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Hello, my friends. Have you ever heard of an SPD? Summary Plan Description. Ask for this information from your health insurance carrier. This description will help you to understand what you

Good faith estimate requires providers to provide uninsured or self-pay patients with a good faith estimate of the total cost of care before services are rendered. I recommend always asking in

When a student has college insurance, that policy is a primary insurer. Sometimes the parents or guardian might still have them on their policy, which would be secondary to the

To help you save a tremendous amount of money, request itemized bills to understand what you have been charged for. All too often, you’re charged for services that were never rendered,

Unfair medical charges can arise from various issues, including billing errors, surprise bills from network providers, and inflated charges. To address these issues, you can start by examining your insurance coverage,

You are now about to dispute a bill which you received from a collection agency. You need to request verification from the agency, and I recommend you submit a complaint

If you come across an unfair medical bill, the first thing you need to do is examine your insurance coverage. Review your plan, understand your  deductibles, your co-pays, your co-insurance,

The No Surprises Act became effective January 1st of 2022, and it protects consumers from surprise medical bills for emergency services and non-emergency services. It limits out-of-network cost-sharing and establishes a

One of the major issues causing high premiums on our pharmaceutical drugs is due to research and development. The question is: why are drug prices lower in other countries? Outside the US,

Are you now appealing an ERISA claim denial? What was the reason for your denial? Very often, the State Department of Insurance and the attorney general for your state will not assist