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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.

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  • 1. Save on your Hospital & Medical Bills with The Family Care Hospital PatientAdvocacy Program
  • 2. Discover the
  • 3. Advantage! Whats Inside Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 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
  • 4. IntroductionAbout Family Care 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 The Family Care Association Healthcare Program is one of the three types of Program acquires and packages for Healthcare Programs used today in our consumers like you: US Healthcare System: • Hospital Savings through a Hospital • Government Medicare and Medicaid Patient Advocacy Center (PAC) • Major Medical HMO and PPO Insurance • Limited Health, Accident, and Term • Association Healthcare Life Group Insurance benefits, at no additional cost to you Like the other two types of Healthcare • Network Doctor Savings Programs, The Family Care Association • Healthcare Service Discounts Healthcare Program offers consumers, like you and 50 million Americans with no Healthcare services and group benefits healthcare coverage, substantial savings are provided through membership in on your healthcare expenses and more! 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. pg.2
  • 5. Letter From the CEODear 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 searchingI am pleased to report that Family for additional financial assistanceCare has a full- staffed Hospital programs. Our PAC Advocates havePatient Advocacy Center (PAC) of in many cases completely dismisseddedicated and capable Advocates, the entire hospital bills for ourwith over 20 years of cumulative members, saving them tens andexperience dealing with hospitals hundreds of thousands of dollars.nationwide. The PAC Advocateswill make every effort to lower ourmembers hospital and medical billsWe invite you to find out for yourself and enjoy the savings our PACProgram can bring you by substantially lowering your out-of-pockethospital and medical expenses.Thank you for your continued trust, Dr. Michael Rabie, CEO pg.3
  • 6. Less Stress and Out of Pocket Costs: Greater Peace of MindHospital Patient Advocacy Program The Family Care Hospital Patient All medical insurance plans involve both— Advocacy program (PAC) works on • a deductible that has to be met by behalf of members and their loved ones the individual or family before the plan by lowering their out-of-pocket expenses starts paying towards their hospital and on hospital and medical bills. Whereas medical bills, and the Family Care PAC program is designed • a co-insurance rate such as 60/40, to primarily help uninsured people, it 70/30, 80/20, 90/10, which means the applies equally to people who are covered patient typically pays 10-40% of their by medical insurance, including those hospital and medical bills. on Medicare. 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. pg.4
  • 7. Our PAC Advocates bring to you over 20 years of cumulativePAC Fights experience dealing with hospitals For You! 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.5
  • 8. The PAC Program at WorkGoing Above and Beyond 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 Health Insurance in Alexandria, VA. make every effort to lower our members Unfortunately, that is not all though; to bills, and when necessary, identify special add insult to injury, some hospitals even programs available to assist our members aggressively try to collect those inflated bills. with their hospital and medical expenses and obtain the best possible discount. Family Care and its PAC program hold the strong and firm belief that a patient should As mentioned above, the Family care not be subjected to the additional stress Hospital Patient Advocacy program is and anxiety of battling over the financial designed and used primarily to advocate on terms of his or her healthcare services. behalf and help the uninsured population Accordingly, PAC will go to work by in America, who typically are low-income negotiating with hospitals on behalf of the people. Outrageously, those low-income patient for the best possible discount. uninsured people, being not “represented and protected” by Managed Care or The success track record of the PAC program Medicare, end up being dramatically and is strong. Time after time members have grossly overcharged by hospitals. In some called in praising the PAC team and thanking cases they are being charged by hospitals them for their persistence and hard work. The several times (3 times is not uncommon) following are examples of such testimonials more than insured people would pay, proving once more that our Advocates according to The Council For Affordable passion really does make all the difference. pg.6
  • 9. A Family Care member in California, suffering from a terminalillness, was admitted to the ICU for over two months until hisunfortunate death. His wife was left with a $647,904.62 hospitalbill pushing her very close to filing for bankruptcy. Our PACAdvocates worked diligently on this case with both the hospital and itsaffiliated financial assistance programs, and were able four monthslater to have the entire bill completely written off. The survivingwife had to pay nothing, and was saved from what would have beenotherwise a life- devastating financial disaster.Our PAC Advocates worked diligently on this case with both the hospitaland its affiliated financial assistance programs, and were able four monthslater to have the entire bill completely written off. pg.7
  • 10. I write this letter to thank you for the savings I got through the help ofyour PAC specialists. You have no idea how much you helped meby taking so much money out of my $4,891.75 bills, that evenwith the $ 978.35 balance I’m still paying, I just pay $10.00 a monthand that is all I can afford. Imagine what it would have been if I hadto pay the whole amount of $4,891.75. So, thank you once again fromhe bottom of my heart and God bless all of you. I pray everyday forpeople like you and my prayers have been answered.Mrs. Nicolina V. – IndianaMember ID#: 989234109 pg.8
