Medical Bill Saver™ (PEPM)

As a financially savvy employer, you want to: Help employees easily resolve healthcare, insurance, and billing issues Provide tools to help employees save money on their healthcare Reduce the time employees spend worrying about their medical bills, allowing them to focus on their work instead Here’s how we can help

If you are serious about helping your workforce save money on their healthcare, we can help. As a leader in employee health, wellness and engagement programs, Health Advocate offers Medical Bill Saver, powered by highly experienced negotiators who have a proven track record of tackling large medical bills and achieving significant cost savings.

Overview Negotiates non-covered, out-of-network, and/or exceeding the benefit maximum medical or dental bills with a balance of $400 or more, regardless of benefit status Highly experienced negotiating unit Offers “safety net” for employees to reduce out-of-pocket expenses Track record for achieving significant savings

Features Specialized negotiating team negotiates with physicians, dentists, hospitals, surgery centers and other providers Uses fee benchmarking databases and critical pricing trend information Obtains secure, written provider sign-off on negotiated terms Savings Result Statement summarizes negotiation outcome for employee One-on-one help from Personal Health Advocates to get most out of benefits; maximize savings (e.g., use HSAs)

How it Works Employees call the toll-free number about any non-covered medical or dental bill $400+ Bill is sent or faxed to negotiation team Team works with providers on employee’s behalf to negotiate discount Team obtains written provider sign-off on negotiated terms Employee receives a Savings Result Statement detailing outcome If negotiations successful, employee shares a percentage of the savings with Health Advocate

Medical Bill Saver at Work Issue: An employee had an outstanding bill for surgery performed at an out-of- network hospital. Billed Charges:……………. $5,032 Negotiated Discount:…….....…50% Resolution: Health Advocate worked with the provider to significantly reduce the bill. Savings:…………………..….$2,516 Health Advocate shares a percentage of the savings with the employee. *The savings on case studies cannot be guaranteed. Results may vary.

Benefits to Employees Can reduce out-of-pocket costs High success rates for achieving significant savings Increased support for consumer-driven health plans and health savings accounts Education about overall benefit plans from Personal Health Advocates Personal Health Advocates can help resolve a range of healthcare and insurance-related issues Saves time and money Benefits to Employees

Provides employees with a “safety-net” as companies move toward consumer-driven health plans Employees become better informed purchasers of healthcare services Helps reduce medical claims and burden on HR Expedite rapid provider payments, generate larger discounts Increases employee productivity; satisfaction Personal Health Advocates can help resolve healthcare and insurance-related issues Benefits to Employers

Let us negotiate for you.