A medical crisis is a two-part nightmare. First, there is wound and apprehension, doctors and hospitals, tests and surgeries. Patients and their families pass through the days in a dreamlike position, trying to understand the complicated language of medicine. Then, finally, there comes the time of recovery, when the body and mind can start to heal.
Then the bills advance, and the second portion of the nightmare begins.
As the health insurance industry becomes more and more complex, and medical billing more and more complex, those who must avail themselves of medical treatment often score it impossible to navigate the systems. How do we, as consumers, know if we are being charged fairly? How can we be expected to understand the language and codes primitive by insurance companies and medical treatment centers? What can we do if a claim is denied, or, as in my case, we are being billed for unspecified services?
In February of 2005, my husband had what the doctors called a cardiac incident. He was in and out of the hospital four more times due to heart disease. By May, he needed a triple bypass.
Though we have gracious insurance benefits through my husband’s company we tranquil incurred a tall many bills. There were bills from doctors I never heard of, bills for services I didn’t understand, bills for items I couldn’t identify. Some of these bills were pages and pages of numbers and words that made no sense to me. How was I going to figure out what was what, and more importantly, what I should and shouldn’t be paying for?
I managed to sort through the piles of paper and resolve what payments I was responsible for and which were covered by insurance. Everything was in order. I conception the billing nightmare was coming to an slay. I was rotten.
The hospital at which my husband had his surgery sent a bill for $364.45. This bill came in January of 2006, eight months after he had been released. The amount was identified as Novel Balance. No other explanation was given.
I called the number on the bill. I asked what the charge was for. The woman who answered could only express me that the amount was the modern balance left on the bill. Obviously, she was not going to be of any assistance.
After several phone calls, I ended up on a three-way conference call with the insurance company and the hospital. The hospital representative could not identify the charge, only that it was to be paid. The insurance company representative pointed out that it would not pay for an unidentified charge. The hospital representative pointed out that that was why it was billed to the patient, because the insurance company didn’t pay it.
I stated that I was not going to pay for something without lustrous what that service or item was. No resolution was reached. The hospital handed the bill over to a collection agency.
By this time I was ready to have a cardiac incident of my beget.
Health Advocate to the rescue!
My husband came home from work one day and said he found out that fraction of the insurance coverage benefits was access to a health advocacy service. Not sparkling what that was, I asked what it would cost us.
It would cost us nothing. We only had to compose a phone call and elaborate the site.
Could anything exciting medical bills, health insurance, and hospitals be that simple? Based on my past experience, I had my doubts.
I handed over all the pertinent paperwork, including my notations of dates of phone calls and names of personnel written on the backs of billing envelopes, to my husband. I had had enough of this, and figured my husband was well enough to steal a microscopic added stress. I wasn’t positive my contain health would have stood another moment of this nightmare.
My husband made the call, and explained the station to a PHA, a Personal Health Advocate, named Carl.
Within two weeks Carl called my husband and said the say had been resolved. We did not need to pay the $364.45. Furthermore, we were entitled to a $40 refund.
I was timorous. I was grateful. I couldn’t acquire there was someone out there that could navigate the complex structure that is our health care system and determine this divulge to our favor. The nightmare was over.
But who are these health care advocates and how do they banish the nightmares?
From this quagmire that is now our health care system a original industry is emerging. It is the health advocacy industry and it is in retort to an ever-increasing number of consumer complaints and lawsuits.
Health Advocate is an industry leader. Established in 2001, the privately held company was founded by five extinct Aetna Healthcare executives.(1) The company contracts with organizations that provide group health plans to their employees. Their services are in advocacy to the members of the health plans, the employees. The Personal Health Advocates are trained professionals, backed up by staff drawn from the medical community, such as administrators and medical experts. They understand the inner workings of health care, billing, insurance, and other aspects of the system. When an employee contacts Health Advocate for assistance, he or she is assigned a Personal Health Advocate,(PHA) and that is his or her contact. That is the person the employee will negate with, each and every time.
It is the job of the PHA to assess the employee’s dwelling, contact all critical parties, and near a resolution. All the hours I spent on the phone, all the fruitless conversations, all the stress I experienced, came from my lack of knowledge and contacts within the system. A Health Advocate PHA has the knowledge and contacts to avoid unprejudiced such a status.
As health care and health care coverage become more prominent issues in the news and in politics, it becomes clear that the average consumer will need greater assistance during times of medical crisis. Sarah Lawrence College offers a masters degree program in health advocacy. The college defines the field this way:
“Health advocacy encompasses teach service to the individual or family as well as activities that promote health and access to health care in communities and the larger public. Advocates assist and promote the rights of the patient in the health care arena, wait on acquire capacity to improve community health and enhance health policy initiatives focused on available, ample and quality care.”(2)
Health advocates will be the people who stand between the consumer and the institutes. They will protect the patients’ rights in every plot, up to the legislative forums of Congress. They will be the interpreters of the medical language, the code breakers of billing, the investigators of false charges. They will improve the level of care in communities and lobby Congress to improve the health care systems.
Most of us find our health care through our employers. I would aid everyone to ask his or her employers if the health care concept offers an advocacy service. Such services offer not only assistance with billing, but with medical scheduling issues, succor with getting second opinions and dealing with claims, and conception complex medical diagnoses and terminology.
A medical crisis is a two-part nightmare. But now, at least, there is someone who can aid, someone who can challenge the demons of the health care systems. Health advocacy is a field filled with promise. Advocates will be able to sever the stress for patients and families, and will be distinguished in the restructuring of the health care system.
