Your Medical Insurance Advocate
Media/Videos
These medical bills advocacy videos and case studies will help you save money on your health insurance and denied medical claims.
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What is a Facility Fee on Your Medical Bill?
Have you ever heard of a facility fee? A facility fee is an extra charge that hospitals add to cover overhead costs such as equipment, maintenance, support staff, and security.
Can Medical Debt be Included in Your Credit Report?
In July 2025, a federal judge ruled medical debt can be included on people’s credit reports. That overruled a Consumer Finance Protection Bureau proclamation made in January of 2025. Had medical debt
How I Used the Media to get a $225,000 Medical Bill Paid
Too often when denials occur, we have to go through multiple appeals to resolve the issue. I often ask for help from the media because, many times, that is the only
The Best Way to Protect Yourself from a Medical Claim Denial
The best way to protect yourself against a denial is to get pre-approval for medical services from your insurer in non-emergency situations. If it is an emergency, it is truly the
How to Shop for the Best Medicare Advantage Plan
Some of the best advice I can provide is to shop carefully for the right insurance policy that offers comprehensive coverage from medical providers with a good reputation. With Medicare Advantage
Why You Should Document Everything
If you’ve had a denied claim appeal, be prepared to provide documentation. It’s important to have a doctor write a letter explaining why the procedure was performed and why it was
Why It’s So Important to Have the Right Medical Insurance
It’s so important to have health insurance. According to the No Surprises Act, you are generally protected from balance billing for emergency services and for non-emergency services received at an
Were You Denied for Emergency Care Claim?
So you have an emergency, but the insurance company is claiming that it wasn’t medically necessary. This is their retaliation to the No Surprises Act, which was passed January 2022. The health
Important Questions About College Student Medical Insurance
I hope I helped you with some information today. When it comes to college insurance, premiums may be included in tuition, but loan interest can still be high. Specialized care can
Why Hire Adria for Your Denied Medical Bills
I’m here to help you with all issues related to medical bills. Medical Insurance Advocacy, my company, helps you navigate the system, review medical records, and negotiate with providers and health
How to Use a Good Faith Estimate to Reduce Your Bill
A medical provider has to give you a good faith estimate of your costs before you receive services, and you can dispute a bill if it is significantly higher than
Different Causes for Disputing a Medical Bill
Here are different reasons you can dispute a bill. You can dispute a bill if you received care and did not have or did not use your health insurance to pay
Is The No Surprises Act Working
The No Surprises Act has been helpful in overturning cases and reducing fees when a patient is responsible for part of a bill. It provides protection against surprise bills from out-of-network
Instances When Your Provider Must Reduce Your Medical Bill
If a provider is unable to inform you about the cost of services in advance, or if the insurer claims the treatment was not medically necessary, you may have grounds
Will Your Medical Bill Increase if You Dispute It
No matter what the outcome of your bill is, your cost will not increase if you dispute the bill. When you receive care, there may be items or services your doctor
Is Your Case in Collections
I hope your day is as good as mine. If you have a case that is in collections while you are disputing a bill, your provider or facility cannot move your
If You’re Appealing a Case-Do This
If you’re appealing a case and you, your healthcare provider, or the facility can settle the payment amount before the dispute ends, you can move forward if both parties agree
How Your Insurance Works with the No Surprise Act
Your insurer may have decided not to pay part or all of your claim. If you think this decision violates the No Surprises Act, appeal your bill. Follow the process described in
Why Ask for an Itemized Bill When Denied Medical Claim
If you receive a balance bill or believe you are overcharged, request an itemized bill and dispute the charges. Ask the provider or hospital for an itemized bill with all billing
Saved Over $13,000 With This
If your dispute was decided in your favor, but the provider is still billing you or has even sent your bill to collections, I highly recommend you reach out to
How I Had a $9,000 Medical Bill Written Off
I hope you’re having a fantastic afternoon. Eighty percent of medical claims are incorrect. There are often errors where procedures appear on your bill that never occurred, or you might find
What is an Insurance Claim Denial?
Have you ever gone to the doctor, submitted your claim, and got a letter saying your insurance won’t pay? That is a denial. It means your insurer has rejected the claim,
The Most Common Reasons for Denied Medical Bill Claims
Why do claims get denied? The most common reasons include missing information, incorrect billing codes, lack of pre-authorization, or service being out of network. Sometimes, the insurer simply doesn’t believe
Out of Network Air Ambulance Services
The No Surprises Act prevents surprise bills for emergency services, even if received from an out-of-network provider or facility. It limits out-of-network cost-sharing for non-emergency services received at an in-network facility,
A $54,000 Medical Bill Written Off After Denial
When a provider considers your procedure to be necessary and the insurance company says, “Hey, it wasn’t medically necessary,” you have to fight to make sure that the insurer does
Confused by Insurance Jargon
Denial letters are full of insurance jargon, but don’t let that intimidate you. Look for the reason for the denial. It’s usually listed by a code. And check your explanation of benefits,
Getting Denied Is Not the End
Getting denied isn’t the end of the road. You have the right to appeal. That means asking the insurer to reconsider the decision. Start by calling the insurer to understand the denial.
Why You Always Want a Pre Approval Letter
Many services require pre-authorization from your insurance company. That means your doctor has to get approval before doing a test or procedure. If that doesn’t happen, your claim could be denied, even
How Long Do You Have to File An Appeal
Don’t wait if you’ve been denied. Lost insurance plans give you 120 days, or about six months, to file an appeal. Direct Medicare is 12 months. It used to be 24
College Students Must Prove What?
Students in college are normally able to purchase health insurance through their university. I’ve handled many cases involving college health insurance. I must say, the health carriers are very suspicious when the