Focus Areas

Client Specialties

Fee Structures

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

Typical Min. Client Assets

Designations

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

Availability

  • Adria Gross FIPC

    Monroe, NY

    Insurance, Healthcare

    24 answers

    20 out of 22 people found Adria's answers helpful

    Most recent answer
    How do I find old medical bills?

    I would look throughout my home and office, call my past medical providers and / or call my current and past health insurance...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

    7 answers

    2 out of 3 people found Carlos's answers helpful

    Most recent answer
    Pension leveling - what should I do?

    Nobody has a crystal ball which will give you the perfect answer to these tough choices, however, any one in your situation should be focusing on being the least wrong. On the surface, it appears that you are in a similar financial position before and after you reach 62. Here comes the big "however." Keep in mind that inflation for a 62 year older changes due to the inflation of healthcare (6% roughly) and prescription drugs (15% roughly). It is no secret that we are living longer and therefore...more »

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

    Poughkeepsie, NY

    Insurance, Healthcare

    69 answers

    27 out of 46 people found Cheryl's answers helpful

    Most recent answer
    I filled out Form 1490 to request the doctor to fill in the code so she can get paid and this hasn't been done. What do I do?

    You have a couple of options here ...Hand deliver it and wait for them to complete it.  It should only take a few minutes of their time to fill in the correct code.You can send it by certified mail with return receiptYou can request itemized statement that should show the procedure codesYou can contact Medicare and let them reach out to the doctor on your behalf.Wish you 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.
  • Diana Polyakov

    South San Francisco, CA

    Insurance, Healthcare, Small Business

    22 answers

    7 out of 10 people found Diana's answers helpful

    Most recent answer
    What are my health insurance coverage options?

    The open enrollment is now closed, so it will be best if you start looking at your medical insurance options sometime at the end of this year (November, December) for a plan to start January 1st of the following year. Since you are planning to have surgery it's best to select a plan that has a low deductible (or if possible no deductible). Also, if you already know who your doctor will be, check what type of insurance the doctor/clinic...more »

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

    Birmingham, MI

    Personal Finance, Insurance, Healthcare

    7 answers

    6 out of 6 people found Gabriella's answers helpful

    Most recent answer
    If I am looking to refinance my house, does it matter what I pay down (as far as debt)?

    This is a thoughtful question and shows you care about your financial well-being and you want to make sound- effective, wise, decisions. That being said; I will do my best to answer this question from the information you gave me. Credit advice is very subjective when not given details about your specific goals, budget, etc.Paying higher interest rate debt that is not a tax right off is always best versus interest that can be written off for tax purposes. More than likely, your credit card debt...more »

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

    St. Paul, MN

    Insurance, Healthcare, Small Business

    11 answers

    4 out of 4 people found David's answers helpful

    Most recent answer
    I have multiple medical bills in collections right now but I'm noticing that just about all of them I had health insurance for. Will my health insurance still cover it and get it off my back?

    I recommend you contact your State's Medicaid office immediately to get this resolved.In most cases your healthcare provider cannot bill you if you are on Medicaid. After you tell your healthcare providers (doctors, hospitals, clinics) that you have Medicaid, they must bill the state for your services. If they do not do so within the time limits set by state law, they will not be paid. However, the law says that they cannot bill you, sue you or report you to the Credit Bureau.There are some...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

    105 answers

    51 out of 69 people found Bonnie's answers helpful

    Most recent answer
    My doctor sent a blood sample to an out of state lab which my insurance doesn't cover. What do I do?

    Hi there!  So sorry to hear this!  I have a daughter who is leaving for college---and I know all the costs that come with being a student!  A $1,000 bill is not very budget-friendly to the average college student!Have you asked the doctor's office the reason your lab work was sent across the country?  Maybe there was a mix-up?  Or maybe there's another reason?  Answers from the doctor's office might help you appeal the denial with your insurance company. If the NY and CA...more »

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

    Claremont, CA

    Healthcare

    71 answers

    18 out of 25 people found Lisa's answers helpful

    Most recent answer
    I have medical bill which I can't pay. What are my options?

    So sorry to hear you are in this situation.  There are steps you can take to get resolution.  If you haven't already done so, seek assistance within the state you reside, and find out if you qualify for Medicaid.  Make sure they know that you need retroactive benefits, so the bills in question are part of the coverage.If this is not an option, contact the providers and find out about charity care applications.   Many hospital and providers have individuals that work...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

    101 answers

    61 out of 76 people found Sharon's answers helpful

    Most recent answer
    What are tiered networks?

    Welcome to the jargon on healthcare. I will try to simplify it. Providers ( Doctors and Hospitals) are divided into categories usually there are two sometimes 3. In Network ( Tier 1) and Out of Network (Tier 2) .  These are called tiers.  Employees pay different out of pocket costs and get different benefits if they use "in-network" doctors and hospitals than if they use "out of network".  Employers and Insurers care because the tiered networks control spending and Americans...more »

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

    Roanoke, VA

    Healthcare

    79 answers

    104 out of 115 people found Pat's answers helpful

    Most recent answer
    I can't afford my medical bill. Are there any resources to help me?

