Health insurance can be a lifesaver in a medical emergency, but understanding the terms and conditions of your policy can feel like navigating a maze. Terms like “deductible,” “co-pay,” and “co-insurance” often pop up, creating confusion for many policyholders. In this blog post, we’ll demystify these common insurance terms so you can make informed decisions […]
Understanding “Deductible,” “Co-Pay,” and “Co-Insurance” Read More »
In my book, apparently different, just recently published, I discussed my own experience having epilepsy while writing my book. I met with an educator, Janet Schiff. The chapter that is about her is titled, whatever Happened to Me, to My White Picket Fence, my Brain Injury From My Massive Brain Tumor. Janet writes, the white
Massive Brain Tumor Medical Bills Read More »
Choosing a primary care physician (PCP) is a critical decision that impacts your overall healthcare experience. However, there may be reasons you’d like to change your PCP, be it due to relocation, dissatisfaction, or a need for specialized care. The good news is that most insurance plans offer the flexibility to do so. In this
Changing Your Primary Care Physician- What You Need to Know Read More »
I just published a new book called Apparently Different, and there’s a chapter in my book, which involves Jesse Sine. Jesse himself has written two books. Both books involve discussing what it’s like to be normal versus what it’s like to have Asperger’s. I received many phone calls with people who have an autism spectrum
Normal or Autism Spectrum Insurance Bills Read More »
At some point, many of us will face the frustrating situation of having an insurance claim denied or a medical service deemed “not covered” by our healthcare policy. These decisions can have a significant financial and emotional impact, leaving us wondering what to do next. The good news is that you have the right to
Appealing an Insurance Company Decision Read More »
I hope all is well with you today. Dental coverage is very limited. Most policies will never cover you for more than $3,500. It’s best to discuss the fees and get it in writing before procedure is performed. Many people come to me with bills over $35,000. Some dental providers are willing to reduce the
Dental Coverage Not Covering? Read More »
As life changes, so do your healthcare needs. Whether you’ve just gotten married, welcomed a new baby, or have other family changes, you may find yourself wondering how to add a family member to your existing insurance policy. This blog post aims to guide you through the various options, timing, and procedures involved in expanding
Adding a Family Member to Your Insurance Policy Read More »
My friends, one of my clients went for surgery and they were never informed in advance that it was an out-of-network provider. The doctor was charging over a hundred thousand dollars and when I looked at the reasonable customary charges, I was able to get the bill reduced from a hundred thousand down to 11,000.
Reasonable and Customary Charges Reduce Bill from Over $100,000 to $11,000 Read More »
Good morning, everybody. I gotta tell you, I worked with a client who thought they had a PPO rather than HMO. You really need to understand your policy and realize what you are covered for and what you’re not covered for. Uh, the person was in a 24 hour psych facility and the fact that
Hopefully this will never happen to you, but your appendix burst and then you go to the emergency room, but your insurer is not paying your bill. They’re claiming it wasn’t medically necessary. Please call me and I’m sure that I can help you retrieve money for your claim. I had a client who needed
Emergency Room Expense Not Medically Necessary and Not Covered? Read More »