Medical Bill Help
Studies show that 80% of all medical bills contain errors. Medical bills also often contain confusing codes and language that make it difficult for many people to review their bill for accuracy.
WellCard Health understands this challenge. So as part of our ongoing effort to help members reduce health care costs, we offer a medical bill help service to empower members with access to patient advocates with the knowledge and experience to save our members money on medical bills. The bill negotiating service we give our members access to has been saving insurance companies millions of dollars since 1985 In this way, our members get more affordable health care by using the same cost saving tools insurance companies have used for decades. This service is not insurance and does not replace insurance, nor does it affect the relationship between WellCard Health members and their medical providers. We call it WellCard Health. Our members call it empowering.
Our WellCard Health members enjoy access to the following advantages when it comes to medical bills:
- Average savings of up to 25% on medical bills
- Specially priced personal attention from bill negotiators who average more than 13 years of experience
- Review and negotiation eligibility on any medical bill over $200
- Risk free savings. No Savings, No Fee. There is no fee if we don't save money for our member.
- Negotiations available before and after the medical service is rendered.
Q. What types of claims do you negotiate?
A. WellCard Health's affordable health plan will negotiate any claim with a balance exceeding $200.00, from any medical provider in all 50 states.
Q. How does the service work?
A. Once a claim is entered into our database, the claim is analyzed based on billed charges for your geographic zip code. The claim is assigned to one of our experienced negotiators who will contact the provider and propose a settlement.
Q. What's next?
A. We secure a signed authorization form from the provider showing the provider agrees to the terms of our proposal. This letter is kept on file. Our WellCard Health member then receives a Transaction Summary via e-mail showing details of the negotiation.
Q. How is the service paid for?
A. Once we secure the signed authorization from the provider, a Transaction Summary is sent to our WellCard Health member via e-mail. The summary shows the details of our negotiation. The Transaction Summary also serves as a reminder for you to contact the medical facility and provide them with your credit/debit card information. Your card is then charged our fee, based on 35% of the amount saved...this means you keep 65%. We only charge if we can save you money on the claim. If we are unsuccessful, you will be responsible for paying the balance to the provider.
Q. What if I don’t have medical insurance?
A. It's not a problem. We negotiate the balance due on any claim exceeding $200.00. If a WellCard Health member doesn't have any insurance, he or she is responsible for the bill's full amount, and we will attempt to negotiate it on your behalf.
Q. How much of a discount do members expect?
A. The results of a negotiation varies based on several factors, including where the bill came from, how much it is for, and how old the bill is. Results are based on these criteria. That said, the average savings has exceeded 25% every year since 1985.
Q. Will my medical and financial information be secure?
A. Yes. We have chosen to follow HIPAA guidelines for the security and privacy of health data. Data transfer for both medical and financial information is protected by the highest grade SSL encryption*. Release and authorization forms are also HIPAA compliant.
Q. How long will it take?
A. We make contact with each provider within 24 hours of receiving our member’s claim. Delays may occur on the provider's end, but most negotiations are completed within 5 business days.
Q. Can I check the status of my negotiation?
A. Yes. WellCard Health members simply log into their personal profiles by providing a username and password. Members can access their profiles 24/7.
Q. My doctor or hospital is in my insurance company's network. Can you still negotiate?
A. Yes. With the cost of healthcare skyrocketing, it is not uncommon to have a balance exceeding $200.00 even if the claim is from an in-network provider.