Consumer Information Navigator Index


  2. Section 1 is designed to supplement the step by step Guide you are using to resolve your patient balance.

  3. Critical Healthcare Terms You Need to Know
  4. Knowing important healthcare terms educates and prepares the consumers to discuss medical bills with healthcare providers.

  5. Know Your Explanation of Benefits
  6. Your Explanation of Benefits you receive from your insurance company is the starting point for any billing review. It is very important you understand how to read the EOB. It is equally important that you retain all EOBs.

  7. How to Read and Understand Billing Statements
  8. Your monthly billing statement from your healthcare provider lets you know the current status of your account. It also contains posting information from your insurance company.

  9. When Calling a Medical Provider: Documentation and Provider Call List
  10. This listing of titles will help the consumer locate the person to discuss billing issues.

  11. How to Negotiate a Medical Bill
  12. Negotiating your medical bill can be daunting. This sections will help you become confident when dealing with your healthcare provider.

  13. How to Navigate Medical Bills at a Collection Agency
  14. Unfortunately. your account may be sent to a collection agency. This section will help you deal with the collection agency.

  15. Know Your Healthcare Insurance Benefits and In Network Service Providers
  16. In addition to your EOB, these two documents are critical when dealing with your medical bill. Knowing your benefits and provider network ensures your insurance company has made the correct payment.

  17. What I Need to Know about the No Surprise Act
  18. If you received services from an out of network healthcare provider. you are protected under the No Surprise Act. Remember, the Act covers services after January 1, 2022.

  19. No Surprise Act: Notices you may get & whether you should sign them
  20. Consumer Beware. Release forms may cost you more money. Make sure you understand what you are signing.

  21. Healthcare Discounts Available to the Consumer
  22. Consumers are bombarded with offers of discounts for everything they purchase. Healthcare is no different with one exception; most consumers are not aware they are available. This section will explain how to secure a discount.

  24. This healthcare financial source is sometime forgotten. Our goal is to help you navigate this part of the financial healthcare maze.

  25. What to Know About Hospital Financial Assistance (Charity) and State Medicaid Policies
  26. The following is the HOW TO guide as to applying for Charity, Financial Assistance or Medicaid.

  27. Safety Net Hospitals; A Resource for the Healthcare Consumers
  28. Healthcare Consumers need to understand how Safety Net Hospitals are a financial source. These organizations are funded by county, state and government organizations and are available to all.

  29. SECTION 3: No Surprise Act: A User Guide to Navigate the Act
  30. The Guide will help the Consumer Navigate the No Surprise Act. The No Surprise Act protects the consumer from balance bills they receive from healthcare providers.

  31. Introduction to the No Surprise Act and the Consumer Guide; Part 1
  32. The No Surprises Act, effective January 1st, 2022, aims to protect consumers from at least one contributor to the problem: unexpected bills for out-of-network care in emergency and non-emergency settings.

  33. No Surprise Act: Impact on Healthcare Consumer; Part 2
  34. Once finalized, the rule will protect consumers from surprise medical bills for emergency services, air ambulance services provided by out-of-network providers and non-emergency services provided by out-of-network providers at in-network facilities.

  35. No Surprise Act: Impact on Healthcare Provider; Part 3
  36. Once finalized, the rule will protect consumers from surprise medical bills for emergency services, air ambulance services provided by out-of-network providers and non-emergency services provided by out-of-network providers at in-network facilities.

  37. No Surprise Act: Impact on Healthcare Payors; Part 4
  38. Your Healthcare Insurance Company plays a major role in the No Surprise Act Process. This section will explain the impact.

  39. No Surprise Act: Impact on Healthcare Consumers With and No Insurance; Part 5
  40. The consumers with or without health insurance needs to know what is covered under the act. This section will help .

  41. No Surprise Act: Impact on Healthcare Consumer Notice and Consent; Part 6
  42. Consumers need to be very aware of the all consents and notices that the act includes. CONSUMER BEWARE OF CONSENTS BEFORE YOU SIGN ANYTHING!!

  43. No Surprise Act: Independent Dispute Resolution Process; Part 7
  44. The consumer needs to be aware of the process. CONSUMERS ARE NOT INVOLVED; IT IS BETWEEN THE PAYOR AND PROVIDER.

  45. No Surprise Act: What is an Advanced EOB? ; Part 8
  46. Consumers need to understand this segment of the law. Very important consumer information from your insurance company.

  47. No Surprise Act: How is the No Surprises Act going to be enforced? ; Part 9
  48. Enforcement will be important. Healthcare consumers need to understand the process. This section will help guide the consumer.

  49. No Surprise Act: How is the No Surprises Act going to affect Physicians. ; Part 10
  50. Your doctor will be affected by the act. This will help you understand how that works.

  51. No Surprises Act: The Act Includes Telehealth; Part 11
  52. Today, Telemedicine has become a part of our healthcare routine. This section will help you understand the impact on Telemedicine.

  53. SECTION 4: No Surprise Act: Additional Consumer Information
  54. In addition to the User Guide, this section supplements the Guide with additional and updated information. The Consumer needs to be aware of these updates.

  55. No Surprise Act: Surprise billing arbitration portal opens to payers, providers after delay
  56. The No Surprise Act includes an Arbitration process. This section explains the process.

