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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

  • Ray Shoemaker MBA

    Plantersville, MS

    Insurance, Healthcare

    2 answers

    1 out of 1 person found Ray's answers helpful

    Most recent answer
    I need to start building credit. Where should I start?

    First off, let me start off with congratulating you for understanding how important credit is.  So, in this regard, you have already started.  Next, even though you state that you have no credit history, I think its important that you request a free credit report to see exactly what the credit bureaus have for you. Google online: Requesting a free credit report".   Its important to see if errors have been noted on your credit report or even stolen identity. ...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

    3 answers

    2 out of 2 people found David's answers helpful

    Most recent answer
    I neglected to file a claim on time and now I have medical bills in collections. Is there anything I can do?

    This is frustrating and I hear about it way too much in my practice. The short answer is that there is a lot you can do.For starters, initiate an appeal with your insurance company clearly outlining the situation.  Disregard if the appeal deadline or claim deadlines have passed, because insurance companies can make exceptions for exceptional circumstances.    Also, reach out to the hospital and determine WHY they did not bill and submit a claim to your insurance company. ...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

    92 answers

    44 out of 57 people found Bonnie's answers helpful

    Most recent answer
    Do you know how we can find out what we owe a hospital for a one night stay for surgery, which our health insurance refuses to cover?

    Be sure everyone is on the same page.If the insurance company made the mistake of thinking you had a "day surgery" and should have gone home, that would be the first thing to check since they would deny coverage if that error is in your records.  They should cover most to all of your hospitalization if you were considered an inpatient. If the insurance company insists that you had a "day surgery" procedure, obviously your surgeon disagreed with this.  Ask your surgeon's office for...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

    10 answers

    6 out of 6 people found Sheila's answers helpful

    Most recent answer
    I've just learned that my employer provided insurance, Aetna PPO, doesn't count "out-of-pocket" expenses that exceed the agreed upon doctor fee to my "out-of-pocket" expenses. Is that typical?

    That is typical.  You should not be charged for expenses that exceed the agreed upon doctor fee.  That agreed upon fee is what Aetna has negotiated with the provider on your behalf.  Any expenses that exceed that amount should be written off by your provider, and should not come out of 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.
  • Cheryl Welch

    Poughkeepsie, NY

    Insurance, Healthcare

    36 answers

    13 out of 21 people found Cheryl's answers helpful

    Most recent answer
    How can I figure out how much Medicare allows for a specific procedure at a given hospital? (details below)

    We see questions like this often on this board.A great website would be www.guroo.com or www.fairhealthconsumer.org or like Stan recommended calling the hospital directly. 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.
  • Lisa Homan

    Claremont, CA

    Healthcare

    60 answers

    15 out of 20 people found Lisa's answers helpful

    Most recent answer
    I found out that there are two medical bills on my credit report. Both are from delivery of a child during a time when I had Medicaid, which was supposed to cover birth and all. How did these medical bills get on my report? How do I get them off my report? How can I get Medicaid to pay for the bills like they where supposed to?

    Whenever an account has been assigned to collection, it becomes a bit more complex and time consuming to unravel.  First you should contact the provider of service (organizations that sent your account to collections) to determine if Medicaid was billed.  If the billing time limit has not expired, you can provide them your Medicaid information, and request that they submit/resubmit that claim.   Also, contact the collection agency and advise them that you are disputing 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.
  • Gabriella Barthlow AFC®

    Birmingham, MI

    Personal Finance, Insurance, Healthcare

    2 answers

    1 out of 1 person found Gabriella's answers helpful

    Most recent answer
    My mother, recovering from a 2011 bankruptcy, has asked me to sign a 36 month car lease for a car. Should I agree?

    I do not believe in co signing for anyone. Although, I did not hear you mention that term. So if you are leasing the car for her, that is a personal choice. If you are co-signing a lease for your mom, you must know you are equally liable for any missed payments and it will reflect on your credit score. You sound like you really love your mom and want to be there for her and that is great. I have over 17 years experience of hearing family situations where this is the scenario, but the 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.
  • Lisa Berry Blackstock

    Agoura Hills, CA

    Personal Finance, Insurance, Healthcare

    49 answers

    28 out of 39 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.
  • Pat Palmer

    Roanoke, VA

    Healthcare

    64 answers

    87 out of 96 people found Pat's answers helpful

    Most recent answer
    In general, how much does a trauma activation cost?

