Major Claim Support Service

Before you join: MBHA is not medical, legal or tax advice. There is no outcome guarantee. MBHA never holds or routes member funds. This is a fee-for-service program that helps fund our free community education and outreach.

A membership program

Help when you need it most

Major Claim Support helps members across the United States navigate serious medical events and complex insurance issues, reduce medical bills, access free and low-cost care, and locate assistance programs — especially after emergency care, hospitalization, surgery, cancer treatment, complex diagnostics or ongoing chronic illness care, through education, grant writing and fundraising. Excess donations go into MBHA’s member health restoration fund.

Added member benefit: MBHA provides Fundraising Support for medical issues not covered by insurance.

How members get support

Three ways we help

Find Free & Low-Cost Health Services

We help members quickly locate affordable care options and assistance programs, including:

Free and low-cost clinics & community health centers
Sliding-scale primary care
Women’s health services
Behavioral health resources
Vaccines and preventive care
Local public health and community programs
Specialty care access pathways — charity care, teaching hospitals and referral networks, when available

Get Help Paying Your Medical Bills

Step-by-step support to reduce a bill’s burden and keep it out of collections:

Itemized bill review — duplicate charges, coding red flags, out-of-network issues
Insurance EOB vs. bill reconciliation
Charity care / financial assistance applications
Hospital discount programs
Negotiation prep — scripts, documentation checklist, escalation options
Payment plan setup that matches your capacity
Collections prevention support — timelines, documentation, dispute letters

Learn How to Eliminate Your Medical Bills & Debt

For members facing significant balances, a structured path through the debt-relief options available:

Charity care retroactive requests, where allowed
Hardship reconsideration
Appeals for denied claims
Out-of-network balance bill resolution pathways
Correction of billing errors
Medical debt relief education and referral pathways — nonprofit credit counseling, when appropriate
Medical debt dispute / validation letter templates — you send them, MBHA supports the documentation

What support looks like for a claim

Depending on your case, Major Claim Support can include:

Financial assistance / charity care submissions
Insurance appeals packet assembly
Provider billing office follow-up schedule
Pharmacy assistance program enrollment
Payment plan negotiation setup
Documentation organization

Resource library

The MBHA Healthcare Quick Guides

Members get a growing library of quick guides. Each one covers who it’s for, what to ask for, the documents you’ll need, step-by-step instructions, common pitfalls and when to escalate:

A preview — 5 Ways to Find Free & Low-Cost Dental Services:

Dental schools and hygiene programs — reduced-cost, supervised care
Community clinics with dental programs — sliding scale
Nonprofit dental events and pop-up clinics
Local public health dental resources — county programs, where available
Discount dental plans and negotiated-fee networks — not insurance, but often lower cost

Ready to join?

See every membership tier side by side and pick the one that fits your household, or start free with our Healthcare Survival Guide.

See Membership Plans & Pricing Start Free