To save money on employee health care, more companies are offering free medical advocates.
They can offer enormous benefits, says Rosen, but many people don't know about them. Advocates can handle insurance claims, comparison shop, check for billing errors and negotiate expenses. According to Medical Billing Advocates of America, 8 out of 10 hospital bills contain billing errors, which can make using advocates worthwhile.
Advocates can also handle medical claims that were rejected by insurers. Your advocate can get them "untangled, reviewed and then covered," says Rosen.