    Unfortunately, there is no straightforward answer for this because these fees vary greatly across the country and even within the same area. For instance, in Fort Pierce, Florida, a hospital has been known to charge $29,000 for a trauma activation fee, an Orange Park, Florida hospital charged $20,000 and a Jacksonville, Florida hospital charged $7,000. Orange Park and Jacksonville are only approximately 15 miles apart. Obviously, there are vast differences in fee amounts between hospitals and...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

    5 out of 6 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.
  • Denise Sikora

    Woodbridge, NJ

    Insurance, Healthcare

    38 answers

    19 out of 22 people found Denise's answers helpful

    Most recent answer
    Medical bill went into collections. Can it be disputed and taken off?

    I would actually still try to dispute it with Medicaid even though it has been more than a year. You had Medicaid then and they should have been paying. Many times it is because the lab did not have the Medicaid insurance information. Since you have since paid the bill, I would notify the credit agencies that the bill was paid in full and that you are in the process of appealing to Medicaid because they should have paid the bill. You should also have a paid in full letter from the 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.
  • Sharon Hollander

    Encino, CA

    Healthcare

    98 answers

    50 out of 63 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

    6 out of 7 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.
  • Chris Acker ChFC,CLU

    Palo Alto, CA

    Insurance, Healthcare, Small Business

    6 answers

    1 out of 3 person found Chris's answers helpful

    Most recent answer
    I went to doctor in the network and he ordered some test from a out of network place. The Insurance company is denying the claims and we got a bill for $3000. Had we known it was out of network we would not have done the tests. We can't afford this amount. What should I do?

    I, too, have seen these kinds of referrals in my practice.  I would definitely call the lab as Cheryl suggests.  I always make sure my clients understand that, these days, it's really up to the consumer to make sure that providers are in-network before procedures and to always make sure that procedures are coded correctly.  Providers make mistakes and you can save yourself money and headaches reviewing EOB's and provider bills as well...I would also call the insurance carrier and...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

    Personal Finance, Healthcare, Small Business

    12 answers

    79 out of 91 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

    5 out of 5 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 4 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

    19 out of 19 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.
  • Claire Freeman CPC®

    Chino Hills, CA

    Healthcare

    35 answers

    20 out of 23 people found Claire's answers helpful

    Most recent answer
    I went to the ER back in September for what I thought were kidney stones, and ended up having my gallbladder removed. According to my insurance provider (BCBS), I should only have to pay a $100 copay for all emergency room visits. However, the doctor is charging me separately, saying he's a specialist, not a hospitalist and has to charge me as an outpatient. Is this right? Do I have to pay for the Doctors visit and surgery separately or should that be part of the ER visit?

    I hope you're doing well since your surgery.Surgeries usually encompass several providers:  1) Hospital, 2) Surgeon, 3) Anesthesia, and then sometimes lab and/or radiology specialist (not the techs, but the doctors to interpret the tests).  The hospital will likely bill for the E.R. services and/or the Operating Room services (i.e. use of the room, supplies, and nursing care).  Surgeon is usually a specialist (as in your case) will charge separately from the facility.  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.
  • Beth Morgan CPC®

    WILTON, CT

    Healthcare, Investing

    20 answers

    2 out of 6 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 6 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.
  • Stan Hatkoff PhD

    Gresham, OR

    Healthcare

    43 answers

    28 out of 46 people found Stan's answers helpful

    Most recent answer
    If a facility says that they can do an MRI for the same cash pay price as my insurance and I have a high deductible plan, is there any reason I should go with the cash pay price and not use my health insurance?

    When you pay cash you are saving the provider money in processing and that is worth a lot to them.  Besides they get their money a lot sooner.  Go for...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 13 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

    41 out of 64 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.
  • Kevin Flynn

    Philadelphia, PA

    Healthcare, Insurance, Personal Finance

    39 answers

    10 out of 10 people found Kevin's answers helpful

    Most recent answer
    I have the Manulife Financial Insurance starter plan. How can I find out if they cover the cost of an MRI?

    You are best to call the insurance company and ask that question - "am I covered for an MRI?".  Then have your doctor pre-authorize the visit to be sure coverage will...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

    1 out of 3 person 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

    11 out of 14 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

    7 out of 8 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 1 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

    3 out of 4 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

    13 out of 13 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

    Personal Finance, Taxes, Healthcare

    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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