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Q: Why would a health care provider (doctor or hospital, etc.) agree to accept less for its services?

A: Providers charge different rates depending on whether the patient is a member of an insurance network or not. Providers also charge different contracted rates to different insurance networks. Usually, if a patient goes to a doctor who is “out-of-network” (i.e. not a preferred provider of the patient’s insurance company), the doctor will bill that patient at a higher rate than he or she bills in-network patients. Therefore, providers’ billing offices have become accustomed to receiving calls from insurance adjusters seeking to settle medical claims.

Q: How much can I expect to save?

We have over 14 years of negotiating health care claims, and we usually save our clients 5% to 20% of their bill. We have reduced claims by as much as 90%. Our average savings is 20%. Our fee is 35% of savings. So you will realize savings of 65% of whatever we are able to save you. See Link 3 Example of Savings and Fees

Do I have to have insurance to use our services?

A: No. If you owe more than $1,000.00 in medical bills, we will review whether the provider’s charges were reasonable, regardless of whether you have insurance or not.

Q: Do I have to pay the provider and HHC Group by credit or debit card?

A: Yes. We will confirm that you have sufficient funds to pay your medical bill before we will call your provider to negotiate your claim. We must have the ability to verify to the provider that it will be paid promptly, and to do that, we must have your preauthorized credit card information for payment. If we are successful in reducing your bill, we will, with your authorization through your acceptance of the terms of the Agreement, Payment Authorization, and Release provide your credit card information to the provider for payment of the reduced amount. We will charge our fee to your card.

Q: Can I send H.H.C. Group claims from any state?

Yes. Our proprietary database has nationwide provider billing data due to our experience negotiating with providers in all 50 states. As a result, we can calculate fair and reasonable charges by zip code.


H.H.C. Group • 438 North Frederick Ave, #200A, Gaithersburg, MD 20877

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