savings guide
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www.dmejia.getfamilycare.com Less Stress and Out of Pocket Costs: Greater The Family Care Hospital Patient Advocacy program (PAC) works on behalf of members and their loved ones by lowering their out-of-pocket expenses on hospital and medical bills. Whereas the Family Care PAC program is designed to primarily help uninsured people, it applies equally to people who are covered by medical insurance, including those on Medicare. All medical insurance plans involve both— • a deductible that has to be met by the individual or family before the plan starts paying towards their hospital and medical bills, and • a co-insurance rate such as 60/40, 70/30, 80/20, 90/10, which means the patient typically pays 10-40% of their hospital and medical bills. Therefore, there will always be an out-ofpocket cost that the patient has to reckon with, and this is where the Family Care PAC program can come in handily to provide the needed help, as shown in the various actual examples discussed in this book. Costs: Greater Greater Peace of Mind.TRANSCRIPT
on your Hospital & Medical Bills with
The Family Care
Hospital Patient Hospital Patient Hospital Patient Hospital Patient Hospital Patient Hospital Patient Advocacy ProgramAdvocacy ProgramAdvocacy ProgramAdvocacy ProgramAdvocacy ProgramAdvocacy Program
on your Hospital & Medical Bills withSaveSaveSaveSaveSaveSave
Discover the Advantage!
Discover the Advantage!
What's InsideIntroduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . pg.2
Letter From the CEO . . . . . . . . . . . . . . . . . . . . . . . . . . . . pg.3
Hospital Patient Advocacy Program . . . . . . . . . . . . . . . pg.4
The PAC Program at Work . . . . . . . . . . . . . . . . . . . . . . . pg.6
Member Savings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . pg.10
Contact Us & Notes . . . . . . . . . . . . . . . . . . . . . . . . . . . .pg.20
pg.2
As the pioneer of medical discount and saving programs, we at
Family Care have made it our mission to provide our members
with high quality programs designed to save them money and
give them peace of mind. Our services are backed by our
dedicated customer service and some of the most reputable
Affiliates in the business.
The Family Care Association Healthcare
Program is one of the three types of
Healthcare Programs used today in our
US Healthcare System:
Government Medicare and Medicaid •
Major Medical HMO and PPO Insurance•
Association Healthcare •
Like the other two types of Healthcare
Programs, The Family Care Association
Healthcare Program offers consumers,
like you and 50 million Americans with no
healthcare coverage, substantial savings
on your healthcare expenses and more!
The Family Care Association Healthcare
Program acquires and packages for
consumers like you:
Hospital Savings through a Hospital •
Patient Advocacy Center (PAC)
Limited Health, Accident, and Term •
Life Group Insurance benefits, at no
additional cost to you
Network Doctor Savings•
Healthcare Service Discounts •
Healthcare services and group benefits
are provided through membership in
the National Association of Preferred
Providers (NAPP), a not-for-profit member
Association managed and administered
by Association Health Care Management,
Inc. (AHCM), d/b/a Family Care or Family
Care Texas.
Introduction
About Family Care
pg.3
Letter From the CEO
Dear Heathcare Customer,as much as possible, and make their
hospital stay more affordable and
manageable. The Advocates' limitless
efforts include negotiating substantial
discounts and easy payment plans
with hospitals, as well as searching
for additional financial assistance
programs. Our PAC Advocates have
in many cases completely dismissed
the entire hospital bills for our
members, saving them tens and
hundreds of thousands of dollars.
Dr. Michael Rabie, CEO
We invite you to find out for yourself and enjoy the savings our PAC Program can bring you by substantially lowering your out-of-pocket hospital and medical expenses.
Thank you for your continued trust,
I am pleased to report that Family
Care has a full- staffed Hospital
Patient Advocacy Center (PAC) of
dedicated and capable Advocates,
with over 20 years of cumulative
experience dealing with hospitals
nationwide. The PAC Advocates
will make every effort to lower our
members' hospital and medical bills
Hospital Patient Advocacy Program
pg.4
Less Stress and Out of Pocket
Costs: Greater
The Family Care Hospital Patient
Advocacy program (PAC) works on
behalf of members and their loved ones
by lowering their out-of-pocket expenses
on hospital and medical bills. Whereas
the Family Care PAC program is designed
to primarily help uninsured people, it
applies equally to people who are covered
by medical insurance, including those
on Medicare.