    Without knowing any more details about your situation, I would suggest that you go back to the provider to see if you qualify for charity assistance. I would also look into any state and local organizations that may provide assistance. I 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.
  • Chris Acker ChFC,CLU

    Palo Alto, CA

    Insurance, Healthcare, Small Business

    10 answers

    3 out of 5 people found Chris's answers helpful

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

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

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

    Gresham, OR

    Healthcare

    46 answers

    78 out of 132 people found Stan's answers helpful

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

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

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

    Woodbridge, NJ

    Insurance, Healthcare

    39 answers

    19 out of 24 people found Denise's answers helpful

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

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

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

    New York, NY

    Insurance, Healthcare

    14 answers

    10 out of 11 people found Sheila's answers helpful

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

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

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

    Chino Hills, CA

    Healthcare

    37 answers

    23 out of 26 people found Claire's answers helpful

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

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

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

    Philadelphia, PA

    Healthcare, Insurance, Personal Finance

    41 answers

    10 out of 11 people found Kevin's answers helpful

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

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

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

    Plantersville, MS

    Healthcare, Insurance

    3 answers

    1 out of 1 person found Ray's answers helpful

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

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

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

    Agoura Hills, CA

    Healthcare, Insurance, Personal Finance

    49 answers

    28 out of 40 people found Lisa's answers helpful

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

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

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

    Port St Lucie, FL

    Healthcare

    8 answers

    7 out of 8 people found Michelle's answers helpful

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

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

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

    Deerfield, IL

    Healthcare

    17 answers

    7 out of 8 people found Ronald's answers helpful

    Most recent answer
    Is a patient advocate bill tax deductible?

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

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

    Holderness, NH

    Healthcare, Personal Finance, Small Business

    12 answers

    106 out of 121 people found Maureen's answers helpful

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

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

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

    Zionsville, IN

    Healthcare

    4 answers

    9 out of 9 people found Sharon's answers helpful

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

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

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

    Walnut Creek, CA

    Healthcare

    8 answers

    4 out of 5 people found Jean's answers helpful

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

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

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

    WILTON, CT

    Healthcare, Investing

    20 answers

    3 out of 7 people found Beth's answers helpful

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

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

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

    San Leandro, CA

    Healthcare, Insurance

    25 answers

    5 out of 7 people found Patty's answers helpful

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

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

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

    Palo Alto, CA

    Healthcare

    19 answers

    12 out of 14 people found Linda's answers helpful

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

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

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

    Columbia, SC

    Healthcare

    34 answers

    81 out of 131 people found Gary's answers helpful

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

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

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

    West Chicago, IL

    Healthcare, Insurance

    14 answers

    2 out of 4 people found Susan's answers helpful

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

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

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

    Lincoln, CA

    Healthcare, Insurance

    36 answers

    18 out of 23 people found Pat's answers helpful

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

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

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

    Boulder, CO

    Healthcare, Personal Finance

    3 answers

    2 out of 2 people found Bettsee's answers helpful

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

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

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

    Vienna, VA

    Healthcare

    1 answer

    1 out of 1 person found Elisabeth's answers helpful

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

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

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

    Daly City, CA

    Healthcare, Personal Finance, Retirement

    2 answers

    2 out of 2 people found Ana's answers helpful

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

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

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

    San Francisco, CA

    Healthcare

    6 answers

    8 out of 9 people found Andrew's answers helpful

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

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

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

    Jacksonville, FL

    Healthcare

    1 answer

    1 out of 1 person found Harvey's answers helpful

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

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

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

    Osage Beach, MO

    Healthcare

    2 answers

    1 out of 2 person found Gloria's answers helpful

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

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

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

    Lakeland, FL
    Ft. Lauderdale, FL

    Healthcare

    4 answers

    2 out of 2 people found Stacy's answers helpful

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

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

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

    Menlo Park, CA

    Healthcare

    8 answers

    5 out of 6 people found Clarisa's answers helpful

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

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

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

    Wesley Chapel, FL

    Healthcare

    2 answers

    3 out of 3 people found Susan's answers helpful

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

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

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

    Cedar Park, TX

    Healthcare, Insurance

    6 answers

    30 out of 31 people found Michelle's answers helpful

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

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

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

    Arvada, CO

    Healthcare, Insurance

    0 answers

    0 out of 0 people found Mandy's answers helpful

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

    Walnut Creek, CA

    Healthcare, Personal Finance, Taxes

    0 answers

    0 out of 0 people found Johnny's answers helpful

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

    Aurora, CO

    Healthcare

    0 answers

    0 out of 0 people found Marie's answers helpful

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

    Summit, NJ

    Healthcare

    0 answers

    0 out of 0 people found AnnMarie's answers helpful

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

    Huntington Beach, CA

    Healthcare

    0 answers

    0 out of 0 people found David's answers helpful

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

    Kaneohe, HI

    Healthcare

    0 answers

    0 out of 0 people found Eileen's answers helpful

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

    Lebanon, OH

    Healthcare, Insurance, Small Business

    0 answers

    0 out of 0 people found Christopher's answers helpful

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

    Willow Grove, PA

    Healthcare, Insurance

    0 answers

    0 out of 0 people found Allen's answers helpful

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

    Raleigh, NC

    Healthcare

    0 answers

    0 out of 0 people found Nancy's answers helpful

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