Hospitals Hate This Site — Procedures 60% Cheaper
What if your employees could shop for an MRI the same way they shop on Amazon? No surprise bills. No deductibles. Just a clear price upfront. That's exactly what MD Save does — and hospitals are not happy about it.
What Is MD Save?
MD Save is an online marketplace for medical procedures. Employees can browse real prices for MRIs, lab work, surgeries, and more. They pick a provider, pay upfront, and receive a voucher to bring to their appointment. That's it. No mystery bills arriving six weeks later.
The savings are significant. Patients can pay up to 60% less than what hospitals typically charge. That's not a typo. Sixty percent.
Why Do Providers Like It Too?
Here's something most people don't expect — many providers actually love MD Save. Why? Because they get paid in about four days instead of waiting 60 to 90 days for an insurance company to process a claim. Faster payment means healthier cash flow for the practice. It's a win for the patient and the provider.
The only people who cannot use MD Save are those on Medicare, Medicaid, or Tricare. For everyone else, it's a legitimate option. HSA dollars work on it too, which makes it even more flexible for employees who have a health savings account.
Why Hospitals Hate It
Traditional hospital billing thrives on confusion. Hospitals post inflated "chargemaster" prices — the list price almost nobody actually pays. Then insurers like the big BUCAH carriers (Blue Cross, United, Cigna, Aetna, Humana) negotiate "discounts" off those inflated prices and call it a deal. But the discounted price is still far above what the service actually costs in a transparent, competitive market.
MD Save blows that model up. When prices are visible and competitive, the inflated billing game falls apart. That's why hospital billing departments are not fans.
How This Pairs With Indemnity Plans
At The Benefit X-Change, we help small businesses set up ICHRA plans — Individual Coverage Health Reimbursement Arrangements — where employers set a defined contribution and employees choose their own individual health insurance. But we also offer an employer-sponsored indemnity plan option for employees who opt out of the ICHRA.
Indemnity plans have no deductibles and no copays. The plan pays a set benefit amount for covered services. If an employee finds a lower price — say, through MD Save — and spends less than the benefit amount, they keep the difference. That's real money back in their pocket.
This is what smart healthcare consumerism looks like. Employees are financially motivated to shop, compare prices, and negotiate. When that happens at scale, it creates real market competition and drives costs down for everyone.
Small Business Health Benefits That Actually Work
In 2026, small businesses have better options than ever for offering affordable employee benefits. Tools like MD Save, combined with ICHRA plans and indemnity coverage, give employees real choices and real savings — without the bloated premiums that come with traditional group health insurance.
You don't have to play the old game anymore.
Ready to build a smarter benefits plan for your team? Visit benefitx.com to learn how The Benefit X-Change can help.