My MediBill knows and understands that medical bills are complicated, but with My MediBill, they don’t have to be. We make it easy to put medical bills behind you. Here’s how our process works: Tell us more about your bills and the care you received. Your Advocate will then dive into the details of your situation and create a customized plan to maximize your savings and organize your bills. They’ll also take over communications with the hospital and insurance companies so you can focus on living your life. We’ll keep you updated along the way to ensure you always know what’s going on. Once we’ve secured savings for you, you’ll receive a discounted bill, which you’ll pay directly with the hospital. Finally, you’ll receive My Medibill's bill for a percentage of your total savings.

The bill resolution process can vary based on your unique circumstance and on the responsiveness we receive from insurance companies and hospitals. On average, it takes about 4 months to resolve a bill.

Protecting your credit is important to us. We will do all we can to help remove medical bills from your credit report and prevent existing bills from affecting your credit score.

Under our monthly subscription plan, your dedicated Advocate will review all of your existing and incoming medical bills to identify duplicate charges, errors, and inflated pricing. If there are other issues, such as wrongfully denied claims, we’ll work directly with the hospital and insurance companies to get to the bottom of them.

Your situation is unique, and your path to savings will be too. We’ll learn as much as we can about your situation and look at every potential solution to formulate a customized solution to get you the most savings possible. Often we’ll use one or a combination of the following three methods: Insurance Appeals: We will review your policy and EOBs when necessary to make sure nothing was missed. When applicable, we’ll contact your insurance company and handle the appeals process for claims wrongfully denied. Financial Aid: Most hospitals offer help for patients with enormous bills. We’ll look to see if there are any options available to you here. Negotiations: We’ll review your bills for errors, duplicate charges, and inflated pricing. Then, we’ll go to bat for you to ensure you don’t pay more than you should. We’ll escalate your case as high as the CFO or CEO of the hospital if that’s what it takes!

Your privacy and security is of utmost importance to us. All customer information is stored in an encryption software that protects Personal Health Information (PHI) in accordance with Health Insurance Portability and Accountability Act's (HIPAA) Privacy and Security Rules of any of the 18 elements Identified by HIPPA.

We offer a subscription options for individuals, couples, and families.

Our job is to keep as much of your hard earned money in your pocket and not the Hospital or Insurance Companies pocket. On average, we save our clients 60% off of their bill, but we have been able to eliminate entire bills for others. Your personal savings will depend on your specific circumstances. We’ll create a custom plan specific to your situation to maximize your savings.

The monthly price you’ll pay will be determined by Individual, Couples, or Family. It is a monthly price Individual $11.99, Couple $19.99, & Family (3 or more) $26.99. As a member if we are able to secure savings for you, you will be charged 10-25% of your total savings, depending on the size of the original bill. You receive our support for incoming bills the date of activation of your monthly subscription for the duration of your subscription, plus 10%-25% of your total savings. If you’d rather speak with one of our Advocates first, you can do so by scheduling a free consultation by calling (727) 741-5682.

To get started, you’ll need to provide us with copies of your Medical Bills and Insurance ID cards as well as a copy of your evidence of coverage. It’s also helpful if you can provide any other important billing statements, EOBs, documents, or letters that you’ve received from your hospital, doctors office, or insurance company concerning your medical bills.

Coordinate Care (help make doctor appointments) Help find new providers if needed (primary or specialist) Help make sure you are going to providers in network Provide assistance in making sure you have the appropriate Health Insurance for your wants and needs Update information to the Federal MarketPlace such as: current address, income change, household status change, Special Enrollment Periods, Open Enrollment Period, ect... (done by licensed health insurance agents that are certified enrollers in accordance with CMS rules and guidelines with approved CMS consent form) Explain how your Health and Life Insurance works Educate our clients on the American Healthcare System Spread positivity with a smile in person or over the phone

Medical bills can often be a source of significant stress. They are typically complex to understand, filled with unfamiliar codes, terminologies, and at times, jarring numbers. The confusion can be compounded when insurance claims and policies are factored in. A patient advocate has the necessary knowledge and skills to dissect your medical bills. They can decode medical billing codes and verify each line item against the medical care received. This helps in identifying any potential billing errors, such as duplicates or charges for procedures that were not performed, which are unfortunately quite common. If they do find discrepancies or errors on your bill, advocates know exactly how to dispute these charges with healthcare providers or insurance companies on your behalf. They are well-versed in the art of negotiation and have a deep understanding of how the billing system works. A patient advocate can help you understand your health insurance coverage in depth, providing clarity on which services are covered, the extent of coverage, and any out-of-pocket costs you may be responsible for. They can also liaise with the insurance company to resolve claim denials or disputes. In situations where medical bills are overwhelming, advocates can assist in negotiating a reduction of the bills with the healthcare provider or hospital. They can also connect you to financial assistance programs or suggest feasible payment plans based on your financial capabilities. Advocates also teach while they work, and your advocate can educate you on how to prevent high bills in the future. This could involve guidance on preventive care, understanding in-network providers, or deeper insight into how medical charges work. Working with a patient advocate takes the worry out of understanding, validating, and negotiating your medical bills. Your advocate will provide invaluable assistance and peace of mind, ensuring that you’re paying only for the care you received so you can focus on what matters most: your health and recovery.

Terms and Limitations My MediBill LLC (“COMPANY”) WEBSITE TERMS OF USE AND DISCLAIMER General. Use of Company’s Web site https://mymedibill.net (“Site”) is governed by the terms set forth herein. These rules set forth herein apply to all materials, online communications and other information that is or becomes available on this Site (collectively, “Information”). BY SIGNING ON OR USING THIS SITE, YOU SPECIFICALLY AGREE TO ABIDE BY THESE TERMS, AS THEY MAY BE MODIFIED FROM TIME TO TIME. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE SITE. WE RESERVE THE RIGHT, AT OUR SOLE DISCRETION, TO MODIFY, ADD, OR REMOVE PORTIONS OF THESE TERMS AT ANY TIME. PLEASE CHECK THIS PAGE PERIODICALLY FOR ANY CHANGES. YOUR CONTINUED USE OF THE SITE FOLLOWING THE POSTING OF ANY CHANGES TO THESE TERMS SHALL MEAN THAT YOU HAVE ACCEPTED THOSE CHANGES. The Site is offered and available to users who are 18 years of age or older, and reside in the United States or any of its territories or possessions. By using the Site, you represent and warrant that you are of legal age to form a binding contract with Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Site. You also understand and agree that Resolve Advocates makes no submission about the suitability, reliability, availability, timeliness, and accuracy of the information, products, services, and related graphics contained within the site. 1. User’s Obligation to Abide By Applicable Laws. In connection with the use of this Site, and your use of any Information obtained from this Site, you shall abide by all applicable federal, state or local laws. 2. Accessing the Site and Account Security. We reserve the right to withdraw or amend the Site, and any service or material we provide on the Site, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Site is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Site, or the entire Site, to users, including registered users. You are responsible for: Making all arrangements necessary for you to have access to the Site. Ensuring that all persons who access the Site through your internet connection are aware of these Terms of Use and comply with them. To access the Site or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Site that all the information you provide on the Site is correct, current and complete. You agree that all information you provide to register with the Site or otherwise, including but not limited to through the use of any interactive features on the Site, is governed by these Terms of Use, and you consent to all actions we take with respect to your information consistent with these Terms of Use. If you choose, or are provided with, a user name, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to the Site or portions of it using your user name, password or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information. We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use. 3. Proprietary Information and Intellectual Property Rights. The Information available on this Site, including, without limitation, software, images and written and other materials (the “Content”), are intellectual property of Company and protected under the copyright, trademark and other intellectual property laws of the United States and/or other countries (“Intellectual Property Laws”). You may not download, print or otherwise use or reproduce any of the Content except in the course of viewing the Site online for lawful purposes, and in making single copies of selected pages of the Site for personal use and not for distribution or posting on any other Web site. You also agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on any Content. The violation of applicable Intellectual Property Laws may give rise to civil and/or criminal penalties. No right, title or interest in any downloaded materials is transferred to you as a result of any such downloading or copying other than the foregoing license to possess for personal use. If you print, copy, modify, download or otherwise use or provide any other person with access to any part of the Site in breach of the Terms of Use, your right to use the Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. The Company’s name, the Company’s logos and all related names, logos, product and service names, designs and slogans are trademarks of Company or its affiliates or licensors. You must not use such marks without the prior written permission of Company. All other names, logos, product and service names, designs and slogans on the Site are the trademarks of their respective owners. 4. Links. The Site may provide links to other sites. Company has no control over such sites and resources and as such is not responsible or liable for the any content, advertising, products, or other materials on or available from such sites or resources. 5. Prohibition Against Rogue Programming. You shall not post, transmit or make available in any way through the Site any software or other materials which contain a computer virus, trojan horse, timebomb, or worm, or make any other change in the Content appearing on the Site without the prior written consent of Company (“Rogue Programming.”) Company has no obligation to detect the presence of any Rogue Programming. Any downloading or any other use of the Information on the Site is at your risk, and you are advised to take adequate precautions to minimize any loss to your system caused by Rogue Programming, including use of anti-virus programs and proper backup of files. 6. Materials Are Informational Only. The Information has been prepared by Company for informational purposes only and does not constitute legal or professional advice. Your review or receipt of this Information does not create any contractual relationship; if you wish to engage our firm to provide consulting or other services, please contact us and if, by mutual agreement, a relationship arises, it will be documented in writing. Online readers should not act or rely upon this Information without seeking professional advice. Company hereby disclaims any intention or obligation to update or revise any of the Information. 7. Information about You and Your Visits to the Site. All information we collect on the Site is subject to these Terms of Use. By using the Site, you consent to all actions taken by us with respect to your information in compliance with these Terms of Use. 8. Geographic Restrictions. The owner of the Site is based in the state of Florida in the United States. We provide the Site for use only by persons located in the United States. We make no claims that the Site or any of its content is accessible or appropriate outside of the United States. Access to the Site may not be legal by certain persons or in certain countries. If you access the Site from outside the United States, you do so on your own initiative and are responsible for compliance with local laws. 9. Medical Billing; HIPAA Although our services include the negotiation of medical bills, Company is not a Covered Entity as defined under the Health Insurance Portability and Accountability Act (“HIPAA”), nor do we collect protected health information as defined by HIPAA. Hence, although we will abide by the terms of this Agreement, any information you provide to us will not be given the same protection as required under HIPAA. 10. Disclaimer of Warranties. You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Site will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE SITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY SITE LINKED TO IT. YOUR USE OF THE SITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE IS AT YOUR OWN RISK. THE SITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER COMPANY NOR ANY PERSON ASSOCIATED WITH COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE SITE. WITHOUT LIMITING THE FOREGOING, NEITHER COMPANY NOR ANYONE ASSOCIATED WITH COMPANY REPRESENTS OR WARRANTS THAT THE SITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE SITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS. COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE. THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW. SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OR LIMITATION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU. YOU MAY HAVE OTHER RIGHTS, WHICH VARY BY JURISDICTION. WHEN THE IMPLIED WARRANTIES ARE NOT ALLOWED TO BE EXCLUDED IN THEIR ENTIRETY, YOU AGREE THAT THEY WILL BE LIMITED TO THE GREATEST EXTENT AND SHORTEST DURATION PERMITTED BY LAW. 11. Limitation of Damages. UNDER NO CIRCUMSTANCES, INCLUDING NEGLIGENCE, SHALL COMPANY OR ANY OF ITS RELATED PERSONS OR ENTITIES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES THAT MAY RESULT FROM THE USE OF, MISUSE OF OR INABILITY TO USE THE SITE OR ASSOCIATED SOFTWARE, INCLUDING WITHOUT LIMITATION USE OF OR RELIANCE ON INFORMATION AVAILABLE ON THE SITE, INTERRUPTIONS, ERRORS, DEFECTS, MISTAKES, OMISSIONS, DELAYS IN OPERATION OR TRANSMISSION, NONDELIVERY OF INFORMATION, OR ANY OTHER FAILURE OF PERFORMANCE, WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE. BY ACCESSING THE WEBSITE SUBJECT TO THESE TERMS OF USE, YOU UNDERSTAND THAT YOU ARE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTOOD, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA AND ANY SIMILAR LAW OF ANY STATE, COUNTRY OR TERRITORY, WHICH PROVIDES AS FOLLOWS: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST MATERIALLY AFFECT HIS OR HER SETTLEMENT WITH THE DEBTOR.” 12. Indemnification. You agree to defend, indemnify and hold harmless Company its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Site or associated software, including, but not limited to, any use of the Site’s content, services and products other than as expressly authorized in these Terms of Use or your use of any information obtained from the Site. 13. Governing Law. These Terms of Use and Disclaimer shall be governed by the laws of the State of Florida, U.S.A., without regard to principles of conflicts of law. The courts located in Florida, U.S.A. shall have the exclusive jurisdiction and venue over any dispute arising out of or relating to this Site. 14. Your Comments and Concerns. The Site is operated by My MediBill LLC, P.O. Box 10591, Bradenton, FL, 34282. All feedback, comments, requests for technical support, and other communications relating to the Site should be directed to the contact set forth below for this Site. 15. Prices As you authorize during enrollment for the Services, your payment method is stored, the Services will automatically renew every single month for the same period as your original subscription, and you will be billed until you cancel your account in accordance with Section 15. For example, if you purchase a subscription you will be charged automatically every single month. Unless canceled in accordance with Section 15, the Services shall automatically continue indefinitely, and you shall pay the applicable then-current prices as published by us at https://mymedibill.net. Prices for all Member Services exclude all applicable taxes and telecommunication charges, unless expressly stated otherwise, and are priced in US Dollars. Unless we are required by law, you are responsible for any applicable taxes, whether or not they are listed on your receipt or statement. However, we reserve the right to collect any sales taxes applicable to your purchase of Services. If you purchase Services, you agree to pay, using