Save Up To 80% on Your Medical Bills from Now On!
This will Surprise You: The Number One Cause of Bankruptcies in the US
Medical Debt Causes over 62% all of bankruptcies in the US according to a 2007 study conducted by Harvard University, making the high cost of medical care arguably the #1 financial challenge in America.
Another shocker - 75% of those filing bankruptcies due to medical debt have health insurance!
FREE Membership Offer!
How Health Care Advocates, Inc.
dramatically reduces medical bills
Three ways...
1. Health Care Advocates audits medical bills like the IRS audits tax returns! The CAP team consists of doctors, nurses, attorneys, medical billing experts and coding specialists. Fully 94% of medical bills are wrong. And not just math errors but intentional "errors" that greatly inflate costs. The highly-experienced CAP team challenges these excesses and normally achieves a bill reduction of 20% to 80% or more!
2. Health Care Advocates works to extend insurance coverage for its clients. The CAP team gets coverage extended when it has been denied for a particular procedure or gets coverage levels increased so HCA clients with insurance get greater savings through higher insurance pay-outs!
3. Health Care Advocates obtains grants to help pay medical bills. There are many private and public grants as well as government programs to help pay medical bills that the average consumer is unaware of. The CAP team regularly obtains grants and other funding that pay for their clients' health care costs when they are uninsured or the bills are more than they can comfortably handle. There are many instances of CAP member's medical bills being completely eliminated!
A $300 Per Year Value!
Whether you are young, old, single, have a growing family or are retired, you are at risk from out-of-control medical costs - even if you are insured and especially if you are not.
The employees of large corporations like Home Depot, Citigroup and General Electric now have health advocate services as a part of their benefits packages.In fact, more than 3,200 companies, have added these important benefits because they can slash the cost of medical services up to 80% or more!
For over 11 years, Health Care Advocates, Inc. has been so successful at dramatically reducing medical bills for their clients, that they have been the subject of many articles in major magazines and newspapers, have been featured on national news programs and have also been recommended in best-selling books on money and finance.
Open your bills and say "Ahhh!"
How the Health Care Advocates, Inc. CAP Program Works
The CAP Process
Once you are a CAP member, you have a powerful health care advocate on your side - HealthCare Advocates, Inc., the company that created the Health Care Advocacy Industry 11 years ago! When you have a medical expense, submit the bill to HCA and their team of medical and legal professionals will go to work, lowering your bill, extending your insurance coverage and, when appropriate, obtaining grant money to help pay your medical bills.
You pay ONLY for success. When health care advocates cuts your medical bills, you pay the new, lower amount plus a fee that equals a percentage of your savings. In other words, you only pay for success and you will always pay less or you owe Health Care Advocates nothing! The details are spelled out in the Membership Agreement you receive at sign-up. You must agree that the CAP Program is an absolute value or there is no obligation and you can cancel your CAP membership at any time. Of course, with all of the protection and savings Health Care Advocates provides, why would you ever choose to be without it?
After a one-time processing fee of $7.99 per family, your membership is free for the 2-year term of the agreement. At the end of two years, your agreement will automatically renew, including your free membership. If Health Care Advocates ever discontinues the free membership feature, you will be notified in advance and your membership will not renew without your prior approval.
There are no plans to eliminate free membership for anyone that takes advantage of this special offer as long as new Health Care Advocates CAP members continue to pass it on to friends and family. If everyone spreads the good news, the need for expensive advertising is minimized. Your reward for doing a truly good deed for all those you care about is that CAP membership can remain free for everyone that takes advantage of this special offer!
About Kevin Flynn
In recognition of his pioneering achievements, Kevin Flynn has been appointed to the Presidential Business Commission (George W. Bush), awarded the Congressional Gold Medal by the National Republican Congressional Committee, served on the nominating committee for a major charity that wishes to remain anonymous, has been recognized as an industry leader by the Standard and Poor's companies and other renowned organizations, teaches at a prominent university, consulted with a medical TV series that aired on CBS, and his visionary practices have been the subject of college text books, course curriculum and reviews at major universities including Harvard and Yale.
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"The hospital sent me a bill for $3,500 after discounting $30,000!"
Thank you Kevin!
Real savings example - documentation available.
Frequently Asked Questions
Why do I need a health care advocate?
Studies have shown that over 90% of medical bills are inflated and contain inaccurate information! Everyone pays for the "free" medical care that hospitals are required to provide. And don't get us started on the cost of nsurance! We have the best health care system in the world but without an advocate, you will pay far too much for your medical care.
