Medical Claims Management
We can free you from the frustrating and time-consuming task of trying to make sense of your medical bills and insurance reimbursements. Many people give up, and just pay the bills that seem most pressing. Most of the time, wrongfully denied claims or underpayments by insurance companies go undetected.
You don’t have to wrestle with your healthcare bills and claims. We can do it for you.
You send all of your medical bills and insurance statements to us in preaddressed envelopes.
- We manage your bills and reimbursements for you by:
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- Matching your medical bills with your insurance reimbursements to see that they are paid correctly.
- Pursuing wrongfully denied insurance claims.
- Submitting primary and secondary insurance claims, if necessary.
- When we have verified that a medical bill is correct, we return it to you to pay.
- We provide you with an annual summary of your medical expenses for tax purposes.
Medical Claims Advocacy
We can provide assistance to you in dealing with a number of individual events:
- Problematic medical claims that you don’t understand or feel are in error.
- Management of medical bills and claims for a single medical episode while you are recovering or serving as a caregiver.
- Negotiating charges or payments with your medical providers.
- Assisting you with medical and pharmaceutical plan choices.
Medicare Assistance
Medicare is not a one-size-fits-all proposition. We take time with you to fully understand your financial constraints and your personal preferences. Then, we present you with choices that accommodate your needs at the least cost to you. Without professional guidance, people spend hundreds, sometimes thousands, of dollars more per year than they have to. Medicare is very complex with many costly, unseen pitfalls:
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Overpriced Medigap Supplement Insurance - There are 12 different Medigap policies sold by 51 companies in Ohio. By Federal law, all companies must offer identical coverage. But, their premiums vary by $100’s per year! The ones you see on TV are among the more expensive. We can find the lowest cost coverage.
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Oversold Medicare Advantage Plans - Advantage Plans can be a lower cost alternative to Medigap supplement insurance. Many people are drawn to them by the lower cost and later disappointed with the coverage. We can help you understand Advantage Plans and determine if they are right for you.
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Costly Part D (prescription drugs) Plans - There are 48 Part D prescription drug plans sold in Ohio. None are the same, and only one is the lowest cost to you, depending on your prescription drugs. We can find the lowest cost plan.
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Enrollment - There are advantages to early enrollment and penalties for late enrollment.
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Employer Insurance - You may have a choice to keep or drop employer insurance when you retire. We can help you with that. Also, you may be able to delay signing up for Medicare Part B (which costs $110.50 per month) if you continue to work beyond 65, depending on your employer’s coverage. We can check that out.