The systems designed to support you — healthcare, insurance, government benefits — are built for institutions, not people. Healthvocate puts an expert advocate in your corner: drafting appeals, catching billing errors, finding what you're owed, and handling the complexity so you don't have to.
Free to see what you'd save. Then $5 per result, or $19–29/mo for a plan.
Nothing to commit to up front — the savings show up before you pay. Recover one denied claim, catch one billing error, or claim one benefit you were missing, and it can be worth far more than you paid to find it.
No credit card required.
Each takes a few minutes to use, and can save you hundreds or thousands of dollars per year.
Get every benefit, subsidy, and Social Security or Medicare advantage you qualify for — and stop leaving money on the table.
Upload a pay stub and we read your income straight in — or enter it by hand — then check your household, income, and situation against every federal and state assistance program — Medicaid, SNAP, LIHEAP, ACA, VA, prescription assistance, utility help — and walk you through how to apply. With your approval, drafts the application.
Upload your Social Security statement and we read your benefit estimate straight in — then model claiming ages from 62 to 70 against your earnings record, household, and health. Identifies the strategy projected to maximize lifetime payout. Flags SSDI eligibility if your situation has changed.
Approaching 65? Compares Part A/B/C/D options and Medigap-vs-Advantage trade-offs against your medications, doctors, and IRMAA bracket. Annual Open Enrollment reminders keep you from drifting into the wrong plan.
Turn a denial into approved care — draft the appeal, hold every deadline, and escalate to an independent reviewer your insurer is bound to honor.
Upload a denial letter and we read the details straight in — insurer, what was denied, reference number, and deadline — or add it by hand. Every insurance denial and its appeal deadline live in one place, so a missed deadline never quietly costs you the appeal. When you're ready to fight one, jump straight into the tool that drafts it.
Insurance denied a procedure or medication? Drafts the appeal citing the relevant policy language, clinical guidelines, and your specific medical history — formatted for the review panel. Submitted only with your e-signature.
Your plan upheld a denial on internal appeal? An independent reviewer can take a fresh look — and the decision is binding on your insurer. We pin down the right process for your exact plan — it works differently for self-funded, marketplace, Medicare, and Medicaid coverage — flag your filing deadline, and draft the request for you to sign and send.
Pay only what you actually owe — catch the billing errors, illegal surprise charges, and inflated balances that quietly drain you.
Reads itemized bills and EOBs line by line. Flags duplicate charges, upcoded procedures, and out-of-network surprises that may violate the No Surprises Act. Drafts the dispute letter — you review and sign.
Paste a medical bill or EOB and we'll flag charges the No Surprises Act may protect you from — surprise out-of-network bills from emergencies, in-network hospitals, or air ambulances — and show you exactly how to push back.
Paste an Explanation of Benefits and get it back in plain English — what your plan paid, what you actually owe and why, what each code means, and which lines are worth questioning. An EOB isn't a bill; understand it before you pay a cent.
Pay less for prescriptions and equipment, and tap charity care and copay programs that can erase what's left.
Upload a prescription, pharmacy receipt, or medication list as a PDF or photo and we read your medications automatically — then for each one, compares prices across pharmacies, manufacturer assistance programs, discount cards, and therapeutic alternatives, sorted by what saves you the most.
Comparison-shop CPAPs, glucose monitors, mobility aids, hearing aids, and other medical equipment across major sellers — flags items that are currently on sale and links you directly to each listing.
Tell us your situation and we'll surface programs that help pay for care and prescriptions — hospital charity care, manufacturer assistance, copay grants, sliding-scale clinics, and more — with who qualifies and exactly how to apply.
Show up to every appointment prepared, weed out providers with red flags, and let the paperwork fill itself — less hassle, better care.
Searches the national provider directory by specialty and location. Each result is screened against the HHS-OIG exclusion list (no exclusion on record is not a guarantee, but it's a meaningful filter most directories don't apply). Bookmark candidates as you shortlist.
Upload an after-visit summary and we read your conditions, medications, and allergies straight in — or add them by hand. Then generates a clean one-page visit summary for any appointment — your active conditions, current medications, recent activity, and emergency contacts — so you don't walk in trying to remember everything. Print it or pull it up on your phone.
Upload any blank form — intake, registration, surgery, check-in — as a PDF or photo, and we place the details you've already entered right onto it: name, date of birth, insurance, medications, allergies. Drag anything that's off, then print. We never fill a Social Security Number.
Every tool here points at the same thing: money you're owed but never claimed, or money you're quietly overpaying. The savings have always been there — what's scarce is the time, the expertise, and the patience to go get them. That's what a membership buys.
Overturned denials, approved benefits, charity care and copay grants, and a Social Security claim timed for the biggest lifetime check. Whole categories of help go unclaimed simply because no one walks people through them.
Billing errors, surprise out-of-network charges, prescription prices you didn't have to pay, and a Medicare or marketplace plan that actually fits your doctors and drugs. Small leaks, every month, that add up to real money.
Billing advocates take a cut of whatever they recover. Brokers and consultants bill by the hour or on commission. Healthvocate is a flat monthly fee — and you keep every dollar you save.
Free to see what you'd save. Then $5 per result, or $19–29/mo for a plan.
Nothing to commit to up front — the savings show up before you pay. Recover one denied claim, catch one billing error, or claim one benefit you were missing, and it can be worth far more than you paid to find it.
If you write a newsletter, run a community, or have an audience that overlaps with ours — older adults, caregivers, people fighting insurers, retirees planning Medicare — refer them with a unique link. When a referral becomes a paying member, you earn 20% of their subscription for 12 months, paid through Stripe after each commission clears its holding period.
FTC disclosure rules apply. Application required. Full terms on the Affiliate Program page after you sign up.
Set up your profile once. Every tool works from the same data, every time.
Healthvocate isn't a black box. The same know-how behind the tools is in our plain-English guides — how to appeal a denial, when to claim Social Security, how to audit a bill, where unclaimed benefits hide. Read them free, whether or not you ever sign up.
A denial isn't the end. The exact steps to appeal a denied claim — and the citations insurers can't ignore.
Read the guide →Bills are often wrong. A step-by-step error hunt, the most common overcharges, and how to dispute what you find.
Read the guide →Claiming age sets your check for life. See 62 vs. full vs. 70 at a glance — and what to weigh for your situation.
Read the guide →Help goes unclaimed every year — food, prescriptions, Medicare costs, utilities. Where it hides, and where to start.
Read the guide →Most people never compare plans. The yearly review that keeps you from overpaying on autopilot.
Read the guide →Ways to pay less at the pharmacy — safely — plus the free places to find prescription savings.
Read the guide →Create your free account. No credit card required.
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