Saver PEPM 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 ID: 597996
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Medical Bill Saver™(PEPM)Slide2
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
As a
financially savvy employer, you want to:
Here’s how we can helpSlide3
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.Slide4
OverviewNegotiates 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 unitOffers “safety net” for employees to reduce out-of-pocket expensesTrack record for achieving significant savingsNo cost to employeeSlide5
FeaturesSpecialized negotiating team negotiates with physicians, dentists, hospitals, surgery centers and other providersUses fee benchmarking databases and critical pricing trend informationObtains secure, written provider sign-off on negotiated termsSavings Result Statement summarizes negotiation outcome for employeeOne-on-one help from a Personal Health Advocate to get most out of benefits;
maximize savings (e.g., use HSAs)
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How it WorksEmployee calls the toll-free number about any non-covered medical or dental bill $400+ Bill is sent or faxed to negotiation teamTeam 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
Employee pays nothing, regardless of negotiated outcome
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Medical Bill Saver at Work6
Issue:
An employee had
an outstanding
bill for surgery performed at
an out-of-network hospital.Billed Charges:……………. $5,032Negotiated Discount:…….....…50
%Resolution:
Health Advocate worked with the provider to significantly
reduce the
bill.
Savings:…………………..….$
2,516
*The savings on case studies cannot be guaranteed.
Results
may vary.Slide8
Benefits to EmployeesCan reduce out-of-pocket costsHigh success rates for achieving significant savingsIncreased 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
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Benefits to EmployersProvides employees with a “safety-net” as companies move toward consumer-driven health plansEmployees become better informed purchasers of healthcare services
Helps
reduce medical claims and
burden on HR
Increases
employee productivity; satisfactionPersonal Health Advocates can help resolve healthcare and insurance-related issues8Slide10
Let us negotiate for you.Slide11
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