Medical Bill Help

As a Americare Advantage member you are entitled to take advantage of our Patient Financial Liaison and Advocacy Plan. This service is not a discount program and no guarantee of its success is made. Once you or a member of your household (a dependant living under the same roof) incurs at least $1000 of total combined charges for a particular condition, disease, or accident for which you are having difficulty paying, call 877-277-0080. Our advocate intake personnel will help you assemble the necessary information for submission to one of our trained financial advocates.

Upon review of the information and an interview with you, the Patient Financial Advocacy Liaison (PAL) will prepare a plan of action and discuss it with you. If you agree, they will contact the provider or providers on your behalf and make every effort to reach a financial solution acceptable to you and the provider(s). These actions can and may include, reducing charges, applying for payment plan eligibility, accessing public and/or private programs and may even include forgiveness of certain charges. Each situation is different and the solution to each is tailored to accommodate the needs of the patient, his or her family and their particular financial situation.

Studies show that 80% of all medical bills contain errors. Medical bills often contain confusing codes and language which make it difficult for many people to review their bill for accuracy.

Americare Advantage understands this dilemma and has enrolled a medical bill help service to assist members. This service specializes in helping people save money on their medical bills.

Since 1985 this service has saved insurance companies millions of dollars by negotiating medical claims. Now individuals may access this service with the same cost saving tools that insurance companies have used for decades.


  • Discounts of 10-70% on medical bills.
  • Bill Negotiators average over 13 years experience.
  • Proprietary database includes results of thousands of successfully negotiated bills.
  • Any medical bill over $200 is eligible for review and negotiation.
  • Risk Free, No Fee.
  • Special pricing for WellCard Health members.
  • Special pricing for WellCard Health members.
  • Negotiations available before service is rendered as well as after the fact.
  • Is not insurance and does not replace insurance, nor does it affect your relationship with your medical provider.

Frequently Asked Questions

What types of claims to you negotiate?

We will negotiate any claim from any medical provider which has a patient balance exceeding $200.00.

Do you negotiate claims from my state?

Yes, we negotiate claims from providers in all 50 States.

How does the service work?

Once your 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 experience negotiators who contact the provider and propose a settlement.

Then what happens?

We secure a signed authorization form from the provider showing they agree to the terms of our proposal. This letter is kept on file. You then receive a Transaction Summary via email showing details of the negotiation.

Why is my credit card pre-authorized?

Just like when you reserve a hotel room, or when you rent a car, your credit card is verified to show your ability to pay. Once we have entered into an agreement with the provider, as a show of good faith, we agree to have the claim processed in a timely manner. Your card is only charged if we save money on the claim.

How is the service paid for?

Once we secure the signed authorization from the provider, a Transaction Summary is sent to you via email. 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, meaning 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.

Why do I need to call the medical facility?

Maintaining our clients trust is our number one priority. We have exceeded recommended security steps for inputting data onto this website. The best way to protect your identity and security is for you to provide the medical facility with your credit/debit card information.

What if I don't have medical insurance?

We negotiate your balance due on any claim exceeding $200.00. If you don't have any insurance, you are responsible for the full amount of the bill, and we will attempt to negotiate it on your behalf.

How much of a discount can I expect?

The results of a negotiation vary 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. Our average discount has exceeded 25% every year since 1985.

Will my medical and financial information be secure?

We have chosen to follow HIPAA guidelines, although we are not required by law to do so. Data transfer for both medical and financial information is protected by the highest grade SSL encryption*. Release and authorization forms are also HIPAA compliant.

How long will it take?

We make contact with each provider within 24 hours of receipt of your claim. Delays may occur on the providers end, but most negotiations are completed within 5 business days.

Can I check the status of my negotiation?

Yes, simply log into your personal profile by providing your user name and password. Access to your profile is available 24/7.

My doctor or hospital is in my insurance company's network, can you still negotiate?

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.

My doctor or hospital is in my insurance company's network, can you still negotiate?

No. We have been negotiating with healthcare providers for over 20 years. Over that time we have developed a unique negotiating style that brings out a win-win result for all involved parties.