I received many calls involving HSAs. A Health Savings Account (HSA) is a tax-advantaged savings account that allows you to set aside money to pay for qualified medical expenses such as deductibles, copayments, coinsurance, acupuncture, ambulance costs, doctor’s visits, hearing aids, prescription drugs, psychological therapy, psychiatric care, and qualified long-term care services. To be eligible […]
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One of my clients reported a billing error to me and we challenged the insurance carrier and the medical provider. You need to be aware of your right to challenge a bill. We recently decreased a bill from $4,500 down to $100. Please call me. Remember, I’m here to help you. Thank you. https://vimeo.com/1117099614?share=copy
How to Challenge a Billing Error Read More »
Have you received a medical bill or are you being charged a copayment in the past year for a service you thought should have been free or covered by your insurance carrier? If you receive a bill for a health service you thought was free or should have been covered by your health insurance carrier,
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I hope you’re having a fabulous day today. A coverage denial may say the needed care was not provided as a result of not scheduling the services needed within the time period you were originally preauthorized by your insurance carrier. What they do is they send in that you might need pre-authorization, and they give
Didn’t Schedule the Medical Procedure Within the Pre Authorization Period? Read More »
The Affordable Care Act (ACA) granted people the right to appeal decisions made by their health insurers regardless of their insurance type or state of residence. The law also established rules for how insurance companies should handle initial appeals and allows insurers to request a reconsideration of decisions to deny payment. If an insurer upholds
How the ACA Works for Claim Denials Read More »
Insurers are motivated to avoid paying for care. Many insurers appear to be utilizing increasingly aggressive tactics to do so, deploying technology and applying pressure to company physicians to scrutinize services recommended by patients’ physicians, and often to deny coverage, leaving patients with unexpected bills or delays in care. You need care, and if you’re
Are Insurers Deliberately Denying Claims Read More »
Hello my friends. What service do private insurers provide in return for the fees they collect? Again, what service do private insurers provide in return for the fees that they collect? You may not realize the extent to which the insurance companies are exposing themselves to the delay and deny strategies. Private insurance is often
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The lack of health coverage produces negative consequences. For instance, an individual avoiding upfront medical costs might end up in the emergency room where treatment is much more expensive. This not only increases healthcare costs for everyone but also places a heavier load on public resources and spreads illness. Make sure you have a good
What Increases Medical Care Costs Read More »
You know, over the years I have found that nearly half of respondents who experienced a delay in care following a coverage denial said that their health problems got worse as a result of those delays. Worry and anxiety among those experiencing delays are really universal. Nearly one in six reported cases indicate that care
Delay of Care Due to Care Denials Read More »
Many health insurers require a review of claims or prior authorization requests by a nurse and a doctor, both employed by the insurer. Recent media investigations have found that some insurance company doctors are not incentivized to spend the time needed to scrutinize patients’ medical records and follow guidelines for making informed decisions about approving
Unfair Review of Claims for Medical Bills Read More »