About Us

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One day's hospital stay can cost as much as $90,000.... that could take away your home, spin you into collections, leave you unable to work or worse.

If your employer doesn't offer affordable health insurance, how can you be expected to know which health care option is right for you and your family when there are so many? These options can include individual plans or Obamacare exchange plans, even plans sponsored by the State of California such as Healthy Families or Medicaid ...and how do you know if you're even eligible?

You could trust a voice on the telephone., and they won't care if you're under and over insured. In most cases, if they meet you, they'll never see you again.

That's where we come in.

We try to sit down and take time with you, walking you through a dangerous minefield. We not only identify what you want but what you also need -- and what you can afford. In the rare cases when your first choice doesn't work, we'll be there to make it better and help you choose wisely.

In the rare case that your first choice doesn't work, we'll be there to make it better.

Then, you'll have the confidence you have made the right choice.

 

 

 DirectLabs

One of the most expensive portions of any health care plan can be the copays for lab tests and imaging. That's the reason we have partnered with DirectLabs and WeCare to lower these costs for you.

For example, a complete blood count or CBC can cost upwards of a hundred dollars in a hospital but through DirectLabs, the same test is $59.

Moreover, a regular MRI can range between $1,800 and $3,200 and would be applied in some cases towards your deductible.  Using our service, we can often obtain the same imaging for $300.

For forms and information, please click the links above.

 

LifeLine Screening

Screening tests for chronic heart disease and other critical illnesses such as a stroke can save your life -- although they can dent your wallet.  LifeLine Screening can help take the guess work out of future treatments.  Use our code "AMOD-105" when scheduling appointments for deep discounts.


Dollar SignHelp with invoices and medical bills

We like to say, "American Health Advocates never goes away."  While that is not entirely true -- think of us hanging around outside your operating room -- we are there to help to negotiate your unexpected medical invoices as long as you have a policy which we helped to place.  But, if you weren't lucky enough to use our services, we can still assist you in determining what to pay and how to pay it.  These services will require a fee payment on your behalf and, while we cannot always guarantee success, we will do our utmost to make sure your costs are kept low.  Simply call us to discuss your needs.

Our Mission

With less than one year left before final implementation of what has become known as "Obamacare," changes are coming quickly. Rate changes among the various insurance carriers are just the beginning. By January of 2014, state exchanges should be inforce and everyone in the United States will be required to have an insurance policy or be faced with penalties. California has even launched an exchange website, Covered California, for consumers to begin the process of enrolling.

The good news is that if you can't afford the policy, the federal government will subsidize the cost of the premium.

The one thing that continues to remain constant is our commitment to you.

We continue to believe: "No one ever lost money trying to help their neighbors." We are advocates, not salesmen, that will show you every single health care plan that's available to you and your family. We will find the best for you without worrying about our commissions or bonuses.

We answer all questions without it costing you anything. Our mission: help you find the right choices whether it's a group plan, a state sponsored plan or an individual plan. Whether you need Medicare, Medicaid, Medi-Cal, major medical or even discounted or free medication, we will explain all of the fine print.

Then we stay by your side to ensure that the plan works as we all hope and expect... and if not, we help you make adjustments until we get it right. We help you find doctors, pay your bills and get your claims filed.

Even if you don't have a policy placed through our office, we can assist you with outstanding medical invoices for a reasonable fee. Call or email us for more information!