Health Insurance

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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