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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

  • Lisa Homan

    Upland, CA

    Healthcare

    23 answers

    5 out of 5 people found Lisa's answers helpful

    Most recent answer
    My 64 year old wife had an event diagnosed as myasthenia gravis. A week in the hospital - complications with prednisone - resulted in $75,000 bill plus doctors. What are our options here?

    I am so sorry that you are in this situation. Financial assistance takes on a few different meanings when dealing with medical bills.  You may qualify for Affordable Care Act -ObamaCare coverage, and the hospital should be able to provide you with assistance in determining eligibility. In most hospital facilities they provide assistance in determining qualification for state Medicaid benefits too.    Also, if your annual income is at 30k, you may qualify within 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.
  • Lisa Berry Blackstock

    Agoura Hills, CA

    Personal Finance, Insurance, Healthcare

    40 answers

    24 out of 28 people found Lisa's answers helpful

    Most recent answer
    I have a $17,000 medical bill for the replacement of my pacemaker battery The hospital wants it paid up in 1 year so the payments would be over $400 I cant afford this what can I do?

    It doesn't sound as though you have medical insurance, which is why the bill would be so high.  If this is the case, everyone should know the prices quoted by hospitals, out-patient surgical centers, and diagnostic centers are all inflated.  A price list called the ChargeMaster is what each of these facilities use to privately set obscene prices that would bankrupt most Americans without insurance.  You, or someone on your behalf such as a patient billing advocate, should inform...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

    59 answers

    69 out of 76 people found Pat's answers helpful

    Most recent answer
    What can I do if I can't afford my medical bills?

    Unfortunately, this is a question that many people across the country have. I will try to answer as best as possible without having any more details.How long have you had these medical bills? Was it for something recent? If so, it's very possible that you can have them reduced for a "prompt pay" discount. Sometimes this type of discount reduces your balance up to 35%, but you must be able to pay it off in one lump sum or within a specified time period.Request a detailed, itemized statement 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.
  • Ronald Schwartz JD

    Deerfield, IL

    Healthcare

    14 answers

    6 out of 7 people found Ronald's answers helpful

    Most recent answer
    I lost my job and my company offered to pay my Cobra for three more months. Can I buy ACA (Affordable Care Act) insurance after the three months is over?

    Because the open enrollment period for the Affordable Care Act is over you will not be eligible to enroll in an ACA policy after your employer is no longer making your COBRA payments. You face the difficult decision of enrolling now in ACA coverage during your special enrollment period or waiting until November 15, 2015 for a new open enrollment period. You will need to crunch the numbers to determine which policy would be less expensive.Here's the official explanation at...more »

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

    Walnut Creek, CA

    Healthcare

    7 answers

    4 out of 4 people found Jean's answers helpful

    Most recent answer
    My mom had hip surgery yesterday and they are trying to get her to walk today. Can I get her transferred to another hospital?

    Thank you for the question. If your mother had hip replacement, then the standard of care is to get the patient up and walking with mobilization and physical therapy the next day. The reason for this is to recover lost function in the hips that occurred prior to surgery. More importantly, mobilization prevents deep vein thrombosis (DVT) or blood clots deep within the leg that can be life-threatening. Patients also need sufficient pain medication to allow them to start mobilizing. If 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.
  • Denise Sikora

    Woodbridge, NJ

    Insurance, Healthcare

    36 answers

    19 out of 21 people found Denise's answers helpful

    Most recent answer
    I had a car accident 5 days after the market place terminated my medical insurance due to my Social Security number not being on my application. In what order should I start trying to pay my medical bills? Hospital, surgeon, ER doctors, etc. I need to know if there is any type of help for an 18 year old unemployed, ex-college student in this situation.

