Your Medical Insurance Advocate
Media/Videos
These medical bills advocacy videos and case studies will help you save money on your health insurance and denied medical claims.
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Financial Ruins from Denied Medical Claims
Good afternoon. I hope you’re having a great day. Are you now in financial ruin because your medical claim was denied by your health insurance carrier? Many times, insurance companies deny claims even
Your Insurance Company Broke Their Promise to Cover You?
Hello, everybody. You know, I’ve got to tell you, it is absolutely terrible that we’re in a position where our claims are denied and we become frustrated to the point of
Higher Medical Insurance Premiums?
Hello my friends. I can remember the day when someone didn’t want to report an accident or injury because their insurance premiums might go up. Now, even if you make no claims,
How to Appeal Your Denied Medical Claims
You know, if your medical bill is denied, please challenge the health insurance carrier. Many people do not understand that they have the right to overturn the case despite the ACA’s
The Hospital Price Transparency Law
Starting January 1st, 2021, each hospital operating in the United States was required to provide clear, accessible pricing information online about the items and services they provide. However, as of
Frustration for Denied Insurance Claims Escalate
Americans are crushed by skyrocketing premiums, crippling medical debt, and denial of care, which devastates millions of lives. It should be no surprise that frustration has reached a boiling point,
Out of Network Medical Bill Reduced from $6,000 to $240
We are literally the only developed country in the world with an entire multi-billion dollar for-profit health insurance industry. Some hospitals are not for-profit, and I wish it was the
The Colonoscopy That Was Almost Not Covered
I hope you’re having a fantastic day. You know, Medicare Advantage is often touted as beneficial, but most people believe it to be a scam. It’s particularly harmful to those
Got a Bill from a Doctor You’ve Never Seen
Have you ever been hospitalized and received a bill for a doctor you never saw? I recently overturned a case where the doctor was charging over $5,000, but that doctor
Doctor Recommends an MRI?
Your doctor recommends an MRI. Your insurance carrier will not provide pre-authorization. Call Medwise. We are here to get you the services you’re entitled to. Thank you. https://vimeo.com/1117099525?share=copy Adria Gross
Where Does Insurance Company CEO Salaries Come From?
The multiple giant insurance companies feed finances to the executives of the insurance company as well as the stockholders. Much of that money and the pay for the multiple senior
Deceptive Practices in Self-Funding Insurance Plan
Please be careful when choosing a medical insurance carrier policy. There are deceptive practices in the marketplace, but the government has a limited role when it comes to self-funding, self-insured
Self Employed Individuals Health Insurance
Consider a self-employed individual choosing a health plan from the health insurance marketplace without subsidy eligibility. They might select a silver plan costing about a thousand dollars monthly, thinking it
Profits in Insurance Industry Are Booming
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
Eligibility for Health Savings Accounts
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
How to Challenge a Billing Error
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
Was Your Health Service Supposed to be Free?
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
Didn’t Schedule the Medical Procedure Within the Pre Authorization Period?
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
How the ACA Works for Claim Denials
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
Are Insurers Deliberately Denying Claims
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
What Service Do Private Insurance Companies Provide
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
What Increases Medical Care Costs
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
Delay of Care Due to Care Denials
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
Unfair Review of Claims for Medical Bills
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
Incentives for Over Providing Services
A fee-for-service medical cost arrangement exists in the United States. The more services doctors perform, the higher their incomes. Just as patients have an incentive to overconsume, doctors have an
Billing Disputes and Denials of Medical Coverage
I hope you’re having a great day. Think about people’s billing disputes and denials of coverage. What emerges is that many realize positive outcomes when they appeal decisions they perceive
Who’s Responsible for the Medical Appeal Process?
I hope you’re having a fantastic day. The responsibility of appealing may not be clear between the patients, the providers, or between the employers and the employees, and the documentation
What is Hospital Upcoding
Hospital upcoding, which is claiming a higher level of patient severity in order to obtain a higher insurance payment, is a major issue. One study estimates that increased upcoding relative
How Top CEOs in Medical Fields Make More Money
You know Americans are sick of the health insurance companies who steal our money and our lives. The more profits that the insurance companies make, the more extra cash is
Don’t Let Medical Bills Bankrupt Your Family
An illness can destroy an entire family, leaving them bankrupt and homeless, with the repercussions of that sudden fall into poverty echoing down through generations. Most Americans have no idea