0. Medical Bill Saver™
(PEPM)

1. 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

2. 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.

3. 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

4. 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)

5. 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

6. 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.

7. 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

8. 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

9. Let us negotiate for you.