Real People, Real Cost Savings
Each of the following ten clients of HealthCare Advocates, Inc. enjoyed money savings on their medical bills that are dramatic but in no way, unusual. Each example is a testament to the effectiveness of the HealthCare Advocates program. Names and personal information are withheld to maintain privacy. Each case of money savings is fully substantiated - documentation is available upon request.
Example 1 - A Health Care Advocates, inc. client saved 10,507.68 on the purchase of medications for her child.
Example 2 - A Health Care Advocates, Inc. client saved $1,882.28 on the expenses he incurred while in the hospital.
Example 3 - A Health Care Advocates, Inc. client saved $1,850 per tooth on the cost of his dental implants.
Example 4 - A Health Care Advocates, Inc. client saved $4,135.80 on her hospital bill.
Example 5 - A Health Care Advocates, Inc. client who was uninsured and had suffered a heart attack saved $180,000!
Example 6 - A Health Care Advocates, Inc. client saved $1,251.62 on a bill for x-rays.
Example 7 - A Health Care Advocates, Inc. client saved $6,000 on breast cancer treatments her insurer had originally denied.
Example 8 - A Health Care Advocates, Inc. client saved $30,000 on a medical bill.
Example 9 - A Health Care Advocates, Inc. client saved $7,856.66 on a medical bill.
Example 10 - A Health Care Advocates, Inc. client saved $889.04 on an emergency room bill.
Open your bills and say, "Ahhh!"
#1 Employee Benefit
Business owners, contact us about adding CAP protection to your employee benefits package.
Actual Money Savings on Medical Expenses
Answers to the Most Frequently Asked Questions
By Kevin Flynn, President of Health Care Advocates, Inc.
Q: Why is HealthCare Advocates effective when all of my efforts have failed?
A: Because HealthCare Advocates knows the industry, the laws and the regulations. We also have the team that can put your goals into action. In short, we have the expertise and experience to make resolve your issue(s).
Another part of the reason is our letterhead. HealthCare Advocates is well known by the insurance companies and they know that we know how to win and that we will not back down. Based on that, our letterhead goes a long way when interacting with insurance companies.
Q: Why should I pay HealthCare Advocates to solve my problem when I am sure I can solve it myself?
A: Several reasons:
- We always hear people say, "I am an intelligent person, I can figure it out on my own." The reality is that intelligence is not a substitute for experience. HealthCare Advocates has the experience to know what questions will be asked and how to obtain results. While there are many intelligent people, they do not posses our experience which is part of the reason that we are so successful.
- Because we know how to resolve the 'issue' before it becomes an expensive 'problem.'
- Because we know how to resolve problems. People often come to us after they tried to rectify the problem and all they accomplished was to complicate the problem.
- One call to HealthCare Advocates will save you time, money and a lot of aggravation because our team of specialists knows how to solve your health care problems.
- We can save you money. Often people are entitled to benefits and other services they do not know about, and do not think they are entitled to knowing the health care system, we know your entitlements and can show you how to save money.
- Stress. Stress leads to many health problems and if you are already ill, the last thing you need is to add more stress to your life. Let HealthCare Advocates deal with the problem letting you concentrate on getting better.
- Assurance. Because HealthCare Advocates works with doctors, hospitals, insurance companies, government agencies and other professionals on a daily basis, we have developed great working relationships. These relationships and experiences can help you through the complicated health care system.
Q: Why should I use HealthCare Advocates' Health Counselor and not a lawyer?
A: Ask your lawyer this question - how many cases did you handle last year that fit my fact pattern? I'll bet the number is three or less. HealthCare Advocates has the experience! Below are examples of lawyers seeking our advice because we have the experience.
Example #1:
"I am going to fax you a letter we received from [insurance company]. Should we send the signed form to them? Our lawyer said we should ask you about this."
Example #2:
We were asked what this person's lawyer should put in a letter. "..what should be the substance of his reply to the letter?"
HealthCare Advocates specializes in resolving problems in a cost effective, confidential manner. Lawyers specialize in suing (all of your private medical information will become public) once an adverse consequence has occurred (i.e. death, blind, etc). In fact, it is because of these reasons that we have a lot of lawyers as clients. Below is an email from an attorney seeking HealthCare Advocate's advice on a matter:
From the attorney...
