www.dmejia.getfamilycare.com Less Stress and Out of Pocket Costs: Greater The Family Care Hospital Patient Advocacy program (PAC) works on behalf of members and their loved ones by lowering their out-of-pocket expenses on hospital and medical bills. Whereas the Family Care PAC program is designed to primarily help uninsured people, it applies equally to people who are covered by medical insurance, including those on Medicare. All medical insurance plans involve both— • a deductible that has to be met by the individual or family before the plan starts paying towards their hospital and medical bills, and • a co-insurance rate such as 60/40, 70/30, 80/20, 90/10, which means the patient typically pays 10-40% of their hospital and medical bills. Therefore, there will always be an out-ofpocket cost that the patient has to reckon with, and this is where the Family Care PAC program can come in handily to provide the needed help, as shown in the various actual examples discussed in this book. Costs: Greater Greater Peace of Mind.

1. Save on your Hospital & Medical Bills with
The Family Care
Hospital Patient
Advocacy Program

2. Discover the

3. Advantage!
What's Inside
Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . pg.2
Letter From the CEO . . . . . . . . . . . . . . . . . . . . . . . . . . . . pg.3
Hospital Patient Advocacy Program . . . . . . . . . . . . . . . pg.4
The PAC Program at Work . . . . . . . . . . . . . . . . . . . . . . . pg.6
Member Savings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . pg.10
Contact Us & Notes . . . . . . . . . . . . . . . . . . . . . . . . . . . .pg.20

4. Introduction
About Family Care
As the pioneer of medical discount and saving programs, we at
Family Care have made it our mission to provide our members
with high quality programs designed to save them money and
give them peace of mind. Our services are backed by our
dedicated customer service and some of the most reputable
Affiliates in the business.
The Family Care Association Healthcare The Family Care Association Healthcare
Program is one of the three types of Program acquires and packages for
Healthcare Programs used today in our consumers like you:
US Healthcare System: • Hospital Savings through a Hospital
• Government Medicare and Medicaid Patient Advocacy Center (PAC)
• Major Medical HMO and PPO Insurance • Limited Health, Accident, and Term
• Association Healthcare Life Group Insurance benefits, at no
additional cost to you
Like the other two types of Healthcare • Network Doctor Savings
Programs, The Family Care Association
• Healthcare Service Discounts
Healthcare Program offers consumers,
like you and 50 million Americans with no Healthcare services and group benefits
healthcare coverage, substantial savings are provided through membership in
on your healthcare expenses and more! the National Association of Preferred
Providers (NAPP), a not-for-profit member
Association managed and administered
by Association Health Care Management,
Inc. (AHCM), d/b/a Family Care or Family
Care Texas.
pg.2

5. Letter From the CEO
Dear Heathcare Customer,
as much as possible, and make their
hospital stay more affordable and
manageable. The Advocates' limitless
efforts include negotiating substantial
discounts and easy payment plans
with hospitals, as well as searching
I am pleased to report that Family for additional financial assistance
Care has a full- staffed Hospital programs. Our PAC Advocates have
Patient Advocacy Center (PAC) of in many cases completely dismissed
dedicated and capable Advocates, the entire hospital bills for our
with over 20 years of cumulative members, saving them tens and
experience dealing with hospitals hundreds of thousands of dollars.
nationwide. The PAC Advocates
will make every effort to lower our
members' hospital and medical bills
We invite you to find out for yourself and enjoy the savings our PAC
Program can bring you by substantially lowering your out-of-pocket
hospital and medical expenses.
Thank you for your continued trust,
Dr. Michael Rabie, CEO
pg.3

6. Less Stress and
Out of Pocket
Costs: Greater
Peace of Mind
Hospital Patient Advocacy Program
The Family Care Hospital Patient All medical insurance plans involve both—
Advocacy program (PAC) works on • a deductible that has to be met by
behalf of members and their loved ones the individual or family before the plan
by lowering their out-of-pocket expenses starts paying towards their hospital and
on hospital and medical bills. Whereas medical bills, and
the Family Care PAC program is designed
• a co-insurance rate such as 60/40,
to primarily help uninsured people, it
70/30, 80/20, 90/10, which means the
applies equally to people who are covered
patient typically pays 10-40% of their
by medical insurance, including those
hospital and medical bills.
on Medicare.
Therefore, there will always be an out-of-
pocket cost that the patient has to reckon
with, and this is where the Family Care PAC
program can come in handily to provide
the needed help, as shown in the various
actual examples discussed in this book.
pg.4

