medical bills
Meet Emily Bernstein, BCPA, CHW
When healthcare gets complicated, most people do not need more paperwork. They need someone who can explain what is happening, what their options are, and what to do next. That is the work Emily Bernstein does every day. Emily is a Board Certified Patient Advocate and Certified Community Health Worker who helps Umbra clients handle…
Read MoreDental Advocate: Shelbey Arevalo, BCPA
Shelbey Arevalo is a Board Certified Patient Advocate (BCPA) with more than 16 years of experience in the dental and healthcare industry. As an Umbra advocate, she supports clients and families who feel overwhelmed, confused, or unsure about their dental care, insurance, or treatment options. Shelbey is one of the few advocates in the country…
Read MoreMeet Patient Advocate, Caro Ruiz
Caro Ruiz is a patient advocate with Umbra Health Advocacy who specializes in health insurance. Over more than 20 years inside the health insurance industry, she held leadership roles at some of the largest health plans in Massachusetts, including Blue Cross Blue Shield of Massachusetts, Tufts Health Plan, and Point32Health. Today, she uses that insider…
Read MoreFrom $7,000 to $770: How One Patient Advocate Fought Back Against a Surprise Medical Bill
What seemed like a simple medical procedure quickly turned into a financial nightmare for Tim Winard. A routine colonoscopy—one he thought his insurance would cover—had left him on the hook for a medical bill of more than $7,000. He thought he had done everything by the book: called his insurance beforehand, followed their instructions, and…
Read MoreMedical Billing Errors Are Common—Don’t Pay That Medical Bill Just Yet!
You check your mail and there it is—a medical bill you weren’t expecting or that seems way too high. Are you a victim of medical billing errors? Maybe you thought your insurance covered everything, or perhaps you knew you had to pay something, but this amount seems way too high. Before you panic and start…
Read MoreHealth Insurance Claim Denial? Get Help to Fight and Win
If you’ve been watching the news, you probably know that the CEO of UnitedHealthcare—the giant health insurance company that covers more than 50 million people—was murdered in cold blood on the streets of Manhattan. You may have followed the manhunt and seen the police arrest the suspected killer. In another time or maybe with another…
Read MoreAfraid Of Surprise Medical Bills? Here’s How To Avoid Them
Surprise medical bills are all too common, even with new rules designed to prevent them. Get tips on how to get your promise of coverage in writing to avoid unpleasant surprises.
Read MoreHow To Manage Covid-19 Medical Bills
If you get Covid-19, medical bills may be the last thing on your mind. But if you need treatment, be prepared for your Covid-19 costs.
Read MoreThis Covid-19 Side Effect Could Destroy Your Financial Security
When you take steps to avoid Covid-19 infection, you’re not just protecting your health, you’re also guarding your financial security, too. Avoid the Covid-19 side effect you may overlook: the costs!
Read MoreWhat You Need To Know About Covid-19 Testing
Covid-19 testing can be confusing. Read about the different types of Covid-19 tests and when to use them.
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