All medical insurance plans involve both—
a • deductible that has to be met by
the individual or family before the plan
starts paying towards their hospital and
medical bills, and
a • co-insurance rate such as 60/40,
70/30, 80/20, 90/10, which means the
patient typically pays 10-40% of their
hospital and medical bills.
Therefore, there will always be an out-of-
pocket cost that the patient has to reckon
with, and this is where the Family Care PAC
program can come in handily to provide
the needed help, as shown in the various
actual examples discussed in this book.
Costs:Costs: Greater Greater Greater Peace of Mind
pg.5
PAC Fights For You!
Our PAC Advocates bring to you
over 20 years of cumulative
experience dealing with hospitals
nationwide. So, in the event of a
major illness, you can count on PAC
to help you every step of the way,
from planing to billing; you get the
service and savings you deserve.
pg.6
PAC passionately trains and dedicates its staff of Advocates to
putting the patient first through communicating between hospitals
and members. Combining this passion with a non-adversial and
professional approach, the PAC team of Advocates works to
enhance long-term partnerships with the hospitals for the benefit
of our members.
The Hospital Patient Advocacy Center will
make every effort to lower our members'
bills, and when necessary, identify special
programs available to assist our members
with their hospital and medical expenses
and obtain the best possible discount.
As mentioned above, the Family care
Hospital Patient Advocacy program is
designed and used primarily to advocate on
behalf and help the uninsured population
in America, who typically are low-income
people. Outrageously, those low-income
uninsured people, being not “represented
and protected” by Managed Care or
Medicare, end up being dramatically and
grossly overcharged by hospitals. In some
cases they are being charged by hospitals
several times (3 times is not uncommon)
more than insured people would pay,
according to The Council For Affordable
Health Insurance in Alexandria, VA.
Unfortunately, that is not all though; to
add insult to injury, some hospitals even
aggressively try to collect those inflated bills.
Family Care and its PAC program hold the
strong and firm belief that a patient should
not be subjected to the additional stress
and anxiety of battling over the financial
terms of his or her healthcare services.
Accordingly, PAC will go to work by
negotiating with hospitals on behalf of the
patient for the best possible discount.
The success track record of the PAC program
is strong. Time after time members have
called in praising the PAC team and thanking
them for their persistence and hard work. The
following are examples of such testimonials
proving once more that our Advocates'
passion really does make all the difference.
The PAC Program at Work
Going Above and Beyond
pg.7
Our PAC Advocates worked diligently on this case with both the hospital and its affi liated fi nancial assistance programs, and were able four months later to have the entire bill completely written off.
A Family Care member in California, suffering from a terminal
illness, was admitted to the ICU for over two months until his
unfortunate death. His wife was left with a $647,904.62 hospital
bill pushing her very close to fi ling for bankruptcy. Our PAC
Advocates worked diligently on this case with both the hospital and its
affi liated fi nancial assistance programs, and were able four months
later to have the entire bill completely written off. The surviving
wife had to pay nothing, and was saved from what would have been
otherwise a life- devastating fi nancial disaster.
pg.8
I write this letter to thank you for the savings I got through the help of
your PAC specialists. You have no idea how much you helped me
by taking so much money out of my $4,891.75 bills, that even
with the $ 978.35 balance I’m still paying, I just pay $10.00 a month
and that is all I can afford. Imagine what it would have been if I had
to pay the whole amount of $4,891.75. So, thank you once again from
he bottom of my heart and God bless all of you. I pray everyday for
people like you and my prayers have been answered.
Mrs. Nicolina V. – IndianaMember ID#: 989234109
pg.9
A Family Care member in Texas had to have a reconstructive surgery
on his shoulder after being involved in a motorcycle accident. His
Family Care $2,000 Accidental Injury Protection group insurance
benefi t paid $1,900* towards his $8,000 medical bill, and the Family
Care PAC Advocates negotiated with the Orthopedic Surgery Center
a 100% reduction on the $6,000 remaining balance.
"PAC Advocates negotiated with the Orthopedic Surgery Center a 100% reduction on the $6,000 remaining balance."
The member had to pay only the $100 deductible of the Accidental Injury Protection bene� t.*
pg.10
The following Discount Success Letters show the power of the
PAC program, as well as the lengths our PAC Advocates go to,
to ease the fi nancial burdens of our members. The dedication
and willingness of these Advocates are key factors in the way
we conduct our business.
