Like a recurring bad dream, it’s health insurance open enrollment again. Whether you have your health insurance through your employer, from healthcare.gov, or Medicare, no doubt your mailbox has been full of notifications with changes to your plan, or solicitations to new options. When I ask people about this, most say they file them in […]
Open Enrollment Time (sigh)…..Again Read More »
Kevin* is fortunate to have health insurance through his job with a local construction company. Like most of us, he didn’t look very carefully at his options; he’s 34, generally healthy, and chose the plan with the lowest monthly cost. He makes about $35,000 a year, enough to keep the wolves away, but not enough
No Worries. After all, he had insurance. Read More »
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 »
You’ve reviewed the letter from your insurance company that says they’re not going to pay for a service you or a loved one has already had. When the rage has cooled and you re-read the letter, it states the reasons they denied payment, which may or may not make sense to you. Terms like “Didn’t
Appeal Your Insurance Denial Successfully! Read More »
Carla’s* mother had been hospitalized for a week for a hip replacement, and discharged to a skilled nursing facility for rehab. Three weeks after her admission, she received a notice that her mother’s Medicare plan was denying payment for her care because she wasn’t participating in therapy. Dave* had foot surgery that required the
Should you appeal your insurance denial? Read More »
What you don’t know might cost you! The air has already gotten a bit crisper on some of my morning walks. While that may mean apples and candy corn for some, it also signals open enrollment for health insurance for many of us. We have the most complicated healthcare system in the world, largely because
Health Insurance: Test Your IQ Read More »
It looks like a horse. It smells like a horse. It rides like a horse. It must be a horse, right? Well, maybe, unless it’s the Famous Mr. Ed. For those of you too young to remember, Mr. Ed was a talking horse who could only be heard by his owner, and was a bit
Short term health insurance….A horse (of course) or Mr. Ed? Read More »