7. Our PAC Advocates bring to you
over 20 years of cumulative
PAC Fights experience dealing with hospitals
For You! nationwide. So, in the event of a
major illness, you can count on PAC
to help you every step of the way,
from planing to billing; you get the
service and savings you deserve.
pg.5

8. The PAC Program at Work
Going Above and Beyond
PAC passionately trains and dedicates its staff of Advocates to
putting the patient first through communicating between hospitals
and members. Combining this passion with a non-adversial and
professional approach, the PAC team of Advocates works to
enhance long-term partnerships with the hospitals for the benefit
of our members.
The Hospital Patient Advocacy Center will Health Insurance in Alexandria, VA.
make every effort to lower our members' Unfortunately, that is not all though; to
bills, and when necessary, identify special add insult to injury, some hospitals even
programs available to assist our members aggressively try to collect those inflated bills.
with their hospital and medical expenses
and obtain the best possible discount. Family Care and its PAC program hold the
strong and firm belief that a patient should
As mentioned above, the Family care not be subjected to the additional stress
Hospital Patient Advocacy program is and anxiety of battling over the financial
designed and used primarily to advocate on terms of his or her healthcare services.
behalf and help the uninsured population Accordingly, PAC will go to work by
in America, who typically are low-income negotiating with hospitals on behalf of the
people. Outrageously, those low-income patient for the best possible discount.
uninsured people, being not “represented
and protected” by Managed Care or The success track record of the PAC program
Medicare, end up being dramatically and is strong. Time after time members have
grossly overcharged by hospitals. In some called in praising the PAC team and thanking
cases they are being charged by hospitals them for their persistence and hard work. The
several times (3 times is not uncommon) following are examples of such testimonials
more than insured people would pay, proving once more that our Advocates'
according to The Council For Affordable passion really does make all the difference.
pg.6

9. A Family Care member in California, suffering from a terminal
illness, was admitted to the ICU for over two months until his
unfortunate death. His wife was left with a $647,904.62 hospital
bill pushing her very close to filing for bankruptcy. Our PAC
Advocates worked diligently on this case with both the hospital and its
affiliated financial assistance programs, and were able four months
later to have the entire bill completely written off. The surviving
wife had to pay nothing, and was saved from what would have been
otherwise a life- devastating financial disaster.
Our PAC Advocates worked diligently on this case with both the hospital
and its affiliated financial assistance programs, and were able four months
later to have the entire bill completely written off.
pg.7

10. I write this letter to thank you for the savings I got through the help of
your PAC specialists. You have no idea how much you helped me
by taking so much money out of my $4,891.75 bills, that even
with the $ 978.35 balance I’m still paying, I just pay $10.00 a month
and that is all I can afford. Imagine what it would have been if I had
to pay the whole amount of $4,891.75. So, thank you once again from
he bottom of my heart and God bless all of you. I pray everyday for
people like you and my prayers have been answered.
Mrs. Nicolina V. – Indiana
Member ID#: 989234109
pg.8

11. A Family Care member in Texas had to have a reconstructive surgery
on his shoulder after being involved in a motorcycle accident. His
Family Care $2,000 Accidental Injury Protection group insurance
benefit paid $1,900* towards his $8,000 medical bill, and the Family
Care PAC Advocates negotiated with the Orthopedic Surgery Center
a 100% reduction on the $6,000 remaining balance.
* The member had to pay only the $100 deductible of the Accidental Injury Protection bene t.
"PAC Advocates negotiated with the Orthopedic Surgery Center a 100%
reduction on the $6,000 remaining balance."
pg.9

12. Member Savings
Savings You Can See
The following Discount Success Letters show the power of the
PAC program, as well as the lengths our PAC Advocates go to,
to ease the financial burdens of our members. The dedication
and willingness of these Advocates are key factors in the way
we conduct our business.
pg.10

