My Personal Experience
April 5, 2019
I have health coverage thanks to MN Sure/Obama Care (ACA).
I used to have insurance thru my employer, but I had a health scare last February and have been on disability since then. My employer allowed me to keep my insurance until the end of last year, but since I don't have a new employer, we had to sign up for MN Sure. (I have always been the one to provide healthcare for the family. My husband's employer does not offer insurance as it is a mom and pop place.) So I got to experience firsthand how the sign up process works. I was able to do some of my sign up on line but when it got to how much money we make, it was practically impossible to figure out. My husband's income stayed the same but I was getting short and long term disability payments, some of which came like a paycheck from my employer and some were just checks. I wisely went to see a navigator who helped us get approved for coverage with a plan that would allow us to keep our doctors. We did qualify for some tax credit so got a bit of a...
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Taking Things in a New Direction
November 20, 2017
The past couple of days I have been thinking that I should develop a course in teaching people how to manage their own insurance appeals. There are adult education programs, and a lot of companies have what are called "Lunch and Learn" where people bring their bag lunches to a conference room to hear speakers on different topics. I am thinking if I develop a Power Point presentation explaining the process as well as some tutorial items I can put into a folder, that might be a good way to get the word out about what I do and help people to help themselves too. OK....guess I know what I will be doing with whatever free time I have. : )
classes, how to, insurance appeals, lunch and learn, patient advocate
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December 16, 2016
Today I got a letter from an external review organization indicating that they had overturned the decision to deny my most recent client coverage for the surgery he had earlier this year. He is not stuck with a bill for over $11,000. This is my absolute favorite part of my business!
Posted at: 07:27 PM | 0 Comments | Add Comment | Permalink
December 6, 2016
Today I went with a client to AAA in St Louis Park to get her (and her college age children) signed up for insurance coverage for 2017. It really wasn't my area of expertise, but I wanted to learn about it in case other clients had requests for such assistance in the future.
The gentleman who helped my client was Guy Milbert and his title is Long Term Care Planning Specialist. (In the world of MNSure, he is considered to be a "broker".) Who knew AAA had this particular kind of service? I certainly didn't.
He guided my client thru the enrollment process and answered all her questions. What I really liked about him was the fact that he didn't clam up when she asked questions about the different plans that were available. He got to the heart of what was important to her and helped her choose a plan that was similar to what she had before and was already comfortable with.
(We had met with another broker and he seemed to be afraid of giving his opinion and left both of us with the feeling that she wasn't going to get the answers she needed. Just goes...
aaa, enrollment, mnsure
Posted at: 08:23 PM | 0 Comments | Add Comment | Permalink
April 3, 2015
Medical Recovery Services Inc posted this on LinkedIn this week:
"If you know of a procedure you must have ahead of time, negotiate with the facility for a price for everything associated with the procedure. Get this in writing and signed by someone in a supervisory position."
I will be giving out this advice to absolutely everyone I know.....clients, family, co-workers and friends. Everyone should do this every time. Doing this will go a long way toward keeping your out-of-pocket expenses to a minimum.
Posted at: 08:39 PM | 0 Comments | Add Comment | Permalink
April 1, 2015
This is an amazing time to be alive. Technology is advancing at an amazing rate. Most of us have computers in our pocket (smart phones) and we can reach anyone anywhere in the world at a moments notice. And medical science is increasing at an equally rapid pace. Tests and scans improve almost daily. They are currently using polio virus to treat solid brain tumors! Successfully! What a world! And of course, all this comes at a cost. A cost that too frequently gets passed along to the consumer. Sometimes it's a reasonable share of the cost....sometimes it isn't. No one should pay more than their fare share. That's not too much to ask.....is it?
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