Profits in the insurance industry are booming. UnitedHealthcare’s operating profit margin was about 5.8% on revenues of $281.4 billion in 2023. Insured individuals not only pay high premiums, but they also face deductibles, copays, and unexpected bills. Insurers exploit the system by enrolling primarily young, healthy individuals, and they manipulate costs, largely enabled by policies […]
Profits in Insurance Industry Are Booming Read More »
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
Eligibility for Health Savings Accounts Read More »
Hiring a hospital bill negotiation company is your most powerful move against a system built on arbitrary pricing. You’ve seen the bill, a document where a single Tylenol tablet can cost more than the entire bottle. The shock and powerlessness are overwhelming. You’re facing a five or six-figure sum that feels both absurd and non-negotiable,
Need a Hospital Bill Negotiation Company? Read this First! Read More »
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,
Was Your Health Service Supposed to be Free? Read More »
Finding the right medical claim appeal service for hire is the single most important decision after a denial. That letter from your insurer, filled with cold, clinical language, is not just a rejection—it’s the start of a complex, time-sensitive process. You know you need to fight back, but the path is shrouded in red tape,
Denied? Get a Medical Claim Appeal Service for Hire Read More »
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 »
Securing a free consultation with a medical billing advocate is your first strategic move, but most people squander this critical opportunity. You’re holding a stack of confusing, intimidating medical bills, and that offer of a no-cost conversation feels like a lifeline. It’s a chance to finally get answers and see a path forward. But the
Don’t Waste a Free Consultation with a Medical Billing Advocate 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 »