Health Advocate™ Solutions

Healthcare is complicated. Personal Health Advocates help you navigate the insurance and healthcare systems. They can help to:

• Untangle medical bills and insurance claims
  
• Locate doctors, specialists, hospitals, dentists and pharmacies
  
• Clarify benefits and answer questions about tests, treatments and medications
  
• Coordinate care among multiple providers
  
• Assist with eldercare and related healthcare issues
  
• Arrange second opinions
  
• Transfer medical records
  
• Negotiate payment arrangements with providers and find options for non-covered services
  
• Provide information about generic drug options

Health Advocate™ Solutions

Health Advocacy

Q. What are the typical issues that Health Advocacy handles?
A. Health Advocacy representatives can address many medical questions and issues; including finding primary care and specialist physicians and medical institutions, and resolving claims, billing and related administrative problems. Health Advocacy also helps you access community resources, including senior care services that fall outside traditional healthcare coverage.

Q. How do I use this benefit?
A. Whether you’re confused by your health insurance, need help finding a specialist or transferring your medical records, Health Advocacy cuts through the red tape. Call the number on the back of your membership card to speak with a representative.

Q. Who will I speak with when I call?
A. Health Advocacy representatives are typically registered nurses supported by medical directors and benefits and claims specialists, who have a number of years of experience working in healthcare-related jobs. They are screened to make certain that they have both excellent personal communication skills and the necessary professional credentials.

Medical Bill Saver™

Q. How does this benefit save me money?
A. Medical Bill Saver can identify billing and claims processing errors, which could reduce your out-of-pocket expenses. Representatives can also help negotiate provider charges, which can be another source of savings.

Q. How do I use this benefit?
A. Once you receive a medical or dental bill with a remaining balance over $400 which is not covered by your insurance plan, call the number on the back of your membership card. The Medical Bill Saver negotiating team will contact the medical provider and attempt to have your bill reduced. Certain state restrictions may apply.

Q. Who will I speak with when I call?
A. Medical Bill Saver trained professionals are typically registered nurses supported by medical directors and benefits and claims specialists, who have a number of years of experience working in healthcare-related jobs. They are screened to make certain that they have both excellent personal communication skills and the necessary professional credentials.

NurseLine™

Q. Who do I speak with when I call?
A. You will speak with Registered Nurses who will provide you with the best health information available. They use medical protocols developed by Healthwise, one of the most trusted sources of health information and have given reliable medical guidance to millions of Americans.

Q. What types of issues can I call about?
A. Nurses are available 24/7 to answer questions about symptoms, medications, health conditions and offer simple, self-care tips for non-urgent conditions

Q. Can I call about family members?
A. Yes. NurseLine may be used by you, your spouse and your children.