Focus Areas

Client Specialties

Fee Structures

How an advisor is compensated can have an impact on the type of advice that you receive. Fee-only advisors are paid solely by the client, while commission-based brokers are paid by third parties in return for selling specific products. Many advisors receive both fees and commissions. See our "Guide to Financial Advisor Compensation" for more information.

Typical Min. Client Assets

Designations

While designations are not everything when selecting a financial advisor, they often indicate a certain level of knowledge related to a specific field and/or commitment to certain ethical and professional standards. Please see our detailed Guide to Financial Advisor Designations for more information.

Availability

  • Chris Acker ChFC,CLU

    Palo Alto, CA

    Insurance, Healthcare, Small Business

    10 answers

    3 out of 5 people found Chris's answers helpful

    Most recent answer
    I am looking for some more life insurance, should I get term or whole life?

    I like all of the previous answers, but I would focus on HOW MUCH insurance you actually need.  If you want to replace 80% of your $100k income, you would need $1,333,333.33 in invested capital earning 6%.  This, of course, doesn't take into consideration taxes and inflation, but you get the idea.Start with figuring out the block of capital needed, then how long or duration for the policy, then what kind of insurance do I want/can afford.  I have seen, as well as Guy I'm sure,...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Cheryl Welch

    Poughkeepsie, NY

    Insurance, Healthcare

    64 answers

    20 out of 38 people found Cheryl's answers helpful

    Most recent answer
    How can I possibly keep paying my medical bills? I have numerous chronic incurable medical conditions.

    I'm so sorry you have to go through this.I would reach out to your local "Office Of The Aging".  They maybe able to help you with getting assistance with prescription drugs and possibly getting Medicaid in place.  Best of...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Stan Hatkoff PhD

    Gresham, OR

    Healthcare

    46 answers

    78 out of 132 people found Stan's answers helpful

    Most recent answer
    I am a senior and have been a homemaker and volunteer activist my whole marriage. My husband died suddenly, can I have my medical bills waved?

    You did not provide enough information to answer your question.  How old are you?  Did you husband have medical insurance on you?  What about his life insurance?  If you are over 65 you should be on Medicare.  If your husband worked all his life then you are eligible for suvivor's Social Security Income at some point.  Your best bet is make an appointment with the Social Security office nearest you by calling...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • David Holt JD

    St. Paul, MN

    Insurance, Healthcare, Small Business

    8 answers

    3 out of 3 people found David's answers helpful

    Most recent answer
    I have coverage through the Affordable Care act with a deductible of $5000 a year. I need a gated cardiac MRI. How much will it cost?

    Great question!  And when you say how much will it cost - you mean how much will it cost you, right? You should call your insurance company and determine which healthcare providers are "in-network" for this procedure and to what extent your insurance covers the procedure.Insurance aside, you can get a feel for how much the procedure costs in your area by using the healthcare bluebook - www.healthcarebluebook.comHope this...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Denise Sikora

    Woodbridge, NJ

    Insurance, Healthcare

    39 answers

    19 out of 24 people found Denise's answers helpful

    Most recent answer
    How can I figure out if my health insurance will cover all of the costs of labor, delivery and the hospital stay?

    I recommend that you make a call to your insurance company and actually speak to someone in Member Services about your benefits for pregnancy, labor and delivery. It sounds like if you use in-network providers: doctors and hospitals who PARTICIPATE with your insurance plan, that they will pay at the contracted rate. The difference between what is billed and the contracted rate is written off of your account. You will be responsible for any deductibles, coinsurances or copays under your plan,...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Sheila Pope MBA,CPC®

    New York, NY

    Insurance, Healthcare

    14 answers

    10 out of 11 people found Sheila's answers helpful

    Most recent answer
    What can I do about a Treatment Room payment I cannot afford?

    That seems like a lot!  Unfortunately, I see charges like that frequently.  If you cannot afford the payment, call the hospital and let them know.  They may be able to provide financial assistance or a payment plan that will help you settle the balance.  You can also try to negotiate with them to lower the balance.  Here are some negotiation tips that others on this site have found helpful in the past:1)  Contact the billing office and let the billing...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Gabriella Barthlow AFC®

    Birmingham, MI

    Personal Finance, Insurance, Healthcare

    6 answers

    3 out of 3 people found Gabriella's answers helpful

    Most recent answer
    I heard that if I have a limit of $1,000 per month, I can charge on the card and then pay it off right away. I just need to make sure to know when the credit card company reports to the credit bureau. Does this work to keep my credit utilization low?

