Health Insurance

Open Enrollment Time (sigh)…..Again

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 »

No Worries. After all, he had insurance.

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 »

…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 »

Should you appeal your insurance denial?

  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 »

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