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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

  • Sharon Gall

    Zionsville, IN

    Healthcare

    2 answers

    3 out of 3 people found Sharon's answers helpful

    Most recent answer
    I have Independence Blue Cross. I went to a provider in their National Blue Card network. They paid 70% of the discounted charge and calculated my 30%, which is fine. But, then they took the amount of the discount itself and added it to my responsibility, increasing my responsibility by $2900. What should I do next?

    We have seen this system glitch from a number of insurance providers this past year. As you are finding, it is becoming more and more difficult to obtain timely resolution for even the most obvious errors.  The way to win this one is through persistance. I see that you have already called Independence Blue Cross. I would make sure that any time you speak with them, you obtain both a representative's name and a reference number so that the call can be traced if and when 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.
  • Ronald Schwartz JD

    Deerfield, IL

    Healthcare

    12 answers

    5 out of 6 people found Ronald's answers helpful

    Most recent answer
    I was laid off from work on December 17, 2014. I had family health insurance coverage through my employer, which terminated on 12-31-2014. In January, 2015 I paid for COBRA coverage. Can I now enroll for different coverage effective Feb. 1st?

    It's too late to enroll for coverage effective 2/1/2015. But you do have time to enroll in an Affordable Care Act ("ACA") policy effective 3/1/2015. You have until 2/15/2015 to enroll. If you don't enroll by 2/15 you will not be able to sign up for an ACA policy until the next open enrollment period next fall. Depending on which state you live in you can enroll at healthcare.gov or an exchange which may be operated in your state. You can start at healthcare.gov and you will be directed to 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.
  • Claire Freeman CPC®

    Chino Hills, CA

    Healthcare

    35 answers

    18 out of 21 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.
  • Adria Gross FIPC

    Monroe, NY

    Insurance, Healthcare

    18 answers

    18 out of 18 people found Adria's answers helpful

    Most recent answer
    I have an adoption through DCF for a special needs child. In the adoption judgement finalization the state of FL supplies her Medicaid until she is 18. Will this be affected with Obamacare?

    To determine whether Obamacare affects your adopted child, contact:Insurance Consumer Advocate  //  Steve Burgess Mailing: 200 East Gaines St.Tallahassee, FL 32399-0318 Division of Consumer Services within the Department of Financial Services phone at 1-877-MY-FL-CFO (1-877-693-5236), toll-free in Florida, and (850) 413-3089 from out of state.I would call Florida Division of Consumer Services, ask them the question and keep record of who you spoke...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

    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.
  • Martine Brousse

    Santa Monica, CA

    Healthcare

    173 answers

    51 out of 64 people found Martine's answers helpful

    Most recent answer
    What is the allowable in network charge for respiratory therapy in Kentucky?

    I applaud your efforts to get a clear answer about the costs of your medical services. Too many patients do not exercise this right, and end up paying inflated or erroneous bills. As your insurance is the one determining your liability, I would advise you to call Customer Service and ask for an explanation. The representative can confirm that the provider was contracted for your plan, that the correct rate was applied, that your deductible and out of pocket costs were calculated correctly,...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

    11 answers

    47 out of 55 people found Maureen's answers helpful

    Most recent answer
    My father had surgery in mid-September, that if not performed could have left him paralyzed. We applied for Medicaid and it was approved effective November 1st. However, his surgery was in September and the bills are piling up. How do we manage these bills? Can these bills be negotiated? How can I find out if there are billing errors?

    Hi,It's so hard to help take care of one's parent and also take care of their medical bills!  Your father is fortunate to have you as his advocate and for you being proactive about his financial situation. I recommend you contact the billing offices and explain your father's financial situation including the fact that he became eligible for Medicaid in November.   Most hospitals provide charitable assistance programs and I recommend that your father apply. At a minimum, if 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.
  • Bonnie Sheeren

    Houston, TX

    Healthcare

    28 answers

    14 out of 17 people found Bonnie's answers helpful

    Most recent answer
    My wife delivered our baby two months ago. Despite having insurance, we just received two hefty bills. Is there anything we can do to negotiate the price with the hospital?

    Pat has excellent suggestions! I would also mention to be aware of "balance billing".Example:  Say the bill was $1,000 and insurance only pays $500 (as per their contract with the hospital), then the hospital charges the rest of the bill, the remaining $500 to the patient.However, balance billing is illegal in many states, depending on your state and 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.
  • Patty Breslin

    San Leandro, CA

    Insurance, Healthcare

    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.
  • Chris Acker ChFC,CLU

    Palo Alto, CA

    Insurance, Healthcare, Small Business

    4 answers

    1 out of 1 person found Chris's answers helpful

    Most recent answer
    Do I qualify for subsidy for health insurance? My wife and I are living separately and she files taxes separately, her income was less than $12,000 last year. Does she qualify?

    It depends on which state you live in.  If you live in a state with expanded medicaid, then you would both probably qualify for subsidies.  The subsidies are based on MAGI which factors in business expenses, etc.  I would go to your state exchange and input your data specifically to see if you qualify.  In California, it's the shop and compare tool on Covered California's web site.This can be pretty confusing, but I hope this helps a...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

    Salem, VA

    Healthcare

    58 answers

    58 out of 65 people found Pat's answers helpful

    Most recent answer
    My wife delivered our baby two months ago. Despite having insurance, we just received two hefty bills. Is there anything we can do to negotiate the price with the hospital?

    First, congratulations on your new baby! The first thing you will need to do is contact the billing department and request an itemized statement. Since it's already been two months since the delivery, they will need to get this to you fairly quickly. When you get the statement, look for anything out of the ordinary: double (even triple) billings for items you know she only received once, procedures that never took place, drugs and supplies she never received. Look at the section for the OR 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.
  • Stan Hatkoff PhD

    Gresham, OR

    Healthcare

    43 answers

    14 out of 24 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

    10 out of 11 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

    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.
  • Gary Votour

    Columbia, SC

    Healthcare

    34 answers

    24 out of 33 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.
  • Susan Dressler

    West Chicago, IL

    Insurance, Healthcare

    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.
  • Michael Mezheritskiy

    Farmington, CT
    Boston, MA

    Retirement, Investing, Healthcare

    78 answers

    116 out of 148 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

    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.
  • Sharon Hollander

    Encino, CA

    Healthcare

    96 answers

    33 out of 43 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

    23 out of 27 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

    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

    17 out of 19 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.
  • Jean Hanley MD

    Manhattan Beach, CA
    Walnut Creek, CA

    Healthcare

    6 answers

    4 out of 4 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

    7 out of 7 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

    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

    2 out of 3 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

    Insurance, Healthcare

    6 answers

    12 out of 12 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.
  • 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.
  • 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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