Member Savings
Savings You Can See
pg.11
Dear Member,
Christus Spohn Health System has been contacted regarding your services
rendered on the above dates. They have agreed to a 91% discount from your
existing bill.
Your original bill in the amount of $20,237.79 has been reduced to $1,827.12,
and it is your responsibility to arrange for payment.
Christus Spohn Health System has asked that you contact Patient Billing
Department at 562-904-5025, in the Patient Accounting Department at Christus
Spohn Health System for arrangements.
If you have any questions regarding this, please call your Patient Advocacy Center
at 866-238-6597.
Sincerely, Ivette Yanez
MEMBER SAVED
$18,410.67A SAVINGS OF
91%Corpus Christi, TX 78413
Patient Account #: xxxxx2879Amount: $20,237.79
Re: Christus Spohn Health System
Patient Advocate
MEMBER PAID:
MEMBER PAID:$0
pg.12
Dear Member,
Downey Regional Medical Center has been contacted regarding your services
rendered on the above dates. They have agreed to a 100% discount from your
existing bill.
Your original bill in the amount of $39,703.33 has been reduced to $0.00.
Downey Regional Medical Center has asked that you contact Patient Billing
Department at 800-416-5212, in the Patient Accounting Department at Downey
Regional Medical Center for arrangements.
If you have any questions regarding this, please call your Patient Advocacy Center
at 866-238-6597.
Sincerely, Biljana Mihailovic
Norwalk, Ca 90650
Patient Account #: xxxxx0015Amount: $39,703.33
Re: Downey Regional Medical Center
Patient Advocate
MEMBER SAVED
$39,703.33A SAVINGS OF
100%
pg.13
Dear Member,
Good Samaritan Hospital has been contacted regarding your services rendered
on the above dates. They have agreed to a 93% discount from your existing bill.
Your original bill in the amount of $11,004.64 has been reduced to $750.00, and
it is your responsibility to arrange for payment.
Good Samaritan Hospital has asked that you contact Patient Billing Department
at 213-977-2121, in the Patient Accounting Department at Good Samaritan
Hospital for arrangements.
If you have any questions regarding this, please call your Patient Advocacy Center
at 866-238-6597.
Sincerely, Biljana Mihailovic
Valencia, Ca 91354
Patient Account #: xxxxx2879Amount: $11,004.64
Re: Good Samaritan Hospital
Patient Advocate
MEMBER SAVED
$10,254.64A SAVINGS OF
93%
MEMBER PAID:
MEMBER PAID:$0
pg.14
Dear Member,
Holy Name Hospital has been contacted regarding your services rendered on
the above dates. They have agreed to a 100% discount from your existing bill.
Your original bill in the amount of $152,903.75 has been reduced to $0.00.
Holy Name Hospital has asked that you contact Patient Billing Department
at 201-833-3340, in the Patient Accounting Department at Holy Name Hospital
for arrangements.
If you have any questions regarding this, please call your Patient Advocacy Center
at 866-238-6597.
Sincerely, Ivette Yanez
Palisades Park, NJ 07650
Patient Account #: xxxxx8290Amount: $152,903.75
Re: Holy Name Hospital
Patient Advocate
MEMBER SAVED
$152,903.75A SAVINGS OF
100%
pg.15
Dear Member,
Texsan Heart Hospital has been contacted regarding your services rendered on
the above dates. They have agreed to a 75% discount from your extisting bill.
Your original bill in the amount of $46,780.54 has been reduced to $11,695.14,
and it is your responsibility to arrange for payment.
Texsan Heart Hospital has asked that you contact Patient Billing Department at
210-736-8016, in the Patient Accounting Department at Texsan Heart Hospital for
arrangements.
If you have any questions regarding this, please call your Patient Advocacy Center
at 866-238-6597.
Sincerely, Biljana Mihailovic
Seguin, TX 78155
Patient Account #: xxxxx9532Amount: $46,780.54
Re: Texsan Heart Hospital
Patient Advocate
MEMBER SAVED
$35,085.40A SAVINGS OF
75%
MEMBER PAID:
MEMBER PAID:$0
pg.16
Dear Member,
Flushing Hospital Medical Center has been contacted regarding your services
rendered on the above dates. They have agreed to a 100% discount from your
existing bill.
