insurance

How To Beat Insurance Companies, Legally

by RDavis | Health

Many of us consider health insurance companies to be the enemy. They have too much control over our lives and we feel frustrated having to pay high prices for premiums and then not being sure if our insurance will even cover us when we need it. Sadly, one person recently took his outrage on an insurance company CEO by killing him. That doesn’t make matters better. If that murderer wanted to change the system he could have done a lot of other things, but he chose to make headlines the wrong way.

Short of creating a single payer system where private insurance companies are eliminated, there are a few ways to rein them in and get what you need. One of those ways is to go through the appeals process when a claim for service is denied. Every state has different rules about how to appeal denied claims and I will talk about how to beat the big boys in Vermont. I have helped people with appeals over the years and have won appeals against Blue Cross Blue Shield of Vermont three times.

The Dismantling of American Health Insurance

by RDavis | Health

Instead of repealing the Affordable Care Act Republicans have found other ways to erode access to health care for more Americans. Policy changes, budget cuts and the elimination of programs have made it harder for moderate and low income Americans to access Medicaid, family planning services and a host of smaller programs.

These moves don’t make headlines and the people who are hurt by the changes may not even realize that they have lost something until they need a service. They also may not know that they lost coverage they may have had because they never tried to access the kind of care they had not needed.