Employee Health Navigation Benefit

Medical bills are complicated.
Understanding them shouldn't be.

Most employees navigate healthcare alone — unsure of their coverage, unaware of available help, and confused by every bill they receive. MyBillOfHealth guides every employee through it, whether insured, underinsured, or uninsured.

  • Know what's covered — and why
  • Find help others miss — surfaced automatically
  • Pay only what's owed — line-by-line clarity
app.mybillofhealth.com — Employee Health Navigator
Dashboard
My Bills
Coverage
Assistance
Ask a Question
ER Bill — Riverside Medical
$3,200
Reviewing charges now
Actions Ready
3
All paperwork pre-filled
Bill Review
ReceivedReviewedActionsResolvedDone
Found on Your Bill
Billing error — Level 5 code may be overstated
2 assistance programs matched · pre-filled · $0 possible
Don't pay anything yet.
We found a billing error and 3 ways to lower what you owe. Paperwork pre-filled and ready.
Confused Overwhelmed Uncertain Afraid to call Frustrated Navigating alone
The Real Story

Most Employees Navigate Healthcare Completely Alone.

They don't understand what their plan covers. They don't know help exists. And when they get a confusing bill, they either pay whatever it says — or ignore it until it becomes a problem.

They don't understand the bill — so they call HR

When employees can't decode what they owe or what their plan covers, HR becomes the help desk. MBH answers those questions first, specific to their plan, at the moment they arise.

Billing errors go unchallenged

Wrongly denied claims and overstated codes get paid by default — because no one catches them before the employee pays.

Available help never reaches them

Charity care, state programs, nonprofit funds, and hardship options exist — but employees who qualify rarely find them without a guide.

How MyBillOfHealth Works

From Confusing Bill to Resolved Balance — Four Steps.

Four things MBH does for every employee, every time — whether they're insured, underinsured, or uninsured.

1

Explains medical bills in plain language

Coverage, deductibles, in-network rules — explained specific to the bill and their plan, at the moment it arrives.

2

Catches what shouldn't be there

Billing errors and wrongly denied claims surfaced before employees overpay — protecting them and your benefits program's credibility.

3

Surfaces every path to relief

Charity care, state programs, nonprofit funds, and hardship options matched automatically — so available resources actually reach employees.

4

Handles the paperwork

Forms pre-filled across every program before employees are asked for anything — no repetitive form entry.

What Every Employee Gets

Six Things Every Employee
Gets From Day One.

Regardless of coverage level — insured, underinsured, or uninsured — every employee on the platform gets the same complete experience.

Coverage
Coverage in Plain English
Their plan explained, specific to the bill in front of them — deductibles, copays, in-network rules, all in language that makes sense.
Your Balance Explained
Total charged$3,200
Your plan paid−$1,800
What you actually owe$1,400
Resources
Health & Financial Resources
Assistance programs most employees never discover on their own — charity care, state programs, nonprofit funds — surfaced automatically. Includes prescription cost optimization via GoodRx and CostPlusDrugs API, so employees always see the lowest available price for prescribed medications.
2 programs matched · pre-filled · $0 possible
All paperwork handled — ready to submit
AI
AI Guidance, Any Time
Bill and coverage questions answered 24/7 with accuracy and patience — before employees call HR.
Is this $3,200 ER bill even right?
Don't pay yet. We found a billing error and 3 ways to lower what you owe. Paperwork is pre-filled.
Payment
Every Payment Option Visible
Flexible plans, assistance, early-pay discounts, and uninsured rates — cost is never a dead end, regardless of coverage level.
Early-pay discount (10–30%)% Ready
Assistance programs · $0 possible✓ 2 matched
Coverage
Support for Every Coverage Level
Insured, underinsured, or uninsured — every employee gets clear guidance and real options, regardless of their plan situation.
✓
Insured — plan context + error detection
✓
Underinsured — assistance + discount paths
Uninsured — charity care + negotiated rates
Integration
Works Within Existing Benefits
Connects to health plans and portals employees already use — zero friction, no new logins, no rip-and-replace of what's working.
EnrollConnectLiveBillResolved
Real Scenario

An employee gets a $3,200 ER bill.
Here's what happens next.

Without MBH: they pay it, dispute nothing, and never find the assistance they qualify for. With MBH: the bill is reviewed, errors are caught, and every option is surfaced — paperwork pre-filled.

  • Don't pay anything yet

    Every charge is reviewed against their plan before MBH recommends any payment. Errors are found first.

  • Billing error found — dispute letter drafted

    Level 5 E&M code appears overstated. Dispute letter written and ready to send with one tap.

  • Early-pay discount requested (10–30% off)

    Request letter drafted and ready — if the employee can pay promptly, this path is surfaced automatically.

  • 2 assistance programs matched — $0 possible

    Charity care and hardship programs matched to this employee's situation, pre-filled, and ready to submit.