1)http://www.healthadvocate.com/companyprofile.asp
2) http://www.slc.edu/health-advocacy/Defining_the_Field.php
A medical crisis is a two-part nightmare. First, there is afflict and anxiety, doctors and hospitals, tests and surgeries. Patients and their families pass through the days in a dreamlike position, trying to understand the complicated language of medicine. Then, finally, there comes the time of recovery, when the body and mind can originate to heal.
Then the bills arrive, and the second fragment of the nightmare begins.
As the health insurance industry becomes more and more complex, and medical billing more and more complex, those who must avail themselves of medical treatment often secure it impossible to navigate the systems. How do we, as consumers, know if we are being charged fairly? How can we be expected to understand the language and codes old-fashioned by insurance companies and medical treatment centers? What can we do if a claim is denied, or, as in my case, we are being billed for unspecified services?
In February of 2005, my husband had what the doctors called a cardiac incident. He was in and out of the hospital four more times due to heart disease. By May, he needed a triple bypass.
Though we have good insurance benefits through my husband’s company we tranquil incurred a immense many bills. There were bills from doctors I never heard of, bills for services I didn’t understand, bills for items I couldn’t identify. Some of these bills were pages and pages of numbers and words that made no sense to me. How was I going to figure out what was what, and more importantly, what I should and shouldn’t be paying for?
I managed to sort through the piles of paper and settle what payments I was responsible for and which were covered by insurance. Everything was in order. I concept the billing nightmare was coming to an slay. I was contaminated.
The hospital at which my husband had his surgery sent a bill for $364.45. This bill came in January of 2006, eight months after he had been released. The amount was identified as Unusual Balance. No other explanation was given.
I called the number on the bill. I asked what the charge was for. The woman who answered could only instruct me that the amount was the unusual balance left on the bill. Obviously, she was not going to be of any assistance.
After several phone calls, I ended up on a three-way conference call with the insurance company and the hospital. The hospital representative could not identify the charge, only that it was to be paid. The insurance company representative pointed out that it would not pay for an unidentified charge. The hospital representative pointed out that that was why it was billed to the patient, because the insurance company didn’t pay it.
I stated that I was not going to pay for something without sparkling what that service or item was. No resolution was reached. The hospital handed the bill over to a collection agency.
By this time I was ready to have a cardiac incident of my maintain.
Health Advocate to the rescue!
My husband came home from work one day and said he found out that fraction of the insurance coverage benefits was access to a health advocacy service. Not radiant what that was, I asked what it would cost us.
It would cost us nothing. We only had to perform a phone call and clarify the residence.
Could anything interesting medical bills, health insurance, and hospitals be that simple? Based on my past experience, I had my doubts.
I handed over all the pertinent paperwork, including my notations of dates of phone calls and names of personnel written on the backs of billing envelopes, to my husband. I had had enough of this, and figured my husband was well enough to engage a diminutive added stress. I wasn’t definite my possess health would have stood another moment of this nightmare.
My husband made the call, and explained the state to a PHA, a Personal Health Advocate, named Carl.
Within two weeks Carl called my husband and said the relate had been resolved. We did not need to pay the $364.45. Furthermore, we were entitled to a $40 refund.
I was timorous. I was grateful. I couldn’t maintain there was someone out there that could navigate the complex structure that is our health care system and choose this affirm to our favor. The nightmare was over.
But who are these health care advocates and how do they banish the nightmares?
From this quagmire that is now our health care system a original industry is emerging. It is the health advocacy industry and it is in acknowledge to an ever-increasing number of consumer complaints and lawsuits.
Health Advocate is an industry leader. Established in 2001, the privately held company was founded by five veteran Aetna Healthcare executives.(1) The company contracts with organizations that provide group health plans to their employees. Their services are in advocacy to the members of the health plans, the employees. The Personal Health Advocates are trained professionals, backed up by staff drawn from the medical community, such as administrators and medical experts. They understand the inner workings of health care, billing, insurance, and other aspects of the system. When an employee contacts Health Advocate for assistance, he or she is assigned a Personal Health Advocate,(PHA) and that is his or her contact. That is the person the employee will suppose with, each and every time.
It is the job of the PHA to assess the employee’s station, contact all principal parties, and come a resolution. All the hours I spent on the phone, all the fruitless conversations, all the stress I experienced, came from my lack of knowledge and contacts within the system. A Health Advocate PHA has the knowledge and contacts to avoid unbiased such a place.
As health care and health care coverage become more prominent issues in the news and in politics, it becomes certain that the average consumer will need greater assistance during times of medical crisis. Sarah Lawrence College offers a masters degree program in health advocacy. The college defines the field this way:
“Health advocacy encompasses thunder service to the individual or family as well as activities that promote health and access to health care in communities and the larger public. Advocates relieve and promote the rights of the patient in the health care arena, aid make capacity to improve community health and enhance health policy initiatives focused on available, grand and quality care.”(2)
Health advocates will be the people who stand between the consumer and the institutes. They will protect the patients’ rights in every set, up to the legislative forums of Congress. They will be the interpreters of the medical language, the code breakers of billing, the investigators of fraudulent charges. They will improve the level of care in communities and lobby Congress to improve the health care systems.
Most of us derive our health care through our employers. I would back everyone to ask his or her employers if the health care idea offers an advocacy service. Such services offer not only assistance with billing, but with medical scheduling issues, attend with getting second opinions and dealing with claims, and idea complex medical diagnoses and terminology.
A medical crisis is a two-part nightmare. But now, at least, there is someone who can abet, someone who can challenge the demons of the health care systems. Health advocacy is a field filled with promise. Advocates will be able to slice the stress for patients and families, and will be distinguished in the restructuring of the health care system.
1)http://www.healthadvocate.com/companyprofile.asp
2) http://www.slc.edu/health-advocacy/Defining_the_Field.php
