Dealing with a medical or family crisis? The last thing you want to deal with is a problem with your medical insurance. Making sense of the problem, dealing with customer service representatives at the insurance company and talking with the billing offices for the hospital, the doctors, the laboratories, the skilled nursing facility and the home health care providers is, in a word, overwhelming.
YBA can take over the process and work with the provider and insurance company to get the claims paid and bills corrected.
Negotiating Medical Bills
Negotiation of a medical bill is often warranted such when insurance refuses to pay the claim, when you receive a bill from an out-of-network doctor, or you simply cannot afford the bill. Since 2009, YBA successfully negotiated medical bills, saving clients thousands of dollars. Everyone’s situation is different requiring creative solutions to expensive problems. See Success Stories.
Dealing with Coordination of Benefits
Some families have double coverage when both the husband and wife work and each enroll in their employer-sponsored medical plan insuring themselves, their spouse and children. Most people just expect the secondary insurance to pick up the balance not paid by the primary insurance, but it’s not that simple. You need to figure out which plan is primary, how much you can expect the secondary insurer to pay and then submit the supporting documentation to get the benefits from your secondary insurance.
YBA can take over this process to make sure you maximize coverage under both plans, including preparing the claim and filing it with the secondary insurer. See Success Stories.
If your claim is denied see Appealing Claim Denials.