Medical Bills Should Have Reasonable and Customary Charges
I understand you’re facing a denied insurance claim for an $8,000 bill, which has now increased to $10,000 due to interest. Please keep in mind that for emergency room visits, you generally should not be charged more for out-of-network services than what an in-network provider would cost. I recommend contacting MedWise so we can review […]
Did Your Medical Bill Have Incorrect Charges
When you receive a medical bill, it’s really important to review it carefully to ensure it accurately reflects the care you received. Always look for duplicate charges or any other errors. If something on your bill seems incorrect or raises questions, start by contacting the provider’s billing department for clarification. If you don’t get a […]
Are You In Collections With Medical Bills?
When clients reach out to me regarding an outstanding medical bill, my first question is always, “Are you in collections?” It’s really crucial to avoid the situation, because once a bill goes to collections, settling the case becomes significantly more challenging. If there’s an error on the bill, you can approach the provider directly to […]
Chronic Illness Patient Advocacy for Denied Medical Claims
Chronic illness patient advocacy becomes especially important when managing your health also means fighting repeated insurance denials, confusing medical bills, prior authorization problems, and endless phone calls. For someone living with a chronic condition, one denied claim may be frustrating. Several denials involving medications, specialists, treatments, testing, or medical equipment can quickly become financially and […]
Are You Entitled to COBRA?
I hope this is not happening to you. Are you about to lose your job? What are you going to do for health insurance? Are you entitled to COBRA? Well, what’s COBRA? It’s a federal law offering temporary health coverage continuation after certain life events. Well, who is it for? It’s for employees, spouses, and […]
Durable Medical Equipment Billing Denied? What to Do Next
Durable medical equipment billing can become frustrating fast when an insurer denies a wheelchair, CPAP machine, hospital bed, brace, oxygen equipment, or another medically necessary item. You may have a prescription, a doctor’s recommendation, and a legitimate medical need, yet still receive a denial or unexpected bill. The important thing to understand is that a […]
What is a Facility Fee on Your Medical Bill?
Have you ever heard of a facility fee? A facility fee is an extra charge that hospitals add to cover overhead costs such as equipment, maintenance, support staff, and security. Even if the visit is virtual or at a hospital-owned outpatient clinic, they might have these additional fees. So patients often unknowingly agree to these […]
Can Medical Debt be Included in Your Credit Report?
In July 2025, a federal judge ruled medical debt can be included on people’s credit reports. That overruled a Consumer Finance Protection Bureau proclamation made in January of 2025. Had medical debt been left off of credit reports, it was expected to result in the approval of roughly 22,000 additional mortgages each year. Right before President Biden left […]
Emergency Room Billing Disputes After an Insurance Denial
Emergency room billing disputes can involve thousands of dollars, multiple providers, and an insurance denial that makes the entire balance appear to be your responsibility. The bill may feel impossible to challenge because the care already happened and there was no time to compare prices or networks. Yet emergency claims can be denied incorrectly, processed […]
Why It’s So Important to Have the Right Medical Insurance
It’s so important to have health insurance. According to the No Surprises Act, you are generally protected from balance billing for emergency services and for non-emergency services received at an in-network facility from out-of-network providers. You are only responsible for your in-network cost-sharing. So please remember that. Because of the No Surprises Act, if it’s an […]