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:
- 24/7 Crisis Help
- Stress & Mental Health
- Addiction Recovery
- Quit Smoking & Vaping Help
- Brain & Neuro Support
- Healthy Food on a Budget
- Free & Low-Cost Dental Care
- Free Clinics & Health Insurance
- Prescription Drug Help
- Vision & Hearing Care
- Medicare & Benefits
- Medical Bills Assistance
- Medical Debt Relief
- Serious & Chronic Illness
- Help for Caregivers
- Pet & Veterinary Help
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
Choose your tier
Start free, or pick the paid plan that fits your household
Every tier is laid out below so you can compare them side by side. Free costs nothing and just gets you on our list; paid membership is an annual donation to the Alliance, billed once a year — the monthly figure under each price is just for comparison, not a separate payment plan.
Free
- Free Healthcare Survival Guide, delivered instantly by email
- Nationwide low-cost resource directory
- Occasional email tips & resources
- Upgrade to a paid tier any time
Single
- 30-min Benefits & Coverage Orientation
- 15-guide Quick Guide library access
- Email navigation support
- Fundraising Support
- Nationwide low-cost resource directory
Couple
- 30-min Benefits & Coverage Orientation
- 15-guide Quick Guide library access
- Email navigation support
- Fundraising Support
- Nationwide low-cost resource directory
Family
- 30-min Benefits & Coverage Orientation
- 15-guide Quick Guide library access
- Email navigation support
- Fundraising Support
- Nationwide low-cost resource directory
Business
- Everything in Single, per enrolled employee
- Employee onboarding & annual orientation webinar
- A dedicated employer admin contact
Every paid tier includes
- One-time Benefits & Coverage Orientation (30 minutes)
- Access to the MBHA Healthcare Quick Guides library (digital)
- Ongoing basic navigation support — email intake, routed to the right assistance track
- Fundraising Support for medical issues insurance doesn’t cover
- Access to our nationwide resource directory — free/low-cost clinics, Rx help, dental, vision and more
- The Monthly Wellness Program, included at no extra cost
Billed separately, only when requested
- Document preparation — appeals, bill organizing, hardship letters: $20/hour, billed in 15-minute increments.
- Success fee: 10% of net funds actually received via a grant or fundraising campaign with MBHA’s documented involvement. MBHA never holds or routes member funds.
Not ready to pay?
Start free — get the Healthcare Survival Guide
No cost, no card, no obligation — we’ll email you the guide right away, and you can upgrade to a paid tier whenever you’re ready.
For employers
Offer it as a low-cost employee benefit
A $250 one-time setup, then $50/year per enrolled employee (3-employee minimum) — most small local employers couldn’t otherwise offer this kind of support.
Includes, per enrolled employee:
- Employee onboarding handout and an annual orientation webinar
- Employee access to Major Claim Support and the Quick Guides library
- A dedicated employer admin contact
- The Monthly Wellness Program for every enrolled employee
Set up your business plan
Employee count varies, so this routes to us directly rather than a self-serve checkout — we’ll follow up to confirm enrollment and send a Stripe invoice sized to your business.
Questions
What’s the difference between the free call and membership?
The free 15-minute call tells you what kind of problem your bill looks like and one next step. Membership is where MBHA actually does the itemized bill review, the appeals, the charity-care paperwork and the negotiation.
What if I need help with more than one bill?
Your membership covers ongoing navigation support for your household’s medical bill and insurance issues for the full year — document prep time is billed at $20/hour regardless of how many bills it covers.
Can I cancel?
Membership dues are refundable in full within 14 days of payment, as long as you haven’t yet used any billable services (your orientation call or document-prep hours). After 14 days, or once those services begin, dues are non-refundable and your membership stays active for the rest of the paid year — there are no partial refunds for cancelling mid-year. Memberships do not auto-renew: we’ll email you before your renewal date so you can choose whether to continue. Recommended policy — board/CPA sign-off pending
Is my payment tax-deductible?
Generally, no. Because members receive services in return for their dues — the orientation, ongoing navigation support, resource access — the IRS treats membership fees as a quid-pro-quo payment, not a deductible charitable contribution. Any amount you give above the membership price may be deductible; check with your tax preparer for your specific situation. Recommended language — CPA sign-off pending
Included with every membership
The Monthly Wellness Program
Every MBHA member gets a complimentary Clarity Call to find their starting point, then a monthly wellness coaching email from a certified Holistic Health & Lifestyle Coach, built around a simple, approachable theme — nutrition, movement, mindfulness, nature and connection.
- A free month of community membership — accountability, group challenges and shared support
- A complimentary Clarity Call, based on availability
- Discounted rates on 1:1 coaching, group programs and wellness events
Content is educational and motivational only, not healthcare. The coach does not diagnose or treat, and no personal health data is collected through this benefit — members with clinical needs are encouraged to seek appropriate care.
Disclaimers
- General Information: The information provided is for general purposes and is not a substitute for professional medical advice.
- No Guarantee of Results: While MBHA strives to assist members effectively, there is no guarantee of specific outcomes regarding medical bill reductions or claim approvals.
- Third-Party Services: MBHA is not responsible for the quality, outcome or pricing of services provided by third-party clinics or healthcare providers.
- Limitations of Services: Services are subject to availability and may vary based on geographic location and provider policies.
- Pricing Subject to Change: Membership fees and service pricing may change without prior notice.
See our full disclaimer for more on the educational nature of everything MBHA publishes.
Not sure yet?
Get a free 15-minute second look on your bill first — no cost, no obligation, and no pressure to join afterward.