13. MEMBER SAVED
$18,410.67
A SAVINGS OF
91%
Corpus Christi, TX 78413
Patient Account #: xxxxx2879
Amount: $20,237.79
Re: Christus Spohn Health System
Dear Member,
Christus Spohn Health System has been contacted regarding your services
rendered on the above dates. They have agreed to a 91% discount from your
existing bill.
Your original bill in the amount of $20,237.79 has been reduced to $1,827.12,
and it is your responsibility to arrange for payment.
Christus Spohn Health System has asked that you contact Patient Billing
Department at 562-904-5025, in the Patient Accounting Department at Christus
Spohn Health System for arrangements.
If you have any questions regarding this, please call your Patient Advocacy Center
at 866-238-6597.
Sincerely, Ivette Yanez
Patient Advocate
pg.11

14. MEMBER SAVED
$39,703.33 ME
PAID MBER
A SAVINGS OF
100%
:
$0
Norwalk, Ca 90650
Patient Account #: xxxxx0015
Amount: $39,703.33
Re: Downey Regional Medical Center
Dear Member,
Downey Regional Medical Center has been contacted regarding your services
rendered on the above dates. They have agreed to a 100% discount from your
existing bill.
Your original bill in the amount of $39,703.33 has been reduced to $0.00.
Downey Regional Medical Center has asked that you contact Patient Billing
Department at 800-416-5212, in the Patient Accounting Department at Downey
Regional Medical Center for arrangements.
If you have any questions regarding this, please call your Patient Advocacy Center
at 866-238-6597.
Sincerely, Biljana Mihailovic
Patient Advocate
pg.12

15. MEMBER SAVED
$10,254.64
A SAVINGS OF
93%
Valencia, Ca 91354
Patient Account #: xxxxx2879
Amount: $11,004.64
Re: Good Samaritan Hospital
Dear Member,
Good Samaritan Hospital has been contacted regarding your services rendered
on the above dates. They have agreed to a 93% discount from your existing bill.
Your original bill in the amount of $11,004.64 has been reduced to $750.00, and
it is your responsibility to arrange for payment.
Good Samaritan Hospital has asked that you contact Patient Billing Department
at 213-977-2121, in the Patient Accounting Department at Good Samaritan
Hospital for arrangements.
If you have any questions regarding this, please call your Patient Advocacy Center
at 866-238-6597.
Sincerely, Biljana Mihailovic
Patient Advocate
pg.13

16. MEMBER SAVED
$152,903.75 ME
PAID MBER
A SAVINGS OF
100%
:
$0
Palisades Park, NJ 07650
Patient Account #: xxxxx8290
Amount: $152,903.75
Re: Holy Name Hospital
Dear Member,
Holy Name Hospital has been contacted regarding your services rendered on
the above dates. They have agreed to a 100% discount from your existing bill.
Your original bill in the amount of $152,903.75 has been reduced to $0.00.
Holy Name Hospital has asked that you contact Patient Billing Department
at 201-833-3340, in the Patient Accounting Department at Holy Name Hospital
for arrangements.
If you have any questions regarding this, please call your Patient Advocacy Center
at 866-238-6597.
Sincerely, Ivette Yanez
Patient Advocate
pg.14

17. MEMBER SAVED
$35,085.40
A SAVINGS OF
75%
Seguin, TX 78155
Patient Account #: xxxxx9532
Amount: $46,780.54
Re: Texsan Heart Hospital
Dear Member,
Texsan Heart Hospital has been contacted regarding your services rendered on
the above dates. They have agreed to a 75% discount from your extisting bill.
Your original bill in the amount of $46,780.54 has been reduced to $11,695.14,
and it is your responsibility to arrange for payment.
Texsan Heart Hospital has asked that you contact Patient Billing Department at
210-736-8016, in the Patient Accounting Department at Texsan Heart Hospital for
arrangements.
If you have any questions regarding this, please call your Patient Advocacy Center
at 866-238-6597.
Sincerely, Biljana Mihailovic
Patient Advocate
pg.15

