Health Payment Advocates (HPA)

Financial Advocates work on behalf of members to resolve issues with high out-of-pocket medical bills, or help in understanding and applying insurance benefits if they are faced with out-of-pocket liability of more than $500.

If a bill has been received and the member has difficulty in paying the amount, HPA will work with providers and members to find a solution. HPA solutions can include the negotiation of a payment program, enrollment in a charity care plan or execution of a discount for the patient’s portion of the medical bill. These services can be applied to any out-of-pocket medical expense regardless of the type of plan or service provided. On average members can expect a 25-30% savings from the amount they owe the provider.

How does HPA work?

Premium Plus members call a toll-free HPA phone line and speak to an intake specialist. The specialist will:

• Conduct a phone screening for service eligibility
• Collect contact information
• Obtain (or provide guidance to obtain) necessary claim information
• Provide HIPAA release form if required by provider
• “Triage” the member and insure the member is assigned to the best advocate (based on claim type, financial situation etc.)

Health Payment Advocates is fully compliant with all HIPAA
(Health Insurance Portability and Accountability Act) security
regulations. All HPA personnel follow the strictest security protocols.