    I am glad you asked this particular method for paying off or paying down on your balance before the due date. This is not really a trick, so much as to how credit card balances work to your advantage for keeping your scores at maximum levels. Pay your credit card balances 2-3 days before the close out date of your credit reporting date. I will give my own visa credit card example: My due date for payment is on the 10th of the month. My credit card balance close out date for reporting to credit...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Bonnie Sheeren

    Houston, TX

    Healthcare

    101 answers

    46 out of 62 people found Bonnie's answers helpful

    Most recent answer
    If I self pay for CT Scan at the Mayo Clinic Rochester, MN, will it be cheaper than using my insurance?

    Hi there! You might use Healthcare Bluebook to give you a ballpark figure for what a CT scan might cost in the Mayo Clinic area (you'll need to click on the exact type of CT scan you might have and then put the zip code into the right hand side once that web page comes up). https://healthcarebluebook.com/page_SearchResults.aspx?CatID=37You should be able to use that price as a reference point when you talk to the business office person at the Mayo Clinic.  They should be able to tell you...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Lisa Homan

    Claremont, CA

    Healthcare

    69 answers

    16 out of 23 people found Lisa's answers helpful

    Most recent answer
    My husband had an emergency appendectomy. After our insurance pays its 80% we still owe $10,000 out of pocket. We're willing to make payments but cannot afford to have it paid in a year. How can we keep this from going to collections?

    This is a serious problem in American, insured and still owe more medical debt than you can pay.  Many hospitals will consider financial assistance  or charity care applications for individuals even if there were covered by a third party payor.   In some states there are laws that provide consumer protection for patients with large amounts of medical debt.  Do a bit of research and find out if the hospital accepts applications for individuals regardless of third party...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Claire Freeman CPC®

    Chino Hills, CA

    Healthcare

    37 answers

    23 out of 26 people found Claire's answers helpful

    Most recent answer
    How can I see a medical professional if I don't have money to pay Cigna's deductible ($1500)?

    The deductible is not a payment made all at once.  It is accumulated over the course of time possibly spread over over several providers.  Suppose you went to your IN-Network family doctor, and the amount charged for the visit was $200.00.  Now, for the same visit Cigna deemed the visit has an allowed amount to $150.00.  If you have not met your deductible, Cigna may apply $150.00.  If that's the case, then you are responsible to paying $150.00 to your IN-network family...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Pat Palmer

    Roanoke, VA

    Healthcare

    69 answers

    95 out of 105 people found Pat's answers helpful

    Most recent answer
    Do I have to pay for medical procedures that were performed but were unnecessary for diagnosis?

    I'm sorry that you are going through this. Unfortunately, we see situations similar to this on a daily basis.You may want to order the doctor's notes from the visit and have a medical billing advocate review the charges and notes to determine if the diagnosis justifies the services performed. If it does not, I would consider sending a certified letter to the provider disputing the charges and requesting an adjustment and/or a response to the disputed charges if they disagree. You have a right...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Kevin Flynn

    Philadelphia, PA

    Healthcare, Insurance, Personal Finance

    41 answers

    10 out of 11 people found Kevin's answers helpful

    Most recent answer
    What should I look into for health insurance to keep me going while I'm back at school?

    First, inquire with your school if they offer student insurance.  These plans generally aren’t great, but they tend to be cost effective.  Second, as your income will be changing due to the fact that you will no longer be working, you may be eligible for a tax subsidy from www.healthcare.gov. To that end, and assuming you do not have any chronic health conditions, you may select a less expensive plan on www.healthcare.gov and benefit from...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Ray Shoemaker MBA

    Plantersville, MS

    Healthcare, Insurance

    3 answers

    1 out of 1 person found Ray's answers helpful

    Most recent answer
    My mom has Alzheimer's, and we're anticipating large medical bills down the road. What are resources to find out more about how we can fund her care - including government options?

