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Municipal employees should receive the full benefit of their health insurance plan. Navigating that plan and understanding its benefits can be complicated and time-consuming. Health Advocate gives municipal employees access to an experienced professional who can help them handle any issues or questions they may have about their health insurance. Health Advocate is not a medical provider or an insurance company: it is an independent voice for insured people who seek help with today's complex healthcare system. Employees call a single toll-free phone number to get answers to questions and assistance resolving issues, which saves a lot of time spent away from their work duties.

Health Advocate employees have experience in the medical and insurance fields and can answer questions and help resolve problems related to:

  • Claims Assistance
  • Billing
  • Covered Services
  • Treatment Options
  • Getting Appointments with Busy Specialists
  • Coordinating Care Among Multiple Providers
  • and much more!

Here's how it works: Trained advocates are available 24/7 by phoning 866-695-8622 or emailing answers@healthadvocate.com. If you are a subscriber, when you call with a question or problem, you are assigned a Personal Health Advocate (PHA) who begins helping right away and sees the issue through to completion. PHAs are typically registered nurses supported by medical directors and benefits and claims specialists. They’ll help you understand complex medical conditions, find medical specialists, address eldercare issues, clarify insurance coverage, look into claim denials, and help negotiate medical bills, among other things. Your PHA can cut through the red tape, talk to your doctors and insurance company, and quickly get to the heart of your issue.

VERB offers low group rates on Health Advocate's Core Advocacy services. Current VERB members that were Health Trust members on 12/31/2013 receive these services at no additional cost.

To learn more about Health Advocate or to buy Health Advocate's core advocacy services à la carte, contact Kelley Avery, Health Benefit Programs Administrator, at 1-800-649-7915 or kavery@vlct.org.