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Category Archives: Interacting With Your Insurer

Understanding Drug Tiers

In this article you will learn that one of the biggest healthcare barriers patients hit can be navigating the details of their prescription drug coverage options. If you know that you’ll need prescription drug coverage, it is important to research and choose a plan that covers your medication. Under a healthcare plan, the list of covered prescription drugs is called a formulary. The formulary is usually divided into tiers or levels of coverage based on the type or usage of the medication. Each tier will have a defined out-of-pocket cost that the patient must pay before receiving the drug. During…

Insurance Challenges with Medication

This article discusses common insurance challenges that may happen when you're trying to access your medications.

What Do I Do if I Can’t Get Answers From my Insurance Company?

This article describes that sometimes it's not much fun trying to get answers out of your insurance company. Typically, each time you call, you speak with a different customer service representative and you may get different answers to a question you have. This inconsistency is really frustrating and upsetting, but here are some tips that might help you communicate with your insurer. But remember when speaking with them:

If it is Not a Bill, Why is the EOB Important to Me?

This article discusses the importance of keeping your Explanation of Benefits, known as EOB, in an organized system, usually by date of service, to reference as you progress through the insurance and payment portions following your care and medical treatment.

What Your EOB Contains & Why You Should Keep Them

This article explains what's on your EOB and the reason it's important to keep them for potential future disputes you may have with your insurance company.

Tips to Maximize Your EOB

This article provides tips to maximize your EOB to help you keep up with your medical bills.

EOB vs Medical Bill, What’s the Difference?

This article describes the differences between the EOB from your insurance company and the medical bill from a medical facility.

EOB Vocabulary

This article provides important EOB vocabulary to help you better understand what your EOB means.

The Ins and Outs of Comprehensive Insurance

This article discusses that comprehensive insurance guarantees you a minimum amount of healthcare coverage for each area and type of medical service that you may encounter, including for example, doctor visits, prescription drugs, hospital stays, chronic medical care and/or surgery. The defined categories of well-rounded coverage are outlined in what’s called the Essential Health Benefits.

FAQ: What if I Have More Than One Health Plan?

This article answers that you may have coverage from more than one health insurance plan. For example, spouses may have coverage for themselves and each other under their workplace plans. Older employees who are still working may have both Medicare and employer-sponsored coverage. Retired employees may have both retiree insurance through their final employer and Medicare coverage.