    Part of the answer depends on the state in which you reside.  As I look at your situation, I see three distinct challenges that need to be dealt with immediately: asset protection, costs of care and care planning.  As you stated, "down the road" there is the possibility/anticipation of large medical bills.  These large medical bills could exhaust your mother's assets.  It's time to take action now:1) Consider developing a plan as it relates to protecting a your...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Lisa Berry Blackstock

    Agoura Hills, CA

    Healthcare, Insurance, Personal Finance

    49 answers

    28 out of 40 people found Lisa's answers helpful

    Most recent answer
    I have Blue Cross Blue Shield PPO health insurance. What is my out of pocket cost for an MRI of my knee?

    There is no easy way to answer your question, as the answer depends upon several factors.  (1) What are the details of your PPO plan regarding your annual deductible and co-pays? (2) Do you have a physician's written order/prescription for your MRI of your knee? (3) Where do you intend to have your MRI performed, as costs vary.  First address your annual deductible.  Have you met its limits?  If not, your MRI fee will likely be your entire responsibility and that cost...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Michelle Cates

    Port St Lucie, FL

    Healthcare

    8 answers

    7 out of 8 people found Michelle's answers helpful

    Most recent answer
    I have Medicare Complete through United Healthcare. Can I use a coupon for my medication?

    Absolutely you can use coupons for medication. I often will present the pharmacist with my health insurance card, discount cards, and coupons. They will be able to assist you with finding the most cost effective way to purchase your medication. In most cases you won't be able to use more than one payment option, but they will be able to guide you with your options. Sometimes even no insurance at all can be...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Sharon Hollander

    Encino, CA

    Healthcare

    98 answers

    59 out of 73 people found Sharon's answers helpful

    Most recent answer
    Why am I having trouble finding a good doctor that takes Medicare?

    No you just had bad luck. There are in excess of 700 thousand physicians who accept Medicare. I am not sure your geographic area, but you can contact the Medicare CMS website for a directory of physicians in your area.  Many hospitals also have a referral source to direct you to doctors in your area. Hope this...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Ronald Schwartz JD

    Deerfield, IL

    Healthcare

    17 answers

    7 out of 8 people found Ronald's answers helpful

    Most recent answer
    Is a patient advocate bill tax deductible?

    The IRS has not issued a tax ruling yet on whether patient advocacy expenses can be deducted as an itemized expense on Schedule A to IRS form 1040. Arguments have been made that the services of a patient advocate fall within this tax deduction but a test case is needed to determine whether the IRS will recognize this...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Maureen Lamb

    Holderness, NH

    Healthcare, Personal Finance, Small Business

    12 answers

    106 out of 121 people found Maureen's answers helpful

    Most recent answer
    Can I ask for more discount on my Medical bill after losing my job?

    So sorry to hear that you just lost your job. I recommend you call the billing office and explain to them your current situation and ask about applying for financial assistance for your medical bill. At the very least, if you don't qualify for financial assistance, the billing office should be willing to work with you to adjust your current payment plan based on your recent loss of income. Best of luck to...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Sharon Gall

    Zionsville, IN

    Healthcare

    4 answers

    9 out of 9 people found Sharon's answers helpful

    Most recent answer
    Can you be put in collections for a medical bill you have been making payments on every month, even if you called to tell them you can't pay as much as you have been, but are still paying every month?

    This is a hard situation...especially when you are making the effort to pay a provider.  The truth is that in many states, you can be sent to a collection agency even when you are making partial payments.In your question, you didn't specify the type of medical provider that was billing you.  Many hospitals and facilities that provide large dollar services will have more generous payment options available. Some offer payment plans in-house, while others work with medical...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Jean Hanley MD

    Walnut Creek, CA

    Healthcare

    8 answers

    4 out of 5 people found Jean's answers helpful

    Most recent answer
    Does a chlamydia/gonorrhea test show up as that on a insurance bill or is it in code?

    This is a very good question. Two codes show up on an insurance bill, neither of which have the diagnosis written out. One code is the diagnostic code (Dx) and the other is an insurance billing code (CPT). Both are numbers only. This system protects a patient's privacy as the bill works its way from the doctor's office to the...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Adria Gross FIPC

    Monroe, NY

    Healthcare, Insurance

    20 answers

    20 out of 21 people found Adria's answers helpful

    Most recent answer
    I'm an extremely poor 20-year-old college student with $5000 in credit card debt and over $500 in hospital bills that I have no hope of paying off anytime soon. What should I do? (details below)

    Sorry to hear the difficult circumstances.  I recommend contacting the medical provider(s) and explain your financial status.  Most often, they will have you fill out paperwork and provide them with financial records to prove your inability to pay the medical charges.  I wish you luck in trying to resolve your medical bill...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Beth Morgan CPC®

