Medical Bill Negotiating Service

How to Access Member Benefits:

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.

Union Plus Medical Bill Negotiating Service 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 member’s behalf to lower costs and establish payment plans.


  • You must be a union member or retiree.
  • You must have at least one outstanding unreimbursed medical expense of $400 or more from a single medical provider. 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:

Health Advocate may not be able to negotiate on money that was supplied towards a deductible, coinsurance or co-pay. Deductibles, coinsurance, and co-pays are the member's contracted obligation with the insurance carrier.

Unreimbursed expenses must be at least $400 for each medical provider.

When your application is approved you will be notified by email. You will be advised to contact the medical negotiation service provider directly. You should be prepared to provide them with documentation of your unreimbursed medical expenses of at least $400 per medical provider, copies of medical bills, or insurance Explanation of Benefits (EOB) forms.

Toll-free Benefits Line:
(888) 844-2343

Programs are subject to change.

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