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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.

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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

  • Pat Palmer

    Salem, VA

    Healthcare

    57 answers

    56 out of 79 people found Pat's answers helpful

    Most recent answer
    I had an Emergency Room visit a few months ago which was uninsured. I now owe the doctor, ambulance, and hospital a little more than 25% of my annual income. Is it possible to get some advocacy from you folks to negotiate some modification of the bill?

    Most hospitals offer an uninsured discount. This discount is based on the fact that health insurance companies have a previously negotiated price for services. However, the healthcare facility is not going to automatically offer this discount to uninsured patients; you must request it. Additionally, many facilities offer a prompt-pay discount in which a certain percentage of the bill is discounted for promptly paying the balance. If this occurrence was from a few months ago, it might be too...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

    41 answers

    13 out of 21 people found Stan'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)

    Call the hospital billing department or ask the physician's office who will be doing it...that is the most accurate way.  You can also call Medicare and ask but it will only be a general...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

    10 answers

    34 out of 43 people found Maureen's answers helpful

    Most recent answer
    My son was mugged in Denver and required 4 hours in the emergency room and surgery to repair knife cuts to his neck, face and chest. These medical bills will bankrupt him. What can be done to check the validity of these bills?

    I'm very sorry what happened to your son and my best wishes to him for a speedy recovery.I recommend you have your son contact the hospital billing department and apply for financial or charitable assistance based on his present situation. At the very least, the hospital should provide an insured discount for his bill since he  was not covered by insurance at the time. He should also request an itemized bill from the hospital which includes all of the procedure codes (CPT) codes which 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.
  • Martine Brousse

    Santa Monica, CA

    Healthcare

    167 answers

    53 out of 78 people found Martine's answers helpful

    Most recent answer
    I fractured my nose two years ago while enrolled as a student and had an open reduction to fix it. At the time of the incident I was covered by two providers, Kaiser Permanente (unbeknownst to me, as it was through my mom's work) and United Healthcare (who covered me through the university, and who referred me to this hospital because it was in-network). At the time of the operation the only information that the hospital had was for United Healthcare, so when the bill came back they denied the claim contesting that Kaiser was the primary provider and must be billed first. The hospital delayed in notifying me and by the time it was sorted out and the hospital billed Kaiser, the window for timely filing was passed. Kaiser denied the claim for timely filing and now the bill is being routed to United Healthcare. Is there any chance the bill is still paid by United Healthcare as they were the ones who approved the operation in the first place? And if not, what are my options?

    If United Healthcare shows the claim was sent to them within the contracted timeframe, and if the denial Explanation of Benefit form Kaiser is recent, the changes are good that UHC will pay. If services were rendered in CA, and if you had a valid authorization (preferably in writing)  there is an almost 100% probability they will have to cover the charges (again, provided they were submitted within timely limits). There is a law in CA (AB1324) that you would invoke to force...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

    Insurance, Healthcare

    22 answers

    4 out of 5 people found Patty's answers helpful

    Most recent answer
    After a sports injury, I was taken to the local clinic. At the time I was told that the clinic would be considered urgent care by my plan. When the bill arrived, I paid my copay. After about a month, I got another invoice from the clinic, asking for payment of the balance. I replied in writing asking them to contact my insurance. A couple of months later another bill came. That time I spoke with my insurance, asking for details of their contract with the clinic so I could respond. I now got a collection notice. Advice? Thanks in advance.

    Hi!  I wanted to add that this sounds like a case of balance billing. What that means is that your insurance company paid the clinic what the contract with the insurance company provides.  The clinic then turned around and billed the remainder of their billing amount to you.  There are states where balance billing is illegal (many of them) and if you have been balance billed and it isn't allowed in your state, you are not liable for this bill.  What I recommend you do is:1....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

    20 answers

    12 out of 15 people found Bonnie's answers helpful

    Most recent answer
    After a sports injury, I was taken to the local clinic. At the time I was told that the clinic would be considered urgent care by my plan. When the bill arrived, I paid my copay. After about a month, I got another invoice from the clinic, asking for payment of the balance. I replied in writing asking them to contact my insurance. A couple of months later another bill came. That time I spoke with my insurance, asking for details of their contract with the clinic so I could respond. I now got a collection notice. Advice? Thanks in advance.

