Most medical bills of our members are paid at least 50% above Medicare reimbursement rates. Most doctors and hospitals are very pleased with this level of reimbursement. Providers typically bill more to insurance than they know they will get paid which means that the original bill is more than what they expect to receive. When this is the case with your bill, our qualified staff evaluate the bill against objective and reliable medical industry data and negotiate with the provider to reduce the bill. Our goal is to make sure that we are acting as good stewards of our members’ contributions by spreading that money as far as it will go.