Medical Billing Offices:Swimming with Sharks

I would like start by stating, that I understand medical billing offices have a job to do.  What I am writing about is how the billing offices go about the business of recouping their money since the economic downturn.  With insurance raising premiums and the least expensive policies having higher deductibles and larger coinsurance, patients…

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Why Is My Employer Health Risk Assessment Now Mandatory?

I recently received an inquiry on the topic of Employer Health Risk Assessments.  The person told me in the past, the company offered the assessments during annual insurance open enrollment.  This year, the flier stated, “if you complete both the Biometric Screening and My Blue Print, you pay less than those who do NOT participate.…

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Day 8: Insurance Utopia: Health Insurance That Actually Covers Healthcare

I say, I am a dreamer, just like the John Lennon song. I certainly dream of health insurance that actually covers people’s health needs.  Insurance that doesn’t deny needed services especially for the mentally and chronically ill.  I wish I didn’t have to explain to  parents why their child with a life threatening illness, can…

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Dental Insurance Needs An Overhaul

I have two questions.  Why is dental care not considered part of healthcare insurance and why does dental insurance pay for almost nothing? I have never been clear why my teeth and oral health are not considered part of my body and covered under healthcare insurance.  Why aren’t dentists considered specialist under health insurance like…

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Repeat MRIs:Best Done At The Same Center

I discovered an interesting fact about radiological testing.  There is not a standard image setting for MRI or Cat Scans when being preformed. Nor are machines the same  in quality and maintenance procedures. The settings may be similar but determined at the discretion of the radiology group.  This all came as a surprise to me.…

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Health Insurance Alert: The New Tier Program for Payment

There are  new insurance plans on the market that are being advertised as a way to reduce healthcare cost and allow consumers to be in charge of their healthcare expenses. It is called a tiered program.  It is modeled after the prescription medication plans where generic medications have the lowest copays and brand name the…

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Help! I’ve Fallen and No Insurance Company Will Take My Voucher!

I am not opposed to lowering Medicare costs.  After all, it is money I have put in and would like it to be around when I need it.  Medicare has been a life saver for many people.  It is a plan that has provided health care treatment without the threat of being dropped.  It doesn’t…

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The Confusing World Of Rehab: Insurance

As with all things in healthcare these days, it is driven by insurance.  This is the case with rehabs.  Most all insurances have hospital and rehab benefits. In private insurances, the covered varies as do coinsurances and copays.  The average fro rehab coverage is 100 days.  On admission, request the billing department or case management…

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HMO/Capitated Plans: Just Another Advocate Nightmare

I had my first baptism by fire when dealing with an HMO capitated plan.  I was stopped in my tracks by the ability of the plan to control accessibility and choice.  I had never experienced a plan with limited patient options and control.  I thought I knew them all and along comes the HMO Selected Network…

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