healthcare administration and billing resources

Whether you have insurance from your employer, purchased on your own or provided by the government in the form of Medicare, Medicaid or Military, your insurance policy has many hidden benefits but also potential pitfalls.  A Personal Health Concierge can walk you through your policy and help you understand some things to maximize use of the policy

Many patient are told their healthcare service will cost a certain amount but then a surprise bill comes in the mail.  These bills are usually the result of a pre-approved amount by an insurance company but upon a provider billing an insurance company there is a shortfall that the is the patient responsibility.  A Personal Health Concierge can help contact the provider and discuss the coverage gap and many times negotiate down to nothing or a lower amount.

Over half of all insurance policies now come with high deductibles that have to be achieved before healthcare services are covered.  It's important to know what contributes towards a deductible and what doesn't so that you can accurately track and manage expenses.  Many times it is prudent to pay out of pocket cash prices outside of insurance that does not contribute towards a deductible, but is significantly less expensive.  A Personal Health Concierge can help you navigate through these decisions. Click Here to read more about how to manage high-deductibles.

Many times Healthcare Providers will employ the services of collection agencies that are brought in to work out payment plans with patients.  You have rights and you should know those rights before talking to any bullying debt collector for medical bills that may have been confusing in the first place.  A Personal Health Concierge can help you to manage your healthcare bills before they get to a collection agency, but if it's reached that point PHC can help deal with them so that you can focus on your health.

If only healthcare services could be purchased in the same way we purchase consumer goods.  The price of the goods we are looking to purchase are clearly labeled, we pay based on comparison of price and quality and make an informed decision.  Unfortunately in healthcare it's far more complicated. Because the end user of the healthcare service, the patient, isn't the one ultimately paying the biggest portion of the bill that insurance companies pay, the patient is left without really knowing what things cost.  A Personal Health Concierge can help patients understand pricing and shop around for the best services they need.

There are over 30 million Americans that do not have insurance or are under-insured.  There has been much debate as to whether healthcare is a "right", but in this country all Americans get healthcare services if needed.  The level of services may be different based on whether a patient has insurance or has under-insurance, but they typically will not be denied any life saving emergency service.  Health Systems, Physician Practices, Pharmaceutical Companies and all other entities in the business of healthcare have programs in place to ensure patients do indeed get care if absolutely needed.  It just takes extra work to determine how to get that care and  Personal Health Concierge can help those patients in need.