a valid credit card or other form of payment that we may accept from time to time, the applicable fees and taxes (if any) set forth on the Site. We reserve the right, upon prior notice to you, to change the amount of any fees and to institute new fees, effective at the end of your current subscription period. All authorized charges will be billed to your designated credit card account (or other designated payment method) on the terms described in the specific offer. If payment cannot be charged to your credit card or your payment is declined for any reason, we reserve the right to either suspend or terminate your access to Services for which you owe applicable fees. With your consent and in accordance with our Privacy Policy we retain your payment information and payment method. We use your stored payment method and information to bill and automatically renew the Service(s). We reserve the right to verify credit/debit card payments prior to acceptance of your order. We also reserve the right to (i) obtain and continue using updated credit card account information electronically, when applicable, from the card brands,(ii) retry failed payments in order to complete transactions, including but not limited to, retrying failed cards with extended expiration dates, and (iii) change or amend authorized third parties to assist with payment processing. You further acknowledge and agree that if you are a dependent adult with a legal guardian serving as a Monitor for your account, subject to our then-current Member authentication procedures, such Monitor may authorize changes to the account, including, without limitation, the form of payment, or to the Services you receive, including termination of your account or changes that may result in additional or different charges. 16. Term, Termination, and Cancellation. Your subscription period starts at the time of purchase and runs 60 days after it is canceled in writing. If you have not purchased a subscription for any paid Services or you cancel your paid Services subscription, you are deemed to have a month-to-month free subscription. We reserve the right to terminate or suspend, in whole or in part, the Services and these Terms upon notice if we believe you have violated any of these Terms. You may cancel your Service or the automatic renewal of your Services at any time upon sixty (60) days’ notice to us, regardless if you purchased a subscription to the Service directly from us or through a third party. During the sixty (60) days after we receive notice of your cancellation, (a) you will still have access to the free Services and the Services you paid for, and (b) you will still be responsible for the costs of the paid Services. Following the cancellation of your Service, you still have access to any free Services we provide at the time your cancellation takes effect. To terminate and/or cancel your Service, you must email info@mymedibill.net. If we modify or update the Services and you object to such change, your sole remedy shall be to terminate and/or cancel the Services. If you decide to cancel your Service for any reason, you must allow us sixty (60) days to process your cancellation. If you are enrolled in any Services through a third party, you may not be entitled to any refund of fees by My MediBill; we have no obligation to, and shall not, refund any fees paid by you to a third party for our Services. If you purchased the Services directly from us and you decide to cancel the Service, we will pro-rate the subscription fees according to the date the cancellation goes into effect (i.e. sixty (60) days following our receipt of your decision to cancel). 17. Time Limit on Claims Against Us. You agree that any claim you may have arising out of or related to your use of the Site or your relationship with us must be filed within one (1) year after such claim arose; otherwise, your claim is permanently barred. 18. Entire Agreement. These Terms, and all documents and policies incorporated into these Terms by reference, are the entire agreement between you and us with respect to this subject matter, and supersede any and all prior or contemporaneous or additional communications, negotiations, or agreements with respect thereto. 19. No Fiduciary Relationship and No Relationship with any Third Party. Notwithstanding anything to the contrary herein, there is no fiduciary relationship between you and us. These Terms do not create any relationship of principal and agent, partnership, joint venture, or employer and employee, between you and us. You may not enter into any contract on our behalf or bind us in any way. These Terms are solely and exclusively between you and us and you acknowledge and agree that (i) no third party, including a third-party partner of ours is a party to these Terms, and (ii) no third party, including any third-party partner of ours has any obligations or duties to you under these Terms. 20. Our Remedies. You agree that any violation, or threatened violation, by you of these Terms constitutes an unlawful and unfair business practice that will cause us irreparable and unquantifiable harm. You also agree that monetary damages would be inadequate for such harm and consent to our obtaining any injunctive or equitable relief that we deem necessary or appropriate. These remedies are in addition to any other remedies we may have at law or in equity. 21. Contact Us. To ask questions or comment about these Terms of Use, contact us at: My MediBill LLC P.O. Box 10591 Bradenton, FL, 34282 Toll Free 833-633-3328 or Phone (727) 741-5682 info@mymedibill.net IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ENROLL OR REGISTER FOR ANY OF THE SERVICES OR OTHERWISE USE THE SERVICES.