Member Advocacy
Health insurance can be confusing. When you have a question about your coverage, a claim, a bill, or where to get care, you don’t have to figure it out alone. One call or email connects you with an advocate who stays with you until it’s sorted out.
Benefits are only valuable if you can actually use them
Our Advocacy Department is your go-to resource for every line of coverage you have. Whether you’re trying to lower a prescription cost, replace an ID card, understand a bill, or get a claim fixed, your advocate takes it on with you — and stays involved from the first contact all the way through to a resolution. It’s support that gives you peace of mind and saves you the hours you’d otherwise spend on hold trying to solve it yourself.
How your advocate can help
Reach out about any of these — and anything else about your coverage that has you stuck.
Find in-network, low-cost care
We help you track down doctors, specialists, and facilities that are in your network — so you pay less and avoid surprise bills.
Lower your prescription costs
Paying too much at the pharmacy? We research lower-cost options for your medications and point you to real savings.
Get your ID cards
Lost your medical or dental card, or never got one? We make sure you have what you need to check in at any visit.
Sort out a claim
If a medical or wellness claim was denied or looks wrong, we dig into why it happened and work to get it fixed.
Understand & compare your plans
Not sure which plan fits your family, or what a benefit actually covers? We walk you through your options in plain language.
Make sense of a bill
Confused by a statement or an EOB? We review billing questions with you and help you understand what you really owe.
Handle pre-authorizations
Need approval before a procedure or prescription? We help move pre-authorizations along so care is not delayed.
Stay with you until it’s resolved
Once you reach out, your advocate stays involved from the first call all the way through to a real resolution.
Fast answers, from people who care
of inquiries resolved within 24 hours
or less to resolve most inquiries
resolved on the first contact
Members feel the difference
“Extremely helpful. Very clear and effective with my request.”
— FBP plan member
“Easy, fast, and efficient.”
— FBP plan member
A story from our advocates
A member reached out with questions about a prescription for her daughter. Her advocate researched the medication right away and called her back within 20 minutes — with the information she needed, the cost, and a lower-price option through a discount program.
Her response said it all: she wished she could reach through the phone and give her advocate a hug. That’s the kind of help you can expect — quick, thorough, and genuinely on your side.
Have a question? Reach out to Advocacy
There’s no wrong reason to call. If it has to do with your coverage, we’re glad to help.
Gold-standard advocacy, built into your benefits
Fringe Advocacy isn’t just a perk for your employees — it’s a strategic advantage for your organization. Our in-house advocates take benefits and claims questions off your HR team’s plate while protecting your bottom line.
An extension of your HR team
Employees call us instead of your HR staff for benefits and claims questions — freeing your team to focus on people, not paperwork.
Protects your ROI
We turn each interaction into a chance to guide appropriate plan utilization and save claim dollars on your medical plan.
Direct carrier access
Our advocates maintain direct lines to carrier and provider decision-makers for swift, accurate resolutions.
Data that guides planning
We capture and analyze utilization data to shape strategies that guide your long-range benefit planning.
The Fringe Advocacy Analysis
Every client receives an Advocacy Analysis that turns employee interactions into insight you can act on — delivered on a schedule tailored to your organization's size and needs:
- Case summaries — average resolution time and estimated productivity savings
- Number and type of cases handled
- The top three service issues received
- Contact initiation and type
- Resource support delivered (ID cards, portal help, provider search, and more)
Employee & Voluntary Benefits
See the health, dental, vision, life, and voluntary coverage available to you and your family.
Explore benefits For EmployersEmployer Benefits
See how FBP handles plan design, administration, technology, and compliance for your business.
Explore employer solutionsQuestions about your benefits? We’re here.
Reach out to the Advocacy Department directly, or contact us to learn how advocacy comes built into every FBP benefits program.