Back to All Products



Give employees a safety net. Bill Negotiation is a place to turn to when faced with unplanned medical or dental expenses.

Contact us to learn more:

Benefit Insights

Broker Incentives

Billing Assistance

How do we help? Medical bill experts contact doctors, dentists, hospitals, surgery centers, and other providers on employees’ behalf to negotiate discounts on the balance due and/or payment plans.

Payment Summaries

Obtain provider sign-off on payment terms and conditions. Provide a savings results statement summarizing the outcome.

Employee Education

Educate employees about the importance of visiting in-network providers and how they can maximize consumer-driven health plans.

Our experienced negotiators use fee benchmarking databases to help reduce non-covered medical and dental bills over $400, regardless of insurance or benefit status. They also use critical pricing trend information, including provider specialty, procedure type and geographic region to help in the negotiation process, often resulting in significant savings.

Bill Negotiation in Action: Member’s primary care doctor sent her samples of an out-of-network laboratory for processing, causing her to be billed for the entire amount. Since the carrier paid nothing on the claim, the negotiator contacted the lab and requested that they treat the member as self-pay. The lab agreed and reduced the balance due.

  • Total Charges: $1,327.50
  • Members Responsibility: $1,327.50
  • Amount Written Off: $663.75
  • Percent of Savings: 50%

Member Benefits

Payment Negotiation

You have access to a team that can negotiate balance due medical and dental bills – even work out manageable payment plans.

How Does It Work

If you have a healthcare or insurance-related issue, call our toll-free number. You’ll be assigned a Personal Health Advocate who works with you one-on-one to find solutions to time-consuming issues, such as sorting out billing concerns, finding qualified doctors, transferring medical records, finding eldercare and more.

No Service Costs

There is no cost to use our service and your privacy is protected. Our staff follows careful protocols and complies with all government privacy standards. Your medical and personal information is strictly confidential.

Anytime a member or employee has a medical bill over $400 not covered by their insurance, our skilled negotiation team will work with all providers to get a discount. Successful negotiations can save hundreds, and sometimes thousands, of dollars. They will learn from our experts how to use their benefits wisely in the future – such as using in-network providers. Members and employees will get immediate relief and your benefits will be more effective.

4 Consecutive Years

We're featured on Inc. 5000

Inc. magazine ranks Competitive Health, Inc. No. 163 on its annual Inc. 5000 Regional list, the most prestigious ranking of the nation’s fastest-growing private companies.

Read More