Save Money on your Medical Bills with Medical Cost Advocate (MCA)

MCA can reduce your medical bills before or after treatment through professional negotiation.
Use MCA to save 20% to 50% on most medical or dental bills. Medical Cost Advocate is your
expert medical cost reduction partner. Bills must be a minimum of $250.00 to be considered.

To get started:

1. If you haven’t already downloaded your card, CLICK HERE to download and personalize
your ANR Savings Rx Drug & Health Services Discount Card.

2. Click this LINK.

3. Click "Get Started Now >>" to setup your personal account. Your Group Code is: ANR100

4. Enter your medical bill for risk-free savings.

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How Does It Work?

Medical Cost Advocate (MCA) billing experts negotiate your medical and dental bills before
or after treatment. You simply sign up for an account by clicking “get started now”. Make sure
you enter your ANR group code ANR100. Enter your next medical bill in 4 easy steps. All your information will be retained in your secured account for future use.

How Does Payment Work?

MCA will authorize (not charge) your credit/debit card to confirm you are able to pay
a reduced amount. When MCA save at least 10% they will facilitate paying the provider
for you and charge a success fee of 35% of the savings only. If there are no savings,
the service is free and your card will never be charged. It’s that simple.

What Bills Should be Entered?

Whether you are insured, uninsured or underinsured, enter almost any medical or dental bill
including out-of-network bills, uncovered procedures, coinsurance and deductibles. Your bill
should exceed $300 and you should have a copy of your bill or insurance EOB and a credit
card, when you input a bill.

What Bills Should not be Entered?

You should not enter a bill that you have negotiated or paid previously. You should not enter
bills from providers that have already granted discounts from your ANR Savings medical services
discount card. You should not enter a bill until after your insurer pays its portion (if applicable).

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Read More About Medical Cost Advocate at CNN Health

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MCA Success Stories

A student was temporarily in between insurance plans and starting school. She fell
ill and used emergency medical services and had to get multiple diagnostic tests.
The New York City hospital charges were high and included miscellaneous
overpriced and unnecessary charges. MCA completed a review of procedure codes
and a negotiation that ultimately eliminated unnecessary charges and saved the
customer $3,661.00 (55%).

We see many examples of patients that have insurance coverage, where all the
plan rules are followed and the patient goes to an “in – network”, covered provider.
To their surprise they receive lab readings, x-ray readings, anesthesia charges, etc.
that are billed as “out of network” charges and therefore at a lower reimbursement
rate. As a result, the patient pays a higher price for charges and is subject to
additional out of network deductibles and higher coinsurance rates.

Other Examples

A woman with cancer was healing from surgery in a nursing home in New Jersey.
The nursing home had been billing Medicare for services and allegedly not
getting reimbursed by Medicare. They sent the bills to her husband to pay directly.
An investigation showed that the nursing home ultimately were being re-imbursed
by Medicare and they were attempting to double bill. The facility ceased billing the
family directly.

A woman in California needed a special jaw surgery to correct multiple life
threatening problems. Only three physicians/hospitals in the country are able to
perform the specialized surgery. To get the procedure covered by the patient’s
insurance carrier she needed to get special authorization. At one of the specialty
hospitals in Texas the procedures will cost $56K, all upfront. If the procedures were
done in California at a non specialist hospital it would cost 1/8 as much. The patient
was unable to secure financing; MCA interceded in contacting insurance company
and secured an allowance for the specialist to be declared “in network”.

A patient in Illinois needed an in network procedure to remove a growth in the
abdomen. After the procedure the patient got a bill from an out of network
anesthesiologist that is several times what an in network anesthesiologist would
cost. The out of network Anesthesiology Group refused to negotiate and wanted
to bill full charges more than twice the in network rate.

A customer’s elderly mother in law had hip replacement surgery in Florida. The
elderly and foreign born patient could not get on Medicare or a health insurance
plan in the United States despite living here for 7 years. The catastrophic policy
she purchased had a lifetime maximum and paid for only about 8% of the procedure.
The elderly couple had considered bankruptcy. MCA reduced bills from $65K to
$28K by finding market oriented rates for the procedure.

A patient in New Jersey had a series of routine MRIs. Procedures were at an out
of network facility that does not accept negotiated discounts as payment from the
patient’s insurer. MCA negotiated a market rate saving the patient 25% the bills.

Air Ambulance – A client was transported to a hospital via air ambulance. The air
ambulance price was high and the insurance carrier adjusted the price a substantial
amount. MCA negotiated an additional 20% after the insurance adjustment.