Your Medical Bill Advocate
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These medical bills advocacy articles will help you save money on your health insurance and denied medical claims.
What You Need to Know About Insurance Before Turning 65
I’ve had many cases in the past five years involving people working after the age of 65. If your employer has less than 20 employees, when you turn 65, there’s
Decoding Your Hospital Bill – Understanding CPT Codes, EOBs, and Overcharges
Feeling lost or outraged when you look at a hospital bill? You’re not alone, and help is here! Watch this crucial interview with Edison Guzman and insurance advocate Adria Gross
Heart Surgery Recommendation Was Not Necessary
One of my clients was told he had to have heart surgery. He went through multiple tests and when he went back to the cardiologist, he was recommended multiple times
Do This to Know What’s Covered in Your Policy
Insurance companies very often give you a brochure or it’s like a six to 10 page, so-called policy, which describes what’s covered and what’s not covered on the policy. On
Need a Second Opinion for Orthopedic Surgeon?
Years ago I had a baker cyst on my right knee. I went to an orthopedic doctor who drained my knee three times. The fluid kept on coming back. He
$52,000 Overturned After 3 Times Denied Medical Claim
I have to tell you many times I have people come to me where they know that their medical bill should be covered. According to the health insurance policy, very
Knowing Your Patients Rights Saves Over $34,000
Being a patient advocate, I’m always concerned about patient’s rights and protect them from unfair billing practices. If I see a case where there are issues with medical billing, I
How Medical Claim Laws Will Affect You in the Future
The healthcare landscape is constantly evolving, and with it, the laws governing medical claims. As a patient, it’s essential to stay informed about these changes to ensure you receive the
How I Reduced a Medical Bill from $40,000 to $2,000
You know, being in the health insurance industry for over 30 years, I am quite successful in negotiating medical bills. In many cases, I normally get 80% off the bill,
Why You Need to Read Your Insurance Policy
You know, it’s so important that you take the time to read your insurance policy. When I was working for two insurance companies, I helped write those insurance policies. You
Getting Medically Covered When Traveling Outside of the Country
Traveling outside of the country can be a great way to experience new cultures and see new places. However, it is important to be aware of the potential risks associated
What to do If Emergency Room is Out of Network
You know I recently spoke to a friend who works for a major corporation on her policy. Every emergency room visit is considered to be out of network. Instead of
What to do If Emergency Room is Out of Network
I recently spoke to a friend who works for a major corporation on her policy every emergency room visit is considered to be out of network instead of going to
How to Get Your Medical Bills Paid After a Denial of Benefits
Receiving a denial of benefits for your medical bills can be a frustrating and confusing experience. However, it is important to remember that you have rights as a patient, and
$29,000 for Two Emergency Room Visits?
A recent case I worked on the client was charged for two of emergency room visits a total of 29,000 when I looked at the reasonable customer charges I realize
How $50,000 in Medical Debt Went Down to $0
One of my clients have denied claim with the original charges were over $50,000 when I was able to prove that those charges should be covered according to the wording
Why You Need a Medical Billing Advocate When Insurance Says “No”
Navigating the labyrinth of medical billing can feel like deciphering an alien language. One minute you’re recovering from a procedure, the next you’re staring at a denial letter from your
What’s the Best Type of Drug Plan for You and Your Family?
In today’s world, understanding your health insurance can feel like deciphering a complex code. When it comes to drug plans, the confusion only deepens. That’s why we sat down with
Medical Bill Issues
Hello everyone. Hydrocephalus is water on the brain, and many times it occurs as a result of an injury. If you’re having issues with your medical charges or coverage for medication,
The Power of Price Transparency – Taking Control of Your Healthcare Costs
Healthcare costs can be unpredictable and often feel opaque. You might know you need a procedure, but have no idea what it will actually cost until you receive a surprise
Pre-Authorization Surgery Not Covered
You have pre-authorization for a surgery. It just so happens that the doctor has an emergency and is not able to perform the surgery as scheduled. You go back to
Can Your State Buy Out Your Medical Bills
The state of Rhode Island is suggesting using federal COVID-19 funds to pay off unpaid outstanding medical bills. Under the proposal, the state could purchase the debt for pennies on
Using a Health Savings Account (HSA) or Flexible Spending Account (FSA)
Healthcare expenses can be a significant burden, but there are tools available to help you manage these costs effectively. Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are tax-advantaged
Whats a Zebra in Medical Terms?
One of the chapters in my book, Apparently Different, involves a doctor who, after years of twisting his neck while performing colonoscopies—looking at the patient, then the machine—wound up with
Does Your Health Care Bill Hurt Your Credit?
Healthcare bills won’t harm your credit as long as you don’t wait too long to settle them. Most of the time, you’re dealing directly with the medical provider, and they
Negotiating Medical Bills: Tips and Tricks for Lowering Your Healthcare Costs
Medical bills can be a significant source of stress, especially when they seem unexpectedly high or contain errors. At Medwise Insurance Advocacy, we empower you to take control of your
$85,000 Childbirth Bill Reduced to $5,000
A recent client of mine gave birth to her child, which initially cost her $85,000. This was a premature baby, and the hospitals and doctors were taking advantage of her
Lyme Disease Medical Bill Reimbursement Help
If you haven’t heard yet, Apparently Different is my new book that came out recently. I have a client in the book who wound up with a debilitating life due
What to Do When Your Insurance Denies a Claim
Receiving a claim denial from your health insurance company can be frustrating and confusing. It can feel like a roadblock in accessing necessary medical care. At Medwise Insurance Advocacy, we
Reducing Your Medical Bills
This interview focuses on ways to reduce medical bills, as discussed in Adria Gross’s book. Edison Guzman introduces the topic, emphasizing its relevance given the new administration and potential changes