We have heard many clients say, “I have insurance, so I must be covered.” Unfortunately, in many instances, insurance will not cover certain procedures. Some are simply exclusions from coverage. Some procedures are deemed “experimental” or lacking in “medical necessity”. Many problems can be avoided with a bit of knowledge. Each insurance plan [...]
Many patients come to us with medical bills that far exceed their ability to pay. Non-profit hospitals, as well as with many other providers, offer some form of financial or “charity” assistance, depending upon individual financial circumstances. One facet of what we do in our representation is to investigate and [...]
Many Estates have claims made against them for medical debts of the decedent. While attorneys and Personal Representatives diligently manage the probate process, our services can result in significant savings to the Estate. Thus, there may be more assets available for distribution to the beneficiaries. We work with the Personal [...]
Patients often come to Human Health Advocates with hospital invoices and explanations of benefits (EOB’s) from their insurer, unsure as to their financial responsibilities. To ensure accuracy and avoid erroneous or unnecessary payments, we review your medical bills and the corresponding insurance determinations. We regularly deal with invoices from hospitals, [...]
There are numerous reasons why a health plan may deny claims. Some are meritorious, and others plainly fallacious. However, many denied claims result from administrative error by the provider or the health insurance plan. If the coding used to describe various diagnoses and procedures is off by a digit or [...]
We have many clients who are uninsured and incur substantial hospital/medical debt. All is not lost. There are several avenues to explore, which we can effectively do so on your behalf. In certain circumstances, financial aid packages are available which can greatly reduce or even eliminate medical debt. We will [...]