    WILTON, CT

    Healthcare, Investing

    20 answers

    3 out of 7 people found Beth's answers helpful

    Most recent answer
    On 11/15/2012 I had an open reduction to fix a nose fracture while enrolled as a student at a school in Southern California. At the time of the operation I was covered by two insurance companies, UnitedHealthcare through my school, and Keizer Permanente through my mother's work. The hospital had the wrong insurance information for Keizer and billed United first, resulting in a denial on 01/13/2013 because Keizer was primary. The hospital delayed in correcting the information and by the time I sent them the correct information, it was beyond the timely filing date of 365 days, therefore Keizer denied the claim for timely filing and for being out of network. I have yet to hear a response but is there any chance that United is still liable for the bill as a secondary insurance provider? And if not is there any action I can take towards the hospital for not attempting to contact me to correct billing mistakes?

    Yes, this amount is high for a 2 hour stay.  However, the bill might include other charges as well such as x-ray, lab, etc.  IF you have medical insurance ask the facility to submit the charges to your insurance.  IF you don’t have insurance, inquire about obtainging financial assistance for paying this bill.  You can also try to negotiage a one-time settlement...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Patty Breslin

    San Leandro, CA

    Healthcare, Insurance

    25 answers

    5 out of 7 people found Patty's answers helpful

    Most recent answer
    I'm looking for a health care plan. How do I find the best one for me?

    Hello,Because you make $29,000 per year you should start with the public healthcare exchange.  New York State has a state exchange found here which will allow you to enter your income information, age and basic contact information, and it will tell you how much of a subsidy you qualify for, which is available for people making less than approximately $45,000,  Once you find out about the subsidy you may qualify for, you can select from health plans available right at the exchange....more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Linda Adler

    Palo Alto, CA

    Healthcare

    19 answers

    12 out of 14 people found Linda's answers helpful

    Most recent answer
    My wife's PCP ordered a test from an out-of-network provider. We NEVER approved the use of out-of-network providers, and now we're stuck with the bill. What options do we have?

    I hate hearing stories like this, because it's NOT supposed to be the way things work. Unfortunately though, patients need to learn to play defense when it comes to medical billing. Which means that in the future, you'll have to check every step of the way to confirm whether or not things are in network: so ask questions about every potential charge going forward to make sure it is indeed covered, and never assume anything.As for this case, you may be stuck with at least part of the bill. Can...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Diana Polyakov

    South San Francisco, CA

    Healthcare, Insurance, Small Business

    20 answers

    7 out of 10 people found Diana's answers helpful

    Most recent answer
    Can I use a life changing event, if I'm dropped from my dental and vision plan, to obtain health insurance? Or can I only add a new dental and vision plan?

    life events apply only in cases when the open enrollment is closed (after February 15, 2015). Dental and Vision plans are not subject to qualifying life events. You can get a dental and vision plan anytime during the year. here are some qualifying life events that will allow you to get a heath insurance plan once the open enrollment has ended: Getting married or entering into a domestic partnership.Having a child or adopting a child, receiving a child into foster care, or placing a child in...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Gary Votour

    Columbia, SC

    Healthcare

    34 answers

    81 out of 131 people found Gary's answers helpful

    Most recent answer
    I am a member of the healthcare field, specifically medical billing. I have concerns that an employer whom I recently left may be providing very poor billing habits. Should I be alarmed by this situation and pursue further or simply move on?

    If you suspect that your former employer is engaged in billing practises that may be fraudulent, you should consider reporting the facts of the situation to the insurer. If the insurer is Medicare, then you can do so by contacting the Office of the Inspector General at Health and Human Services,HHS Office of Inspector GeneralCall: 800-447-8477TTY: 800-377-4950Online: Report Fraud OnlineMail: HHS Tips HotlineP.O. Box 23489Washington, DC 20026-3489I do not know if the instances you mentioned...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Susan Dressler

    West Chicago, IL

    Healthcare, Insurance

    14 answers

    2 out of 4 people found Susan's answers helpful

    Most recent answer
    Would you recommend an HMO plan for a person that travels?