  • 11. 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 benefit 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. * The member had to pay only the $100 deductible of the Accidental Injury Protection bene t."PAC Advocates negotiated with the Orthopedic Surgery Center a 100% reduction on the $6,000 remaining balance." pg.9
  • 12. Member SavingsSavings You Can See 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 financial burdens of our members. The dedication and willingness of these Advocates are key factors in the way we conduct our business. pg.10
  • 13. MEMBER SAVED $18,410.67 A SAVINGS OF 91%Corpus Christi, TX 78413Patient Account #: xxxxx2879Amount: $20,237.79Re: Christus Spohn Health SystemDear Member,Christus Spohn Health System has been contacted regarding your servicesrendered on the above dates. They have agreed to a 91% discount from yourexisting 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 BillingDepartment at 562-904-5025, in the Patient Accounting Department at ChristusSpohn Health System for arrangements.If you have any questions regarding this, please call your Patient Advocacy Centerat 866-238-6597.Sincerely, Ivette YanezPatient Advocate pg.11
  • 14. MEMBER SAVED $39,703.33 ME PAID MBER A SAVINGS OF 100% : $0Norwalk, Ca 90650Patient Account #: xxxxx0015Amount: $39,703.33Re: Downey Regional Medical CenterDear Member,Downey Regional Medical Center has been contacted regarding your servicesrendered on the above dates. They have agreed to a 100% discount from yourexisting 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 BillingDepartment at 800-416-5212, in the Patient Accounting Department at DowneyRegional Medical Center for arrangements.If you have any questions regarding this, please call your Patient Advocacy Centerat 866-238-6597.Sincerely, Biljana MihailovicPatient Advocate pg.12
  • 15. MEMBER SAVED $10,254.64 A SAVINGS OF 93%Valencia, Ca 91354Patient Account #: xxxxx2879Amount: $11,004.64Re: Good Samaritan HospitalDear Member,Good Samaritan Hospital has been contacted regarding your services renderedon 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, andit is your responsibility to arrange for payment.Good Samaritan Hospital has asked that you contact Patient Billing Departmentat 213-977-2121, in the Patient Accounting Department at Good SamaritanHospital for arrangements.If you have any questions regarding this, please call your Patient Advocacy Centerat 866-238-6597.Sincerely, Biljana MihailovicPatient Advocate pg.13
  • 16. MEMBER SAVED $152,903.75 ME PAID MBER A SAVINGS OF 100% : $0Palisades Park, NJ 07650Patient Account #: xxxxx8290Amount: $152,903.75Re: Holy Name HospitalDear Member,Holy Name Hospital has been contacted regarding your services rendered onthe 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 Departmentat 201-833-3340, in the Patient Accounting Department at Holy Name Hospitalfor arrangements.If you have any questions regarding this, please call your Patient Advocacy Centerat 866-238-6597.Sincerely, Ivette YanezPatient Advocate pg.14
  • 17. MEMBER SAVED $35,085.40 A SAVINGS OF 75%Seguin, TX 78155Patient Account #: xxxxx9532Amount: $46,780.54Re: Texsan Heart HospitalDear Member,Texsan Heart Hospital has been contacted regarding your services rendered onthe 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 at210-736-8016, in the Patient Accounting Department at Texsan Heart Hospital forarrangements.If you have any questions regarding this, please call your Patient Advocacy Centerat 866-238-6597.Sincerely, Biljana MihailovicPatient Advocate pg.15
  • 18. MEMBER SAVED $58,933.90 ME PAID MBER A SAVINGS OF 100% : $0Flushing, NY 11354Patient Account #: xxxxx4799Amount: $58,933.00Re: Flushing Hospital Medical CenterDear Member,Flushing Hospital Medical Center has been contacted regarding your servicesrendered on the above dates. They have agreed to a 100% discount from yourexisting 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 BillingDepartment at 718-670-5377, in the Patient Accounting Department at FlushingHospital Medical Center for arrangements.If you have any questions regarding this, please call your Patient Advocacy Centerat 866-238-6597.Sincerely, Tatiana EspinosaPatient Advocate pg.16
  • 19. MEMBER SAVED $26,067.53 A SAVINGS OF 88%Abington, PA 19001Patient Account #: xxxxx4923Amount: $29,725.50Re: Abington Memorial HospitalDear Member,Abington Memorial Hospital has been contacted regarding your services renderedon 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, andit is your responsibility to arrange for payment.Abington Memorial Hospital has asked that you contact Patient BillingDepartment at 215-481-5777, in the Patient Accounting Department at AbingtonMemorial Hospital for arrangements.If you have any questions regarding this, please call your Patient Advocacy Centerat 866-238-6597.Sincerely, Connie ClarkPatient Advocate pg.17
  • 20. MEMBER SAVED $54,187.59 ME PAID MBER A SAVINGS OF 100% : $0Irving, TX 75061Patient Account #: xxxxx9542Amount: $54,187.59Re: Baylor Medical Center at IrvinDear Member,Baylor Medical Center at Irvin has been contacted regarding your servicesrendered on the above dates. They have agreed to a 100% discount from yourexisting 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 BillingDepartment at 718-670-5377, in the Patient Accounting Department atBaylor Medical Center at Irvin for arrangements.If you have any questions regarding this, please call your Patient AdvocacyCenter at 866-238-6597.Sincerely, Tatiana EspinosaPatient Advocate pg.18
  • 21. SUMMARY OF ADDITIONAL HOSPITAL SAVINGSLOCATION HOSPITAL BILLS MEMBER PAID SAVINGSHouston, 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%Rowland Heights, CA $647,904.62 $0.00 100%New York, NY $3,756.42 $2,066.03 45.0%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% pg.19
  • 22. Contact Us & Notes Contact Us & Notes CONTACT INFORMATION Corporate Of ce: Family Care 11111 Richmond Ave., Suite 200 Houston, TX 77082 Toll Free: 800.323.4057 Local: 713.270.1111 Fax: 713-270-1399 Marketing Department: Phone: 800.833.1453 Fax: 713.981.5217 Processing Fax: 713.400.0099 Claims Fax: 713.270.1424 New Accounts Fax: 713.400.0099 Hours Of Operations: Monday - Thursday 8:00AM - 7:00PM CST Friday 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. pg.20
  • 23. pg.21
  • 24. FC_PAC_SAVINGS_BOOK ENGLISH REV:12.08.200911111 Richmond Ave., Ste. 200 • Houston, TX 77082 www.FamilyCareIMA.com