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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What to do if Your Surgeon is Not Covered by Insurance
Well, you’re about to have surgery. Everything is scheduled for you in advance. Your insurance company has already approved you, but now at the last minute, you’re being contacted by
What If Your Insurer Ask for Their Money Back
Many people are reaching out to me when everything was scheduled for their surgery, and they undergo the procedure. Six to 12 months later go by, and now the insurer
What You Need to Know About Insurance Before Turning 65
I’ve had many cases in the past five years involving people working after the age of 65. If your employer has less than 20 employees, when you turn 65, there’s
Decoding Your Hospital Bill – Understanding CPT Codes, EOBs, and Overcharges
Feeling lost or outraged when you look at a hospital bill? You’re not alone, and help is here! Watch this crucial interview with Edison Guzman and insurance advocate Adria Gross
Heart Surgery Recommendation Was Not Necessary
One of my clients was told he had to have heart surgery. He went through multiple tests and when he went back to the cardiologist, he was recommended multiple times
Do This to Know What’s Covered in Your Policy
Insurance companies very often give you a brochure or it’s like a six to 10 page, so-called policy, which describes what’s covered and what’s not covered on the policy. On
Need a Second Opinion for Orthopedic Surgeon?
Years ago I had a baker cyst on my right knee. I went to an orthopedic doctor who drained my knee three times. The fluid kept on coming back. He
$52,000 Overturned After 3 Times Denied Medical Claim
I have to tell you many times I have people come to me where they know that their medical bill should be covered. According to the health insurance policy, very
Knowing Your Patients Rights Saves Over $34,000
Being a patient advocate, I’m always concerned about patient’s rights and protect them from unfair billing practices. If I see a case where there are issues with medical billing, I
How I Reduced a Medical Bill from $40,000 to $2,000
You know, being in the health insurance industry for over 30 years, I am quite successful in negotiating medical bills. In many cases, I normally get 80% off the bill,
Why You Need to Read Your Insurance Policy
You know, it’s so important that you take the time to read your insurance policy. When I was working for two insurance companies, I helped write those insurance policies. You
What to do If Emergency Room is Out of Network
You know I recently spoke to a friend who works for a major corporation on her policy. Every emergency room visit is considered to be out of network. Instead of
What to do If Emergency Room is Out of Network
I recently spoke to a friend who works for a major corporation on her policy every emergency room visit is considered to be out of network instead of going to
$29,000 for Two Emergency Room Visits?
A recent case I worked on the client was charged for two of emergency room visits a total of 29,000 when I looked at the reasonable customer charges I realize
How $50,000 in Medical Debt Went Down to $0
One of my clients have denied claim with the original charges were over $50,000 when I was able to prove that those charges should be covered according to the wording
Medical Bill Issues
Hello everyone. Hydrocephalus is water on the brain, and many times it occurs as a result of an injury. If you’re having issues with your medical charges or coverage for medication,
Pre-Authorization Surgery Not Covered
You have pre-authorization for a surgery. It just so happens that the doctor has an emergency and is not able to perform the surgery as scheduled. You go back to
Can Your State Buy Out Your Medical Bills
The state of Rhode Island is suggesting using federal COVID-19 funds to pay off unpaid outstanding medical bills. Under the proposal, the state could purchase the debt for pennies on
Whats a Zebra in Medical Terms?
One of the chapters in my book, Apparently Different, involves a doctor who, after years of twisting his neck while performing colonoscopies—looking at the patient, then the machine—wound up with
Does Your Health Care Bill Hurt Your Credit?
Healthcare bills won’t harm your credit as long as you don’t wait too long to settle them. Most of the time, you’re dealing directly with the medical provider, and they
$85,000 Childbirth Bill Reduced to $5,000
A recent client of mine gave birth to her child, which initially cost her $85,000. This was a premature baby, and the hospitals and doctors were taking advantage of her
Lyme Disease Medical Bill Reimbursement Help
If you haven’t heard yet, Apparently Different is my new book that came out recently. I have a client in the book who wound up with a debilitating life due
Reducing Your Medical Bills
This interview focuses on ways to reduce medical bills, as discussed in Adria Gross’s book. Edison Guzman introduces the topic, emphasizing its relevance given the new administration and potential changes
$10,000 Emergency Room Just for Medicine
I don’t know if this has ever happened to you, but have you ever received a bill from an emergency room for over $10,000, and all they did in that
Emergency Room 3 Day Visit Denies $27,000 Bill
It was the middle of the night, and a patient goes to an emergency room in excruciating pain. The ER could not diagnose the condition. My client was kept in
Explanation of Benefits Letter Denies Your Claim
You are treated and preauthorized for a medical procedure. You go to the hospital where the procedure will take place. They perform the procedure, but then you receive an explanation
Denied Medical Claim Because of Non-Preauthorization
Have you ever been in a situation where you were never informed that a pre-authorization was required? Well, this claim was denied because my client did not have pre-authorization. If
Twisted Intestine $150,000 Bill Reduced to $10,000
You know, it took quite a bit of time, but my client who had a twisted intestine with a medical debt of over $150,000—I was finally able to prove that
Emergency Room for $8,000 Turns to Zero
My client in California went to the emergency room and received a bill for over $5,000. But believe it or not, every month she received a bill that added additional
Out of Network Hospital Bills Denied
You vomit and have diarrhea. You go to the emergency room, and the hospital does all these medical tests on you. You were in the hospital for three days only