    Oh no!  Welcome to the world of sorting out billing issues!I just recently got an EOB for a bill that had been billed (and appealed and settled) from a year and a half ago!  It can be endless!The main goal you have right now is to keep the clinic's business office from contacting you.  One strategy that is quite effective is to call and check in with the business office people (in a very nice way) to keep them informed about how your insurance company is handling...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

    Insurance, Healthcare, Small Business

    20 answers

    8 out of 11 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.
  • Beth Morgan CPC®

    WILTON, CT

    Investing, Healthcare

    18 answers

    2 out of 4 people found Beth's answers helpful

    Most recent answer
    I had a medical insurance plan with Aetna through a former employer of mine. When I switched employers last year, I signed up for another medical insurance plan with Aetna through my current employer. Either my former employer never submitted an expiration date for my old plan or Aetna never documented the expiration of my old plan (neither will take responsibility). I was unaware of this for most of this year and only gave my health providers my new insurance plan info to bill. After I had to have surgery earlier this year, Aetna went back through all the claims I'd submitted for the year and recalled all the payments they had made to my health providers, claiming I needed to submit them through my old plan (which was still active in their system as my primary plan). What can I do? Can I sue Aetna?

    I would see if you could get a copy of your policy which would show two different ID numbers.  You should be able to prove that way which policy was in effect at the same time.  Since it was the same insurance plan, Aetna might not have processed the cancellation correctly.  By obtaining the Aetna ID information, in most likely cases can cancel the recall process.  I also recommend putting this into member ...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

    34 out of 44 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

    Personal Finance, Insurance, Healthcare

    39 answers

    12 out of 12 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.
  • Claire Freeman CPC®

    Chino Hills, CA

    Healthcare

    27 answers

    17 out of 20 people found Claire's answers helpful

    Most recent answer
    My out of network surgeon didn't go after me for the remaining balance on my bill after my first surgery. That led me to call him for a second surgery years after. Now he isn't happy with the payment from my insurance company, and wants to be paid in full. Am I responsible for the balance?

    The short answer is that you are responsible for the full out-of-network charge.  This is because your provider is not in network, and does not have a contract with your insurance carrier to accept their allowable amount as payment in full.  With that said you are able to negotiate your bill down.1. Make sure your insurance company processed the bill correctly.  Review your insurance carrier's explanation of benefits for any possible errors.  For hospital bills look 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.
  • Ronald Schwartz JD

    Deerfield, IL

    Healthcare

    10 answers

    4 out of 5 people found Ronald's answers helpful

    Most recent answer
    I've been suffering from what I've diagnosed as Arthritis in my hands. I can't afford to go to a doctor for a diagnosis or treatment. What can I do to get free medical help?

    At this site sponsored by the Health Resources and Services Administration of HHS, you can search for a Health Center near you: http://bphc.hrsa.gov/index.html Use the "Find a Health Center" orange box on the right side of 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

    Insurance, Healthcare

    16 answers

    17 out of 19 people found Adria's answers helpful

    Most recent answer
    How do I compare costs for back surgery from one hospital to another?

    Discuss the procedure codes your doctor will be billing for.  Contact the hospitals and ask what the fees will be for the procedure codes and whether your doctor has a contract with the hospital to perform the surgery.  If the medical provider does not have a contract, they will be considered an out of network provider and the fees might be much higher.  Also, be sure your health insurance carrier also has a contact with the hospital. If you need additional assistance,...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

    Insurance, Healthcare

    14 answers

    3 out of 9 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.
  • Michael Mezheritskiy

    Farmington, CT
    Boston, MA

    Retirement, Investing, Healthcare

    78 answers

    139 out of 202 people found Michael's answers helpful

    Most recent answer
    How do you find a good financial advisor with experience on retirement for someone with railroad retirement as an income source?

    The only thing I would add is the only real Fee- only advisor is a Registered Investment Advisor who is not registered as a Broker but is registered as an Investment Advisor. You want to make sure who ever you work with is one. Here is how you can check:you can go to Finras broker check sitehttp://brokercheck.finra.org/Individual/IndividualSummary.aspx?SearchGroup=Individual&FirmKey=-1&BrokerKey=1803101Type in the name of the advisor you are interviewing if he has a Check mark next...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

    Insurance, Healthcare

    36 answers

    14 out of 25 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.
  • Sharon Hollander

    Encino, CA

    Healthcare

    96 answers

    32 out of 48 people found Sharon's answers helpful

    Most recent answer
    I had to have several MRIs (4), blood tests, spinal taps, etc. this past February. I had to pay out of pocket for all of this to meet my deductible. I have one more bill for $345. Is there a way to get the bill forgiven?