Your original bill in the amount of $58933.00 has been reduced to $0.00.
Flushing Hospital Medical Center has asked that you contact Patient Billing
Department at 718-670-5377, in the Patient Accounting Department at Flushing
Hospital Medical Center for arrangements.
If you have any questions regarding this, please call your Patient Advocacy Center
at 866-238-6597.
Sincerely, Tatiana Espinosa
Flushing, NY 11354
Patient Account #: xxxxx4799Amount: $58,933.00
Re: Flushing Hospital Medical Center
Patient Advocate
MEMBER SAVED
$58,933.90A SAVINGS OF
100%
pg.17
Dear Member,
Abington Memorial Hospital has been contacted regarding your services rendered
on the above dates. They have agreed to a 88% discount from your existing bill.
Your original bill in the amount of $29,725.50 has been reduced to $3,657.97, and
it is your responsibility to arrange for payment.
Abington Memorial Hospital has asked that you contact Patient Billing
Department at 215-481-5777, in the Patient Accounting Department at Abington
Memorial Hospital for arrangements.
If you have any questions regarding this, please call your Patient Advocacy Center
at 866-238-6597.
Sincerely, Connie Clark
Abington, PA 19001
Patient Account #: xxxxx4923Amount: $29,725.50
Re: Abington Memorial Hospital
Patient Advocate
MEMBER SAVED
$26,067.53A SAVINGS OF
88%
MEMBER PAID:
MEMBER PAID:$0
pg.18
Dear Member,
Baylor Medical Center at Irvin has been contacted regarding your services
rendered on the above dates. They have agreed to a 100% discount from your
existing bill.
Your original bill in the amount of $54,187.59 has been reduced to $0.00.
Baylor Medical Center at Irvin has asked that you contact Patient Billing
Department at 718-670-5377, in the Patient Accounting Department at
Baylor Medical Center at Irvin for arrangements.
If you have any questions regarding this, please call your Patient Advocacy
Center at 866-238-6597.
Sincerely, Tatiana Espinosa
Irving, TX 75061
Patient Account #: xxxxx9542Amount: $54,187.59
Re: Baylor Medical Center at Irvin
Patient Advocate
MEMBER SAVED
$54,187.59A SAVINGS OF
100%
SUMMARY OF ADDITIONAL HOSPITAL SAVINGS
LOCATION HOSPITAL BILLS MEMBER PAID SAVINGS
Houston, TX $6,653.50 $25.00 99.6%
Houston, TX $1,435.25 $489.39 65.9%
Glenwood Springs, CO $13,813.77 $105.00 99.2%
Golden, CO $2,516.00 $754.80 70.0%
Aurora, CO $9,000.00 $3,300.00 63.3%
New York, NY $3,756.42 $2,066.03 45.0%
Rowland Heights, CA
Houston, TX $1,003.00 $651.95 35.0%
Atlanta, GA $28,192.05 $5,638.41 80.0%
Anchorage, AK $11,575.75 $4,820.50 58.4%
Oshkosh, WI $3,587.29 $896.82 75.0%
St. Louis, MO $3,482.00 $1,741.00 50.0%
$647,904.62 $0.00 100%
pg.19
pg.20
CONTACT INFORMATION
Corporate Of� ce:
Family Care
11111 Richmond Ave., Suite 200
Houston, TX 77082
Toll Free: 800.323.4057Local: 713.270.1111Fax: 713-270-1399
Marketing Department:
Phone: 800.833.1453Fax: 713.981.5217
Processing Fax: 713.400.0099Claims Fax: 713.270.1424New Accounts Fax: 713.400.0099
Hours Of Operations:
Monday - Thursday
8:00AM - 7:00PM CSTFriday
8:00AM - 1:00PM CST
Company Closures:
Family Care of� ces are closed on
national holidays. For a list of these
holidays please visit our website at
www.FamilyCareIma.com and log
on to the Back-Of� ce. Click on the
resources tab to see Company
holidays and more.
Contact Us & Notes
Contact Us & Notes
pg.21
11111 Richmond Ave., Ste. 200 • Houston, TX 77082 www.FamilyCareIMA.com
FC_PAC_SAVINGS_BOOK-ENGLISH REV:12.08.2009