    This is the way HMO's work; in order for medical bills to be honored & paid, there must be a referral  from the primary HMO physician to all other treating providers. No HMO referral, no payment.   If someone is traveling, this is not  easy to do. If the claims are due to an emergency accident or illness, the claim may be paid, but hard to get this...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Pat Johnson

    Lincoln, CA

    Healthcare, Insurance

    36 answers

    18 out of 23 people found Pat's answers helpful

    Most recent answer
    As a 68 year old male, what is the best Medicare Part D Plan and Pharmacy for me: Crestor, Finasteride, Flovent, Lamotrigine, or Tamsulosin?

    You can go to www.Medicare.gov, Medicare I-800-633-4227, www.Q1Mdicare.com ( 888-205-9813) or you can contact me. Check out my website for drug plan form and my Medicare 2015 Up Date Newsletter.I am happy to...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Bettsee Gotwald

    Boulder, CO

    Healthcare, Personal Finance

    3 answers

    2 out of 2 people found Bettsee's answers helpful

    Most recent answer
    I am continuing to receive bills from individual physicians for an overnight hospital stay I had 5 months ago. How can I find out when these bills will stop?

    My answer is based on the assumption that you have medical insurance. Without knowing the specifics of your insurance coverage and your hospital stay, it's difficult to evaluate what other circumstances my be impacting your situation. However, if you are receiving bills from the individual physicians, my suggestion is to call the billing office. Their phone number should be indicated on the bill. It's very possible that your insurance coverage information was not submitted to the various...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Elisabeth Russell CSA

    Vienna, VA

    Healthcare

    1 answer

    1 out of 1 person found Elisabeth's answers helpful

    Most recent answer
    I have a quite a bit of medical bills. Am I better off getting a loan or paying the minimum amount?

    After ensuring that bills are correct and insurance has paid its part, it is always possible to try to negotiate with providers to reduce the balance due.  Often they would rather offer a discount and get paid less, but promptly, rather than the full amount dragged out.  We have done this successfully for our clients....more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Carlos Contreras ChFC

    Aventura, FL

    Healthcare, Retirement, Taxes

    6 answers

    1 out of 2 person found Carlos's answers helpful

    Most recent answer
    I receive a letter twelve years ago stating that I have a pension and should contact the pension administrate at a PO BOX address. I wrote two letters, one certified, to the address and I never received any response. Is there a government agency that can help me with this?

    In my home state there is a department that receives escheated property. You should research your state and contact the department responsible and ask them if in fact they aren't holding your pension...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Ana Herrera

    Daly City, CA

    Healthcare, Personal Finance, Retirement

    2 answers

    2 out of 2 people found Ana's answers helpful

    Most recent answer
    I am a 39 year old small business owner. Should I look into getting insurance through the California marketplace? Do you have suggestions for good medical insurance that can be purchased by individuals?

    Do you have any employees?  How many employees do you have?And if you have employees are you thinking of offering them coverage?If the coverage is only for you and your family, it might be an advantage to apply for coverage through Covered California, it depends on your AGI (adjusted gross income), because you might qualify for subside help.  The cost of going outside the exchange is the same, but outside you won't get the subside...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Andrew Fitch

    San Francisco, CA

    Healthcare

    6 answers

    8 out of 9 people found Andrew's answers helpful

    Most recent answer
    At the time I visited my doctor, I had health insurance through my employer. I no longer work at the company, and now the insurance won't pay my bill of about $450. I didn't know I still had this bill and have made no payments. How can I reduce this bill?

    Based on the statement you submitted, your provider is billing you for a $462.43 patient balance -- which is equal to 100% of the billed charges. It looks like the hospital billed UnitedHealthcare as your health insurance plan but that your health plan denied the claim ("$0.00 Insurance Pmts/Adjs").I recommend calling your health insurance carrier to verify they received this bill and to ask the call representative why your claim was denied. Common reasons for a denied claim include not having...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Harvey Matoren MPH

    Jacksonville, FL

    Healthcare

    1 answer

    1 out of 1 person found Harvey's answers helpful

    Most recent answer
    I am scheduled for surgery very soon. How do I know if anything related to my surgery needs precertification and/or approval?

