommendation thereof by Medical Cost Advocate.

Notwithstanding any of these terms and conditions, Medical Cost Advocate may, without notice and at its sole discretion, terminate your license to use this Website, and block or prevent future access to and use of this Website.


If any provision of these terms and conditions shall be deemed unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and conditions and shall not affect the validity and enforceability of any remaining provisions.

If you have any questions about these terms and conditions, the practices of this Website, or your dealings with this Website, please contact us at or by mail at:

Medical Cost Advocate, Inc.
Suite 4
385 Clinton Avenue
Wyckoff, New Jersey 07481