Bill negotiation services puts years of health care and billing expertise to work for you. When you are facing a large bill from an out-of-network provider, negotiators are available to partner with you and your providers to make sure the amount billed to you is appropriate (which could reduce the amount you owe). In many cases, negotiations can help you save 20% or more.

If you don’t save any money through bill negotiation services, it’s totally free. If you do save money through the service though, you’ll pay 35% of your savings.

The bill negotiation services benefit is administered by Medical Cost Advocate (MCA). You do not need to enroll for coverage. When you have an out-of-network bill of at least $300, you can sign up and get started.

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