    Lack of per-certification and approval is a major factor in denial of claims after they are submitted.  The policy holder is ultimately responsible for obtaining such approvals.  The easiest way to do this is first to call your insurance company to determine if you need such pre-certification.   You may need the specifi diagnosis and procedure codes which you can obtain from your doctor's office.   Many providers will tell you that they will obtain the precert fore...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Gloria Peth

    Osage Beach, MO

    Healthcare

    2 answers

    1 out of 2 person found Gloria's answers helpful

    Most recent answer
    My daughter had a CAT Scan at Thayer hospital in Waterville Maine. Our bill was $3,600 and our responsibility was $2,700. Are CAT Scans really this expensive?

    This should answer you question!Waterville CT Scan Facility & Pricing IntroductionThere are 3 healthcare providers who offer CT Scan procedures in Waterville. The cheapest list price of an CT Scan in Waterville is $390.00 while the highest price is $4,600.00. There are 21 different types of CT Scan provided in Waterville and the pricing is different for each. Shop from the providers below and see how much money you can save.Waterville CT Scan Procedures & Cost AveragesBrain CT Scan Cost...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Stacy Gearhart JD

    Lakeland, FL
    Ft. Lauderdale, FL

    Healthcare

    4 answers

    2 out of 2 people found Stacy's answers helpful

    Most recent answer
    How and where can I apply for Extra Help with Medicare prescription drug costs?

    Medicare beneficiaries can qualify for Extra Help with their Medicare prescription drug plan costs. The Extra Help is estimated to be worth about $4,000 per year. To qualify for the Extra Help, a person must be receiving Medicare, have limited resources and income, and reside in one of the 50 States or the District of Columbia.  Information on Extra Help offered through the Social Security Administration can be found at: http://www.ssa.gov/medicare/prescriptionhelp/ Additionally, there...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Clarisa Odell

    Menlo Park, CA

    Healthcare

    8 answers

    5 out of 6 people found Clarisa's answers helpful

    Most recent answer
    What happens if I can't pay my medical bills?

    What happens depends upon who you owe.  Many providers will send your account to collections, which will affect your credit score.  Some hospitals may put a lien on your property.I advise my clients to pay at least a little bit each and every month to avoid being sent to collections. This practice is not guaranteed to keep you out of collections but has worked for many of my clients.Good luck....more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Susan Scherer RN

    Wesley Chapel, FL

    Healthcare

    2 answers

    3 out of 3 people found Susan's answers helpful

    Most recent answer
    My 86 year old father is hospitilized with pneumonia in Seattle, Washington. Unfortunately, all of us children are spread out across the country. We've been communicating with a patient navigator at the hospital while we schedule our flights and time off from work, but one of my co-workers suggested hiring a patient advocate as well. What is the difference between a patient advocate and patient navigator?

    Another good resource is the National Association of Healthcare Advocacy Consultants. You will be able to locate an advocate and review different agencies....more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Michelle Turner

    Cedar Park, TX

    Healthcare, Insurance

    6 answers

    30 out of 31 people found Michelle's answers helpful

    Most recent answer
    How can I pay for drug prescription without going broke? Going on Atripla soon!

    For eligible patients, Bristol-Meyers Squibb will help pay for the cost of prescription co-pays for ATRIPLA —up to $400 per co-pay for a total of 12 monthly co-pays within 1 year. If the total cost of your co-pay is over $400, you will be responsible for the outstanding balance. The program is for patients who meet certain eligibility criteria. Not sure if you are eligible, but here's a link for more information: http://www.atripla.com/copay.aspxGood...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Mandy D'Ambrosia MBA

    Arvada, CO

    Healthcare, Insurance

    0 answers

    0 out of 0 people found Mandy's answers helpful

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Johnny Roland CFP®,EA,MBA

    Walnut Creek, CA

    Healthcare, Personal Finance, Taxes

    0 answers

    0 out of 0 people found Johnny's answers helpful

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Marie Connolly

    Aurora, CO

    Healthcare

    0 answers

    0 out of 0 people found Marie's answers helpful

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • David Sandhu RN

    Huntington Beach, CA

    Healthcare

    0 answers

    0 out of 0 people found David's answers helpful

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Christopher Michaut

    Lebanon, OH

    Healthcare, Insurance, Small Business

    0 answers

    0 out of 0 people found Christopher's answers helpful

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Allen Heffler ChFC,CLU

    Willow Grove, PA

    Healthcare, Insurance

    0 answers

    0 out of 0 people found Allen's answers helpful

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Nancy Ruffner

    Raleigh, NC

    Healthcare

    0 answers

    0 out of 0 people found Nancy's answers helpful

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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