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.
Need help with medical bills? Click Here to contact us, or call us at 845-978-9493 for a free consultation.
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
How to Challenge Your Medical Bill
One of the issues I hear so much is people have no idea how to challenge a bill. I worked for two insurance companies that not only taught me all
Was Your Medical Bill Much Higher Than it Should Have?
When you know you have been billed much more than you should have, please call midwives. All too often people are taken advantage of on their medical bills. We recently
How to Shop and Compare Hospital Costs
Hospital price transparency helps Americans know the cost of a hospital item or service before receiving it. Starting January 1st, 2021, each hospital operating in the United States was required
Was Your Medical Claim Denied Even After pre-Authorization?
You know, insurers are becoming increasingly adept in using technology to deny payment of medical claims and pressure their company physicians to deny care during prior authorization reviews. Doctors are
ER Medical Bill Not Medical Necessary?
I recently had a phone call involving a person who fell down two flights of stairs. They had 25 stitches in their head. The case involved a hospital in California,
Bee Sting Leads to Emergency Room Bill Not Covered by Insurance
I hope you’re having a great day today. Well, let me tell you this one. Wow. You get stung by a bee and you have difficulty breathing. You got swelling
Duplicate Bills from Same Procedure?
Have you ever been billed multiple times for the same procedure for the same date of services? I recently was able to reduce the bill from $7,200 down to1,200. That’s the savings of
Out of Network Bill Not Paid?
You’re preparing dinner for your family and ouch. You just cut yourself so deep. You need stitches, you wind up in urgent care, and you later find out that they’re outta network, so
High Out of Pocket Medical Costs
When faced with high out-of-pocket costs, healthier individuals might opt out of necessary healthcare to avoid expenses, a behavior that insurers indirectly encouraged. This leads to a cycle of rising premiums
The Policy Did Not Cover MRI?
I have never seen this before. The policy did not cover for an MRI when we were able to prove the necessity for the MRI. The insurance company finally agreed