  57. No Surprise Act: Complaints about medical billing
  58. The No Surprise Act has provisions for consumers to file complaints. This section explains the provisions and how to file a complaint.

  59. No Surprise Act: Medical bill disagreements if you’re uninsured
  60. If you believe your healthcare provider is billing you incorrectly, this section will guide you through the resolution process.

  61. Section 5: Understanding the Medical Billing Process
  62. Medical Billing can be confusing. This section will help the consumer navigate the process.

  63. How Medical Billing Works
  64. Medical billing can be very confusing for the consumer to understand and navigate. This section will explain the billing process and what the healthcare consumer can expect.

  65. Understanding the Pre-Certification Process for Elective Services
  66. Some specific services covered under the consumers’ health insurance plan may require the healthcare provider to obtain an authorization to perform the service. Consumers need to be aware of these requirements to be assured of payment form their insurance company.

  67. Basic Terms You Need to Know When Navigating the Healthcare Billing Process
  68. This section will help the healthcare consumer understand, talk about and navigate through healthcare.

  69. Appealling a Medical Bill that was Denied by Your Insurance
  70. Insurance companies routinely deny services that require the healthcare provider and consumer to appeal. This section will guide the consumer through the appeal process.

  71. Medical Bills that have been sent to a Collection Agency
  72. The consumer should know their options and strategies when a bill sent to a collection agency.

  73. Observation Care and Services; A Consumer’s Guide of What You Need to Know
  74. Understanding and Managing Observation Status when admitted to a hospital can be very confusing. The HCNC Observation Status Guide will help the Consumer Navigate through the process.

  75. State By State Medical Records Copying Fees
  76. Find out what healthcare providers will charge you for your medical record

  77. What is Telehealth, Telecare and Telemedicine?
  78. Understanding and using telemedicine will be very important for healthcare consumers. This section will define, educate and guide the healthcare consumer through telemedicine.

  79. SECTION 6: Medicare
  80. Medicare enrollees warned about deceptive marketing schemes

  82. How and Why to Switch from a Medicare Traditional to a Medicare Advantage Plan
  83. Medicare Advantage provides all the benefits offered by Medicare Part A and Part B, and most Medicare Advantage plans also include prescription drug (Part D) coverage. If you’re relatively healthy or you don’t frequently use healthcare, switching to Medicare Advantage could end up saving you money.

  84. How and Why Do You Switch from Medicare Advantage to Original Medicare?
  85. If you’re thinking about changing Medicare plans, you’ll always have the option to switch from Medicare Advantage to Original Medicare and vice versa. However, you may not be able to change your coverage right away. Let’s talk about how and when you can do so.

  86. What are Essential Health Benefits
  87. All healthcare insurance plans are required to provide essential healthcare benefits. The consumer should know what the benefits are available.

  88. Optimizing Flex Spending (FSA) and Health Saving Accounts (HSA)
  89. Saving strategies can help the consumer manage and optimize out of pocket healthcare spending. These accounts have tax advantages for the healthcare consumer.

  90. How to Plan for and What to Expect During your Hospital Stay
  91. Most healthcare consumer are paralyzed when themselves or family members are admitted to a hospital. This section will explains how the consumer can navigate the healthcare process.

  92. Selecting the Right Healthcare Insurance Plan
  93. Picking the right healthcare insurance plan is very important. Customizing the right plan for the consumer will insure proper coverage and minimum expense

  94. Selecting Your Healthcare Providers
  95. All doctors are not created equal. This guide will help consumers select the right doctor for their family and themselves.

  96. Top 15 Most Popular Health Websites
  97. To help the Healthcare Consumer with researching Healthcre Topics

  98. Tips to Maximize Your High Deductible Health Plan
  99. Maximizing the benefits of your health insurance plan can save you money. Take advantage of these tips.

  100. Enacted Healthcare State Legislation: Pricing and Disclose of Healthcare Costs
  101. In the past decade, health care price transparency or disclosure  of costs has emerged as a hot topic in state legislatures, as a strategy for containing health costs.

  103. Selecting the right Healthcare Provider in an Emergency situation can save you time and money.

  104. A Guide to Create, Manage and Use Your Personal Health Record
  105. Creating, Managing and Using Your Personal Health Record is a very powerful tool to manage your healthcare. Most Healthcare Consumers do not have a clue. This guide will help you get started.

  106. How to Report a Doctor or Hospital for Malpractice
  107. Reporting Malpractice is important. Find out how to create and file a report.

  108. Common Medical Errors that May Lead to a Lawsuit
  109. Find out if you have been exposed to a Medical Malpractice. This guide will help answer that questions.

  110. 20 Tips To Help Prevent Medical Errors: Patient Fact Sheet
  111. Healthcare Consumers are empowered in Preventing Medical Errors. These common sense tips will guide the consumer to that end.

  112. GoodRx – How It Works and When You Should Use It
  113. Healthcare consumers have options to reduce thier Pharmacy Expense. Check out Good RX

  114. Can Mark Cuban’s online pharmacy save us?
  115. Consumers have a new option for consumers to reduce thier Pharmacy expense. Check this out.

  117. This is a step-by-step guide TO MANAGE YOUR PATIENT BALANCE OR MEDICAL BAD DEBT. The guide is supplemented with detail information in SECTION 1.

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