Balance Bill Defense, Advocacy & Support
Unexpected medical bills are one of the biggest fears employees face and a major frustration for HR teams supporting them. The good news – balance bills are rare for our members.
Homestead dramatically reduces the likelihood of balance bills through our Clear the Path™ process, strong provider relationships, and expert negotiation strategies that keep disruption low.
Peace of mind for employers and their employees
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Expert knowledge of state laws and federal regulations
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Proactive member education
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End-to-end management powered by BillingNav® Technology
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Member advocacy and support
HOW IT WORKS
A proven, streamlined process that removes administrative burden from employers and stress from employees.
1.
Early Education to Prevent Issues
We educate members upfront about their rights, what to expect, and what to do if a bill looks wrong — reducing unnecessary anxiety and minimizing true balance bill cases.
2.
Immediate Intake & Verification
When a member notifies us, our Balance Bill Defense team quickly verifies the charges, confirms the member’s patient responsibility, and initiates the formal dispute.
3.
Automated Management Through BillingNav®
Our partner BillingNav® manages the full dispute cycle, including certified notices, itemized bill requests, documentation, e-signatures, and real-time status visibility through an online portal.
4.
Legal Defense at No Cost
If a provider escalates the dispute or attempts collections, specialized legal counsel steps in to defend the member — including credit reporting protection if needed.
5.
Advocacy Until the Case Is Closed or Settled
We stay with the member the entire way, providing monthly check-ins, continuous monitoring, and updates.
Homestead’s Balance Bill Defense delivers industry-leading outcomes.
<1%
claims result in balance bills, proving disruption is the exception, not the norm
$0
additional cost to the member or plan including all legal defense and credit-report protection
FAQs
Frequently asked questions
Who is BillingNav?
BillingNav is our partner in protecting health plans and participants from unfair medical charges They provide expert advocacy, negotiation and support for defending against balance bills, which includes, when needed, free legal representation by an independent law firm to defend against potential legal claims and collection efforts. They also ensure transparency and fairness in healthcare billing practices, addressing issues related to reference-based pricing and compliance with the No Surprises Act (NSA).
Can members be charged for any legal fees resulting from the balance bill process?
No. All legal services are provided free of charge until the billing dispute is resolved.
Have more questions?
