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160 million

The number of Americans with employer-sponsored health insurance facing substantial increases in out-of-pocket costs.

$3,301

The number the U.S. Government predicts the average household will spend on out-of-pocket health care expenses in 2015.

77%

The percent of Americans who report having trouble understand their EOBs and medical bills.

17%

The percent of the U.S. population with an unpaid medical bill right now.

 
Plan Members
Need help with your medical bills?

Are you overwhelmed by your medical bills? Confused by information provided by your doctor or insurance company? Unable to pay the current amount due? See what our members say.  We can help!


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Plan Sponsors
Add value to your health plan.

TPAs, employers, and payers. Improve plan satisfaction and retention. Lower out-of-pocket expenses. Improved understanding of plans. Add value to benefit plans with high out-of-pocket expenses. 

 
 
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Brokers
Gain a competitive edge.

Opportunity for new revenue source. New and unique service offering to customers. Improve plan satisfaction and retention. Lower out-of-pocket expenses. Improve understanding of plans and cost obligations.


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Introduction

The increased cost of providing medical care has prompted many health plans and their members to adopt plan designs which increase the financial burden on the member. The U.S. government predicts that consumer out-of-pocket health care expenses will reach an average of $3,301 a year for each household by 2014 from $2,500 in 2009.

Health Payment Advocates (HPA) is a financial advocacy company dedicated to resolving problems and confusion surrounding the “patient portion” of medical bills.   HPA services can help a member reduce their out-of-pocket medical expenses either through a discount on their medical bill or the implementation of a payment plan.

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“Thank you so very much! Your service comes at a very hard time for me and knowing someone there to help lifts the load a lot!!!! I'll write and mail the 4 checks today.”
 

– HPA Customer more customer quotes