The Hospital Advocacy plan is designed to help members with their medical bills whenever a single hospital visit totals $1,500. (For the insured, this means the amount you are personally responsible for, aside from your deductible.) Charges can be incurred from multiple providers. The patient advocate negotiates on behalf of the patient and pursues a wide range of options, from government entitlement plans to payment plans. There is a waiting period of three business days from the active date of your membership to utilize this plan.