Health Insurance - Blog Posts

Dudes healthcare is so fake. My ADHD meds are $940 without insurance. But they gave me a website of "coupons" which straight up looks like a scam website, and I got it today for $60! Just a coupon from a random website and it was $900 cheaper. America, I am confusion!! America explain!!

ProPublica

Find Out Why Health Insurance Denied Your Claim

You likely have the right to access records that explain why your insurer denied your claim or prior authorization request. Use ProPublica’s

Hey y'all. Here's something for you.

Deny Defend Depose

I think there's something to be said that saying the words "Deny, Defend, Depose, you're next" to an insurance sales rep can get you arrested for 'threats of mass homicide' or whatever with a threat of 15 years in prison

But when I was a manager in a fast food restaurant I've had customers throw food at me, demand for my personal phone number with an added threat of "Well I'll just have to FIND it", customers charging past the front counter to physically intimidate me and my coworkers, screaming and swearing, demands to know what time I get out of work, demands to know when my manager would be at work as a threat, people sitting in their car waiting for me to finish closing because they were angry at me, causing me to stay in the office watching the camera waiting for them to drive away...

But none of those incidents are arrest-able offenses, not one, any time I called the cops on any customer I would just hear excuses like " "there isn't anything illegal about calling a restaurant", that nothing physical happened and therefore there's nothing they could do, to call back and let them know if anything else happens

Idk, just think it's A TEENY TINY BIT ODD

Cop in the news goes "words have consequences" as if people don't berate and threaten fast food and retail workers every day

"Couldn't they all come at once and get it over with?"

- Scrouge

Scares the Dickens out them. 😳

Hold their feet to the fire

ProPublica

Find Out Why Health Insurance Denied Your Claim

You likely have the right to access records that explain why your insurer denied your claim or prior authorization request. Use ProPublica’s

Hey y'all. Here's something for you.

Introduction

Hello! If you've found your way to this blog, congratulations! Or condolences, if the circumstances that brought you here suck. Either way, welcome!

I am someone who works in the health insurance field (and will be remaining anonymous due to my obligations to my employer), so I've got some insider tricks. Not only that, I have multiple chronic conditions which means I've dealt with insurance from both ends.

The purpose of this blog is to help people (Americans, mostly) understand health insurance, how it works, and how to make it work for you.

All this to say, I see a lot of bullshit in my day to day life. I watch people pay more than they should or not receive the care they need because of a lack of understanding and knowledge.

I want to change that, one person at a time.

Below the cut are important posts and resources for basic information. Always feel free to write an ask if you don't see your question answered or want more detail.

**Disclaimer: No information on this blog is legal or medical advice. This is meant to be a resource for common questions or problems people run into. All information on this blog is generalized, and may not apply to your health insurance policy. This is based solely on my experience and is not binding information. The information here does not reflect the opinions or policies reflected by my employer. Always consult a medical professional for health questions, your insurance policy for benefit/claims questions, or a lawyer for legal advice.**

Basic Terminology

Types of Insurance Plans

Calling Your Insurance

So you want to make a doctor appointment...

Preventative vs Routine Services

Investigate Your Providers

Medical Malpractice/Lawsuits

What the &$#* is a claim?

My claim got denied...now what?

How to Pay Your Bill

Collections Agencies and Credit Scores

Medical Binder

HIPAA Part One

Resources:

United States Preventative Services Task Force

Healthcare.gov Preventative Services

ProPublica

Find Out Why Health Insurance Denied Your Claim

You likely have the right to access records that explain why your insurer denied your claim or prior authorization request. Use ProPublica’s

Hey y'all. Here's something for you.

There has to be a better way to deal with my dad's medical bills (he had a stroke) than making phone calls while crying. Phone calls are my only option to explain he is unemployed and disability projected 10+ months to make a decision, but like, I also can't not cry about it?!? Also sucks half the people I need to call are on holiday, but I also work the same days/hours they are open