"I have a case where the health carrier sued a policy holder to rescind the contract based on fraudulent misrepresentation during the application process and seeks reimbursement of all monies paid out. They are now demanding that each medical provider return the payments made (they have not returned the premiums to the insured). Can a company actually have as part of their network provider agreement the right to recoup payments from the providers after they obviously approved the payment? Have you ever seen such a situation?"
Q: Will HealthCare Advocates' file an appeal with my insurance company?
A: The filing of an appeal is not always the best way to resolve the matter; but sometimes it is. We will research the issue to determine what course of action is best and then implement the course of action. If filing an appeal is the best option, then HealthCare Advocates will file an appeal on your behalf.
Q: Can HealthCare Advocates help people anywhere in the country?
A: Yes. We are a nationwide patient advocacy company.
Q: Will my insurance company drop me if I ask HealthCare Advocates to help me with a problem?
A: No. First, insurance companies are not allowed to cancel (rescind) insurance policies at will; there are laws to protect you. Second, HealthCare Advocates members have NEVER experienced any retaliation from the insurance companies, nor is any anticipated. Remember, insurance companies are large bureaucracies and sometimes a person needs an advocate to help them get the attention they deserve.
Q: What is the difference between a patient advocate and a HealthCare Advocates' Health Counselor?
A: A patient advocate traditionally helps patients (people currently in treatment). HealthCare Advocates' Health Counselor helps people before, during and after treatment. An advocate, can be fit in anywhere along the line (before, during or after care).
If You Have Health Care Insurance and Especially
if You Don't - You Need a Health Care Advocate!
Think about it - your grocery bill is completely comprehensible - you can clearly see what you bought and what you were charged for each item. You can check immediately when you suspect you have been overcharged. Because of this transparency, grocery store pricing tends to be highly accurate.
Now compare your grocery bill to a medical bill. The medical bill virtually incomprehensible. You have no clear way to know if we are being billed fairly. Predictably, we as patients are routinely overcharged. In fact, 94% of medical bills contain inaccuracies. And not just simple math errors. Every medical procedure has a code number assigned that in part, tells the health care provider how much to charge the patient for their services. By inaccurately reporting the procedures that were done as a part of your treatment or by assigning the wrong codes, you can be systematically overcharged for your medical or dental care.
Miscoding – A Famous Example
The vast majority of people who contract pneumonia contract the bacterial variety, however, viral pneumonia is much more expensive to treat. Many health care providers began billing consumers, insurance providers and Medicare almost exclusively for viral pneumonia.
Fortunately, the practice was discovered (that's why it is a famous example. If the providers hadn't gotten caught, they would probably still be overcharging patients for viral pneumonia) Result – hospitals had to give the money back! In fact, one hospital returned $32 million to Medicare!
This practice is known as “upcoding”. It is all too common.
Improperly Billed Procedures
Here is another classic example - a physician operates on a patient and completes two procedures while the patient is opened up. The hospital bills for both procedures. No problem so far.
They hospital also bill for two incisions and two anesthesias! This practice is also very common. In fact, hospital billing and coding staff members even attend workshops on how to optimize profits.
Insurance Company Abuses
Insurers have raised denial of coverage to a science. The Health Care Advocates, Inc. CAP team regularly gets insurance coverage extended to cover denied procedures.
True Example: A client needed gastric bypass surgery to control her obesity. The insurance co. said the procedure was elective and therefore excluded. The CAP team challenged the insurance provider and obtained full coverage for the procedure.
The cost was $25,000 and the client paid only a $500 deductible!
Our Medical Care System is Out-of-Control
Our founding fathers understood human nature when they wrote the Constitution. Without proper checks and balances, any system will spin out of control.
Health Care Advocates, Inc. provides the oversight and consumer advocacy to keep the your medical bills in check!
Result - dramatically reduce healthcare costs for you and your family!.
Why You Need a Health Care Advocate
Open your bills and say, "Ahhh!"
CAP Enrollment Form
CAP Program - Questions and Answers
Are you a business owner
or HR director?
Health Care Advocates CAP Program is an excellent employee benefit that delivers tremendous value at very little cost to you or your employees! Over 3,200 companies including giants like GE, Home Depot and Citigroup have added health care advocacy to their benefits.
Need to raise money for your non-profit, church, charitable organization or youth group?
Money donations may be down due to the economy but saving money is always in style! Your organization can now raise money by helping your contributors save money on the cost of their health care. CAPing the Cause allows groups to offer the CAP program with no annual fee for a small donation, Your organization sees immediate income plus additional residual income every time a donor saves money on their medical dental or prescription costs!
© Healthcare Advocates, 2010