Explore a Partnership →
Riverside Medical Center
Emergency Services · Acct #48821-C · Aug 12, 2026
$3,200
Balance Due
Checking 4 charges against your plan — found a billing error and 3 ways to lower what you owe
ServiceCodeChargedStatus
Emergency Room Visit99285$1,850⚡ Dispute
Critical Care — IV Fluid99291$980✓ OK
Pharmacy — Medication—$280✓ OK
Facility Fee—$90✓ OK
The Navigation Gap

An Employee Who Understands Their Options
Doesn't Become Overwhelmed.

The calls to HR, the unpaid bills, the stress that bleeds into work — all of it traces back to the same root: employees navigating a complicated system with no guide. MBH is the guide.

They Call HR First

When employees don't understand a claim or don't know what their benefits cover, HR becomes the help desk. MBH answers those questions before the call is made.

Help Goes Unclaimed

Charity care, hardship funds, and state programs exist for employees on your plan — but they never reach the people who qualify because no one surfaces them.

Paperwork Becomes the Blocker

Even when employees know help is available, the forms stop them. MBH pre-fills every form across every program — before asking the employee for anything.

The Offer

Walk in your employee's shoes for 15 minutes.
See exactly what they experience — and what you're missing.

MyBillOfHealth guides every employee through the healthcare financial system — whether they're insured, underinsured, or uninsured. The result is fewer HR calls, less financial stress, and benefits programs that employees actually feel.

AI-Powered Health Navigation

Answers Questions,
Catches Errors, Finds Resolutions.

Employees get answers before they call HR — specific to their plan, specific to the bill in front of them, available 24/7 with accuracy and patience.

MBH
MyBillOfHealth
● Online · 24/7
I just got a bill for $3,200 from my ER visit. Is this even right? I can't afford this.
Don't pay anything yet. We're reviewing every charge on this bill right now.
Checking 4 charges against your plan… Found a billing error — and 3 ways to lower what you owe. Here are your options:
3 Actions Ready — All paperwork pre-filled⚡ A — Challenge billing error
Level 5 code may be overstated. Dispute letter drafted and ready to send.
Accurate · Patient · Available 24/7

Explains medical bills in plain language

Coverage, deductibles, in-network rules — explained specific to their plan, at the moment the bill arrives. Before they call HR.

Catches what shouldn't be there

Billing errors and wrongly denied claims flagged before employees overpay — protecting them and your benefits program's credibility.

Surfaces every path to relief

Charity care, state programs, nonprofit funds, and hardship options matched automatically — so help actually reaches the employees who need it.

Handles the paperwork

Forms pre-filled across every program before employees are asked for anything — no repetitive form entry, no dropped applications.

Employees ask:
Is this bill even right?What does my plan cover here?Do I qualify for any assistance?Can I dispute this charge?
Works Within Your Benefits Stack

Connects to Existing Health Plans
and Portals. Zero Friction.

MBH connects to the health plans and portals employees already use — no new logins, no rip-and-replace. Employees enroll once and the coverage context is live.

Your Benefits Portal
Existing Employee Experience
SSO Enrollment
Employees access via existing portal login
Plan Terms Synced
Live coverage context for every employee
Aggregate Reporting
Anonymous HR dashboard — zero individual health data
MyBillOfHealth
Employee Health Navigation Layer
Plain Language Explanation
Every bill decoded in plain language
Error & Denial Detection
Catches billing errors before employees pay
Assistance Matching
Charity care and programs — pre-filled and ready
Zero data sold — ever

Health data used only to help each employee

Overlays existing benefits

No rip-and-replace — works with what you have

Live in weeks

Employees enrolled and active fast

Built for Employees and Employers

Guidance for Every Employee.

When employees get clear answers and real options, they stop calling HR and start resolving. That's good for them — and measurable for you.

Employee Outcomes

  • Know what's covered — and why
    Every plan, every bill — explained in plain language specific to their situation. Confusion becomes confidence.
  • Pay only what's owed
    Line-by-line bill breakdowns showing what insurance paid and why — so no one overpays or walks away without answers.
  • Find help others miss
    Financial assistance, charity care, and community health options surfaced automatically — most employees never find these on their own.
  • Every coverage level supported
    Insured, underinsured, or uninsured — every employee gets clear guidance and real options. Cost is never a dead end.

Employer Outcomes

  • Fewer HR calls on billing questions
    MBH answers the question before employees reach HR — specific to their plan, specific to the bill, available 24/7.
  • Benefits program credibility protected
    Billing errors and wrongly denied claims caught before employees overpay — your program does what it's supposed to do.
  • Benefits employees actually feel
    When employees get real help navigating healthcare, they understand and value what you provide — improving retention and satisfaction.
  • Measurable program ROI
    Anonymous aggregate reporting tracks resolution rates, HR call reduction, and assistance matched — documented and actionable.
Employee Health Navigation Benefit

Walk in your employee's shoes
for 15 minutes.

Book the simulation and see exactly what your employees experience when a medical bill arrives — and what MBH does differently. It takes 15 minutes and changes how you think about your benefits program.

HIPAA Compliant Zero Data Sold Insured · Underinsured · Uninsured Works Within Existing Benefits