    I know it seems very overwhelming right now to have to deal with so many different medical bills and probably for very high dollar amounts. I have many questions about your situation that would help me give you a better answer, but I would start by applying for emergency Medicaid through the hospital. It can take several months for an approval, but this could help pay all of these medical bills. Contact the charity care department at the hospital and tell them that you need to apply 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.
  • Sharon Gall

    Zionsville, IN

    Healthcare

    3 answers

    5 out of 5 people found Sharon's answers helpful

    Most recent answer
    I had a barrage blood tests done back in November that my doctor ordered to try to explain my recurrent miscarriages. I’ve come to find out that my insurance denied the claims because the test are considered experimental for the diagnosis code my doctor used. I’m still a member of the insurance company, so why can I not pay the member rate, even if the insurance denied the claim? I am also wondering if the doctor had any responsibility to tell me the tests were experimental and that the insurance may not cover them? And also, doesn’t the lab has some responsibility to tell me the tests are very expensive before I had them done, before I got myself into debt over this?

    It sounds like you have already performed quite a bit of research!  You are doing the right thing by not assuming the denial is correct. Most doctors will not perform "experimental" procedures without full disclosure. The fact that you have discovered that the diagnosis itself is not covered is probably the key to resolving this entire situation. It can be frustrating when you feel like a physician's office won't help you. You said you called them and asked if they could change 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.
  • Martine Brousse

    Santa Monica, CA

    Healthcare

    179 answers

    57 out of 71 people found Martine's answers helpful

    Most recent answer
    I am an international client and my surrogate will deliver in April in Philadelphia. I would like to find someone to help me negotiate the fees with the hospital. Where can I do that?

    Congratulations! (in anticipation)While patient or billing advocates are best suited to negotiate such costs on your behalf, I would first recommend you contact the attorney who is handling the paperwork. These offices usually have agreements in place with specific hospitals, and prices negotiated ahead of time. All might already be  taken care of. If this is not the case, the surrogate's insurance may cover the cost of the delivery. Medicaid will even do so, so unless maternity...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

    20 answers

    19 out of 19 people found Adria's answers helpful

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

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

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

    Houston, TX

    Healthcare

    43 answers

    19 out of 24 people found Bonnie's answers helpful

    Most recent answer
    I have not received my medical bill yet but I went on my insurance's website and was shocked to see that I'm expected to pay 12.7k out of a 29k surgery performed last week. Is there anything I can do to lower the cost?

    Glad your surgery is over and sorry you're having to deal with this during your recovery time!First of all, try to get an itemized bill so you can begin untangling the various charges:  Many times, the anesthesiologist, radiologist or lab work groups are separate from the hospital charges (as well as your actual surgeon).  Unfortunately, these days, while your hospital might have been "in-network", the anesthesiologists and other providers might have been "out-of-network". Talk...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

    19 out of 22 people found Claire's answers helpful

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

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

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

    WILTON, CT

    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.
  • Maureen Lamb

    Holderness, NH

    Personal Finance, Healthcare, Small Business

    11 answers

    65 out of 76 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.
  • 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.
  • Stan Hatkoff PhD

    Gresham, OR

    Healthcare

    43 answers

    25 out of 42 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

    11 out of 12 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

    37 out of 58 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.
  • 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

    39 out of 50 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.
  • 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.
  • Ana Herrera

    Daly City, CA

    Healthcare, Personal Finance, Retirement

    2 answers

    2 out of 2 people found Ana's answers helpful

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

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

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

    San Francisco, CA

    Healthcare

    6 answers

    7 out of 8 people found Andrew's answers helpful

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

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

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

    Jacksonville, FL

    Healthcare

    1 answer

    1 out of 1 person found Harvey's answers helpful

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

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

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

    Osage Beach, MO

    Healthcare

    2 answers

    1 out of 1 person found Gloria's answers helpful

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

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

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

    3 out of 4 people found Clarisa's answers helpful

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

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

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

    Wesley Chapel, FL

    Healthcare

    2 answers

    3 out of 3 people found Susan's answers helpful

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

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

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

    Cedar Park, TX

    Insurance, Healthcare

    6 answers

    13 out of 13 people found Michelle's answers helpful

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

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

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

    Arvada, CO

    Healthcare, Insurance

    0 answers

    0 out of 0 people found Mandy's answers helpful

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