Benefits for AFGE Members

When you join the union, you have access to these AFGE benefits. These benefits are backed by the collective strength of over 10-million members of AFL-CIO unions. By using one or two of the programs, many members save as much as their annual dues.

These Money-Saving Benefits are Available Only to AFGE Members:

Medical Bill Negotiating Service

The Union Plus Medical Bill Negotiating Service by Health Advocate provides AFGE members with large out-of-pocket medical bills FREE assistance negotiating bill reductions with physicians, hospitals and other medical providers. The Service negotiates with medical providers on the union member's behalf to lower costs and establish payment plans.

Requirements:

• You must be an AFGE member or an AFGE retired member.
• You must have at least one outstanding unreimbursed medical expenses of $400 from a single medical provider. But there's no limit on the number of medical providers with which the service will negotiate.
• Lifetime limit: one Medical Bill Negotiating Service membership per household
  

Eligible medical expenses:

When you calculate your unreimbursed medical expenses, you may include expenses incurred from physicians, dentists, hospitals, surgery centers, diagnostic service providers -- any medical provider. The Service attempts to negotiate any medical or dental bill regardless of insurance benefit status, including insured, underinsured, non-covered and out-of-network claims.

Do not include expenses that were covered by your (or your spouse/dependent's) health insurance.
Unreimbursed expenses of at least $400 per medical provider.

How to apply:

1. Collect the following: Documentation for your unreimbursed medical expenses of at least $400 per medical provider -- copies of medical bills or insurance Explanation of Benefit (EOB) forms.
2. Complete the online application form, sign and mail all required documentation.
3. Please allow 4-5 weeks for application processing.

_{updated 12/14/2009}

Access: This benefit is only available to members of AFGE. If you are a member of AFGE, please login to the Members Only section. If you are not a member, but would like to find out how to become one, please visit the Join AFGE section.

Do you see a mistake or inaccuracy in this page? Please report it.