Whether your health insurance is through your employer, a private policy, or Medicare, you’re headed for open enrollment. This is when insurers make cost and benefit changes that will be effective January 1st. Your insurer is required to notify you in writing of upcoming plan benefit changes. Take the time to study those changes and the benefit details in any plan you are considering for your 2021 coverage. The choice you make will be in effect through December 31, 2021 unless you have a qualifying event, such as loss of coverage, that allows you to change coverage mid-year.
The recent death of 43 year-old actor Chadwick Boseman is raising much needed awareness about the rise rates of colon cancer among young adults.
By Have you ever mistaken an insurance claim form for a puzzle in which none of the pieces are clear and the final “picture” makes no sense? The words seem have no connection to your medical treatment or benefits you’re entitled to receive. The definitions that supposedly explain why amounts weren’t paid must have been lifted from a lawyer’s notebook of phrases that sound good but have no apparent meaning.
When you hear the phrase, “surprise medical bills,” it usually means that medical treatment you thought was in-network was actually out-of-network. As a result, your bill is significantly higher than you anticipated – thus, the ugly surprise.
While people struggle with the life-threatening effects of COVID-19, the chaos of sky-high emergency room bills plays out in a way that is sadly familiar to anyone who has ever received a surprise medical bill: