Cost of Care

…Not a guarantee of payment. Huh?

Your doctor recommends a test or procedure. You’re a wise consumer. You ask your doctor or hospital to pre-authorize coverage, or maybe you even get the codes they will use to bill and call your insurer yourself. You get a pre-authorization reference number or a letter, but somewhere in the documents is a statement that …

…Not a guarantee of payment. Huh? Read More »

In or Out, Round About – Navigating Out of Network Providers

Health insurance is complicated and healthcare costs a lot. If you’re not up for a complicated read, here’s the short version: Don’t use out of network providers if you can avoid it. If you think healthcare is expensive, out of network healthcare is very expensive! But if you want to dig a bit deeper, read …

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Does Insurance Cover That?

Inevitably when I’m asked what I do and respond that I’m a private patient advocate, one eyebrow raises, followed by “What’s that?” My “Private Patient Advocate” elevator speech goes something like this: “Private patient advocates are independent professionals that help patients and their families clarify options for managing their healthcare as well as the cost …

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