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, insurance premiums continue to rise at an alarming rate. Ask your insurance carrier what you’re covered for and what you’re not covered for, and always ask […]
Higher Medical Insurance Premiums? Read More »
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, igniting a widespread demand for real systemic change. Ordinary people understand that insurance companies don’t exist to protect their health, but to maximize profits for
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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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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
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The right medical billing advocate services for cancer patients do more than just manage paperwork; they are a crucial shield in a two-front war. While you focus on the physical battle, a second, insidious fight against financial toxicity begins. The relentless flood of complex bills, insurance denials, and administrative red tape is overwhelming, stealing precious
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When a staggering medical bill arrives, discovering effective alternatives to hiring a medical claims lawyer can feel like finding a secret passage out of a maze. The instinct is to seek legal force, but this is often a costly, slow, and unnecessarily blunt approach. You feel trapped between an insurer’s cold denial and the daunting
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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
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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 to a decade earlier was associated with $14.6 billion in hospital payments. I have people calling me about this, where they feel that they were
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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 available to distribute to shareholders as dividends and buybacks, and generally the higher the stock price, the greater the potential for higher top executive pay.
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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 that the US is quite literally the only country in the developed world that doesn’t define healthcare as an absolute right for all of its
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