Author - adria

Healthcare Enrollment Dates, Fees and a Delicate Dance for Coverage

There are so many costs associated with healthcare. To meet contractual requirements, each fee has a different name with specific stipulations. As insurance holders, members pay premiums for coverage to insurance companies and then pay providers directly until they meet their deduction before insurance starts to pay the bill, as well as, other out-of-pocket expenses that are almost never covered like over the counter prescriptions. It is costly for patients to satisfy the minimum fee requirements before insurance kicks [...]

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Negotiating Medical Bills is Possible with a Medical Bill Advocate

Faith-Based Health Cost Sharing Vs. Associated Health Plans

Negotiating Medical Bills is Necessary to Save on Costs Taking care of our health can be a costly endeavor. The ability to pay can become a matter of life and death if bills rack up over long term care that falls into collections. That is why having insurance is so important during unexpected emergencies or when someone has a chronic illness. Medwise Insurance Advocacy, your medical bill advocate, has been negotiating with companies that offer health “cost-sharing” that is not [...]

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The Courts in Texas and the Affordable Care Act

The Affordable Care Act created a private insurance market that 15 million Americans use for coverage. The act also encouraged state Medicaid expansion that covers another 15 million, as well as, provides protections for people with preexisting conditions and other regulations. The contractual dynamic between insurance companies, physicians and the insured gradually became standardized. There was a time, I even thought it would be the end of individuals having to negotiate their medical bills based on pre-existing conditions and obscure coverage limitations. However, [...]

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Negotiating International Medical Care: 10 Key Questions to Lower Medical Costs When Traveling Abroad

Senators like Rand Paul are going to Canada to competitively shop and save on care. Patients seeking tips on how to lower costs on past bills can save and receive specialized care when they travel beyond borders for health services. The growth in international medical travel is due to improved availability of health technology, decreasing costs for travel and advertising by companies wishing to attract patients. Treatment may span the full range of medical services, but most commonly these services includes [...]

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Use Due Diligence to Negotiate Medical Bills

Associated health plans and self-insurance programs are increasingly part of the healthcare marketplace and they are leading a movement of comparative shopping for medical care and prescriptions . Over 90% of patients want to know what their costs will be for care prior to service. In January 2019 a federal requirement insists hospitals list their service prices on the hospitals website. Unfortunately, the prices are not the same across the board and there is not an industry standard service [...]

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Are Low Cost Associated Health Plans Worth It?

Your health is great, until it isn’t. Health care plans that are pitched to someone who is healthy may not necessarily cover them when sick, especially if a low cost Associated Health Plan (AHP) is purchased. The latest news in healthcare is the introduction of AHPs that offer alternative coverage that is not governed by the Affordable Care Act. These plans boast being a cost saver for small businesses and sole entrepreneurs. Although plans will be flexible and inexpensive, [...]

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How Medical Billing Advocates Negotiate to Help Pay Medical Bills

Medical bills become a problem after claims have been denied from insurance carriers and paying off the bills becomes a game of negotiation. This is where a medical billing and insurance advocate can help negotiate and appeal medical claim denials.   Why Medical Claims are Denied Claims may be denied because the insurance carrier decides that it is not medically necessary, the care was out-of-network or experimental, the procedure was done in an inappropriate health care setting (in-home vs. hospitalization), policy cancelled [...]

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Is a Settlement or Court Ordered Judgment Protected from Subrogation?

Can Medical or Insurance Providers Claim Rights over Settlement or Judgment Money? Medical providers ask a lot of questions about how and why you are seeing them. During this inquisition it gives them information needed to care for you, as well as, an insight into the likelihood that someone else is responsible for the injury. Insurance carriers will also ask a series of questions to determine the same things. Medical providers are barred from double-billing and balance billing, restricting their [...]

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Save on Prescription Medications

Venturing out to cut costs for prescriptions can be like wandering down a dark ally while haggling for the best price at the busiest market. The price of a medication can vary greatly, even within the same zip code depending on the available retailers. Pharmaceutical companies price medications at a high rate because they do not want to list a price below what the standard price an insurance [...]

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