18. MEMBER SAVED
$58,933.90 ME
PAID MBER
A SAVINGS OF
100%
:
$0
Flushing, NY 11354
Patient Account #: xxxxx4799
Amount: $58,933.00
Re: Flushing Hospital Medical Center
Dear Member,
Flushing Hospital Medical Center has been contacted regarding your services
rendered on the above dates. They have agreed to a 100% discount from your
existing bill.
Your original bill in the amount of $58933.00 has been reduced to $0.00.
Flushing Hospital Medical Center has asked that you contact Patient Billing
Department at 718-670-5377, in the Patient Accounting Department at Flushing
Hospital Medical Center for arrangements.
If you have any questions regarding this, please call your Patient Advocacy Center
at 866-238-6597.
Sincerely, Tatiana Espinosa
Patient Advocate
pg.16

19. MEMBER SAVED
$26,067.53
A SAVINGS OF
88%
Abington, PA 19001
Patient Account #: xxxxx4923
Amount: $29,725.50
Re: Abington Memorial Hospital
Dear Member,
Abington Memorial Hospital has been contacted regarding your services rendered
on the above dates. They have agreed to a 88% discount from your existing bill.
Your original bill in the amount of $29,725.50 has been reduced to $3,657.97, and
it is your responsibility to arrange for payment.
Abington Memorial Hospital has asked that you contact Patient Billing
Department at 215-481-5777, in the Patient Accounting Department at Abington
Memorial Hospital for arrangements.
If you have any questions regarding this, please call your Patient Advocacy Center
at 866-238-6597.
Sincerely, Connie Clark
Patient Advocate
pg.17

20. MEMBER SAVED
$54,187.59 ME
PAID MBER
A SAVINGS OF
100%
:
$0
Irving, TX 75061
Patient Account #: xxxxx9542
Amount: $54,187.59
Re: Baylor Medical Center at Irvin
Dear Member,
Baylor Medical Center at Irvin has been contacted regarding your services
rendered on the above dates. They have agreed to a 100% discount from your
existing bill.
Your original bill in the amount of $54,187.59 has been reduced to $0.00.
Baylor Medical Center at Irvin has asked that you contact Patient Billing
Department at 718-670-5377, in the Patient Accounting Department at
Baylor Medical Center at Irvin for arrangements.
If you have any questions regarding this, please call your Patient Advocacy
Center at 866-238-6597.
Sincerely, Tatiana Espinosa
Patient Advocate
pg.18

21. SUMMARY OF ADDITIONAL HOSPITAL SAVINGS
LOCATION HOSPITAL BILLS MEMBER PAID SAVINGS
Houston, TX $6,653.50 $25.00 99.6%
Houston, TX $1,435.25 $489.39 65.9%
Glenwood Springs, CO $13,813.77 $105.00 99.2%
Golden, CO $2,516.00 $754.80 70.0%
Aurora, CO $9,000.00 $3,300.00 63.3%
Rowland Heights, CA $647,904.62 $0.00 100%
New York, NY $3,756.42 $2,066.03 45.0%
Houston, TX $1,003.00 $651.95 35.0%
Atlanta, GA $28,192.05 $5,638.41 80.0%
Anchorage, AK $11,575.75 $4,820.50 58.4%
Oshkosh, WI $3,587.29 $896.82 75.0%
St. Louis, MO $3,482.00 $1,741.00 50.0%
pg.19

22. Contact Us & Notes
Contact Us & Notes
CONTACT INFORMATION
Corporate Of ce:
Family Care
11111 Richmond Ave., Suite 200
Houston, TX 77082
Toll Free: 800.323.4057
Local: 713.270.1111
Fax: 713-270-1399
Marketing Department:
Phone: 800.833.1453
Fax: 713.981.5217
Processing Fax: 713.400.0099
Claims Fax: 713.270.1424
New Accounts Fax: 713.400.0099
Hours Of Operations:
Monday - Thursday
8:00AM - 7:00PM CST
Friday
8:00AM - 1:00PM CST
Company Closures:
Family Care of ces are closed on
national holidays. For a list of these
holidays please visit our website at
www.FamilyCareIma.com and log
on to the Back-Of ce. Click on the
resources tab to see Company
holidays and more.
pg.20

23. pg.21

24. FC_PAC_SAVINGS_BOOK ENGLISH
REV:12.08.2009
11111 Richmond Ave., Ste. 200 • Houston, TX 77082 www.FamilyCareIMA.com