Health Advocate Services

A Personal Health Advocate is available to you and your dependents at no cost. Your Personal Health Advocate is a trained professional, typically a Registered Nurse, who understands the ins and outs of the health care system and how to navigate through it. The Personal Health Advocate helps you and your dependents coordinate care among doctors and medical institutions in various ways.

NurseLine™

NurseLine™ powered by Health Advocate™

You’re in good hands. You and your family have a place to turn to for trusted advice and information when you need it most. Rest assured—highly trained registered nurses are on-call 24/7 to answer your questions for non-urgent concerns. Nurses can offer self-care tips, direct you to the appropriate care for immediate attention or tell you how to ease common problems such as a sore shoulder. Whether your baby has a fever in the middle of the night, you think you have the flu or you need to discuss side effects of medications, call NurseLine.

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Medical Bill Saver™

Medical Bill Saver™ powered by Health Advocate™

Major issues can add up to major bills! Call Medical Bill Saver™ and rest easy. Experts who know the ins and outs of billing practices will attempt to negotiate discounts on your behalf. Negotiations can lead to a reduction in your costs.  Once an agreement is made, the provider signs off on payment terms and conditions. You’ll receive an easy-to-read personal Savings Results Statement, summarizing the outcome and payment terms.

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Medical Bill Saver™ powered by Health Advocate™

Major issues can add up to major bills! Call Medical Bill Saver™ and rest easy. Experts who know the ins and outs of billing practices will attempt to negotiate discounts on your behalf. Negotiations can lead to a reduction in your costs.  Once an agreement is made, the provider signs off on payment terms and conditions. You’ll receive an easy-to-read personal Savings Results Statement, summarizing the outcome and payment terms.

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Health Advocacy

Health Advocacy powered by Health Advocate™

Healthcare is becoming harder to understand. Personal Health Advocates help you find your way through insurance and healthcare systems. They can also locate doctors, specialists, hospitals, dentists and pharmacies. Advocates research treatments, resolve claims and provide medical explanations so you can make more informed decisions.

  • Untangle medical bills and insurance claims
  • Clarify benefits
  • Answer questions about tests, treatments and medications
  • Coordinate care among multiple providers
  • Assist with eldercare and related healthcare issues
  • Arrange second opinions
  • Transfer medical records
  • Negotiate payment arrangements with providers and find options for non-covered services
  • Provide information about generic drug options

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Health Advocate FAQ

What is Health Advocate?
The nation’s top health advocacy and assistance company. They serve as a liaison for members with healthcare providers, insurance plans and other health related resources. Health Advocate offers a broad range of services like help finding primary care, specialists and medical institutions and resolving claims, billing and related administrative problems. Health Advocate also helps members access local resources, including senior care services that fall outside traditional healthcare coverage.

How do members use Health Advocate?
Health Advocate is easy to use. Members call a toll-free number and explain their needs. When members call, a trained Personal Health Advocate reviews the problem and asks questions about the member’s overall healthcare situation. The goal is to help members and their family with their healthcare issues. During the first call to Health Advocate, a Personal Health Advocate or PHA, usually a registered nurse, is responsible for helping the member. PHAs are backed by a staff of medical directors and administrative experts. The member’s PHA can help with many related medical and administrative issues. For instance, PHAs help find qualified doctors and hospitals for complex needs. Members also get help with administrative, billing and claims issues, and information and resource support for members and their family. Health Advocate can help members, the member’s spouse, dependent children, parents and parents-in-law.

Why would a healthy person want to join?
Health Advocate is a highly personalized service. It is available to members who use the healthcare and insurance systems—healthy or ill. If a member moves to a new area, she or he may want help finding a doctor or dentist. Even a “well visit” may result in an unexpected claim. Other examples include members who are unsure of exactly what their health plan covers or a parent or parent-in-law may want help finding senior care. Health Advocate’s goal is to help members with any issues or questions about their healthcare or health insurance.

How can members be sure of the security of their information?
Health Advocate protects the privacy of all member health information. We fully comply with all appropriate provisions of the Health Insurance Portability and Accountability Act of 1996 (HIPAA), which addresses the privacy and confidentiality of all members’ information.

How can members be sure of the privacy of their information?
Health Advocate fully recognizes the importance of protecting members’ privacy. Health Advocate’s staff is trained to handle each case with the utmost confidentiality. Also, they follow protocols that comply with all governmental privacy standards to ensure that members’ medical and personal information is fully protected and confidential. During the first call, members will be asked to fill out and sign a Medical Authorization Form giving Health Advocate permission to start working on the member’s behalf. If a member calls for a dependent minor, the member must complete this form for them.

 

Health Advocate 2-Minute Member Video

 


Health Advocate 6-minute Member Video

 


Health Advocate 12-minute Member Video

 


DISCLOSURES

This discount card program is NOT insurance, not intended to replace insurance, and does not meet the minimum creditable coverage requirements under the Affordable Care Act or Massachusetts M.G.L. c. 111M and 956 CRM 5.00. It contains a 30-day cancellation period, provides discounts only at the offices of contracted health care providers, and each member is obligated to pay the discounted medical charges in full at the point of service. For a complete list of disclosures, please click here. | Limitations, Exclusions and Exceptions | Discount Plan Organization: New Benefits, Ltd., Attn: Compliance Department, PO Box 803475, Dallas, TX 75380-3475.

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Not available as a voluntary offering to VT residents.