    Is this $345.00 part of your deductible? If yes then it is still your financial obligation. Until your deductible is paid in full your insurance will not pay the claims.  I would contact the provider directly explain your financial position and request a discount or an acceptable payment option.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.
  • 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.
  • Lisa Berry Blackstock

    Agoura Hills, CA

    Personal Finance, Insurance, Healthcare

    36 answers

    21 out of 25 people found Lisa's answers helpful

    Most recent answer
    For health insurance purposes, is an acquired brain injury considered a mental illness?

    "Acquired brain injury" is a phrase I don't completely understand.  Regardless, if one suffers a brain injury due to a car accident, playing football, or happens to have a chemical imbalance in the brain (i.e. some type of mental health issue such as depression or bipolar that may be common in a family over generations) no health insurance carrier can deny you coverage.  The type of coverage offered, however, should be thoroughly scrutinized prior to purchase.  Verify the type 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.
  • Carlos Contreras, ChFC® ChFC

    Aventura, FL

    Retirement, Taxes, Healthcare

    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.
  • Denise Sikora

    Woodbridge, NJ

    Insurance, Healthcare

    34 answers

    22 out of 28 people found Denise's answers helpful

    Most recent answer
    The doctor I went to did not charge my health insurance for a service, and now that bill is in collections. What should I do?

    You can file the claim with your health insurance, by requesting a statement from the doctor and sending it to your insurance with their claim form. If the doctor participates with your insurance, then they are required by their contract with the insurance to submit your claims. So then I would contact the insurance and discuss this with them. Many times the insurance will call the doctor and inform them of their responsibilities for submitting claims. You should also let the collection...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

    17 answers

    18 out of 29 people found Linda's answers helpful

    Most recent answer
    I am seeking medical attention but still need to pay medical bills. What options do I have as a single parent who still attends college?

    You haven't mentioned if you have medical insurance: so if you don't, the first thing you need to do is to get some! We're in an open enrollment period, so this is the time to sign up, especially now that there are great plans available through the Affordable Care Act. In terms of going forward and getting care, it will be important to establish yourself as a patient with a doctor who accepts the insurance plan you have and who understands that you may have to pay your bills over time. 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.
  • Jean Hanley MD

    Manhattan Beach, CA
    Walnut Creek, CA

    Healthcare

    6 answers

    5 out of 5 people found Jean's answers helpful

    Most recent answer
    Where should I go for a second opinion?

    I agree that going to an orthopedic clinic that specializes in sports injuries is important. In particular, a knee-only specialist is best. To keep costs down make sure the doc is within your insurance network. Besides asking family and friends, calling a few general Ortho clinics and asking to what knee specialist they would refer may often reveal a physician who stands out. Depending on your knee issue, whether sports-related or not, a large academic hospital (if there is one near you) is...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

    9 out of 10 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.
  • Michelle Cates

    Port St Lucie, FL

    Healthcare

    7 answers

    6 out of 7 people found Michelle's answers helpful

    Most recent answer
    We have a recent hospital Emergency Room bill for $10,520 from January. It was recently reduced to around $980. Can we reduce what is left at all?

    Yes, it is possible for your balance to be reduced further. Some facilities will offer a prompt pay discount. For example, if you are able to pay 65% of the bill all at once the hospital may write off the remaining 35%. Also periodically hospitals will also run "debt amnesty" programs to reduce their outstanding aged accounts receivable. I've seen a hospital in the north east reduce bills by 50% during a debt amnesty program. If you're currently making monthly payments it never hurts to ask 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.
  • Stacy Gearhart JD

    Lakeland, FL
    Ft. Lauderdale, FL

    Healthcare

    4 answers

    4 out of 8 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

    4 out of 7 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 4 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

    Insurance, Healthcare

    6 answers

    12 out of 14 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.
  • 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.
  • Chris Acker ChFC,CLU

    Palo Alto, CA

    Healthcare, Insurance, Small Business

    0 answers

    0 out of 0 people found Chris'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

    Insurance, Healthcare, 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.
  • Victoria Caras JD

    Aspen, CO

    Healthcare, Insurance

    0 answers

    0 out of 0 people found Victoria'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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