Insurance and Medical Bill Advocacy

Insurance and Medical Bill Advocacy

I received this article as part of a monthly newsletter this week, and I thought it could be useful to our clients and friends. The contact person is Robin at Robin G Smith Consulting. Call her at 888-363-3914 or go to her website at is www.robingsmith.com for more information, or call us!

As 2012 begins, many people will find themselves with new health benefits and higher deductibles, or, increasingly, with no health insurance at all, particularly in the 50—64 year old age category. Additionally, the latest focus of healthcare reform has become prevention, or wellness, vs “sickness” care. Companies are struggling to find solutions to health cost inflation, and new paradigms are emerging that feature “worksite” clinics, and direct, af?fordable pre-paid primary care (another story here). I offer one such program, Medical Membership Plans (MMP).

A MMP is a prepaid primary care plan for companies and individuals ($84/month individual, $99/family), where care is delivered by a national network of urgent care centers. There are no copays, no deductibles, no pre-existing conditions, and care generally includes all services that can be delivered at the urgent care center (x-rays, injections, labs, etc.) This plan is open to all, and is a membership plan, not health insurance. Many clinics are available, al?though, geographically, some areas are better covered than others— e.g. Worcester and Boston area, MA, great, Cape Cod, not so good. RI has many clinics available, and CT has good coverage in the urban areas. Call me (Robin) for more information, or a list of participating providers in your area. The MMP model may help drive down health costs.

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The Law Offices of Jeremy W. Howe, LTD. are Elder Law Attorneys in Newport, Rhode Island who specialize in Wills and Trusts, Estate Planning, Guardianship, Probate, and Veterans Aid and Attendance Benefits.

They also are Newport Rhode Island Divorce Lawyers, Attorneys, Mediators, and Arbitrators providing services for Family Law issues such as divorce, child custody and visitation, support, and Military Family Law.

Call them today at 401-841-5700 or visit them on the web at http://www.counselfirst.com

National Health Care Decisions Day

This Saturday, April 16, 2011, is

National Health Care Decisions Day (NHDD)

According to the Center for Medicare Advocacy's website, NHDD is a collaborative effort of national, state and community organizations committed to ensuring that all adults with decision-making capacity have the opportunity to communicate their preferences for end-of-life care. The Federal Patient Self-Determination Act requires that all Medicare-participating health care facilities provide information to patients regarding Advance Directives - documents that enable you to select someone to speak for you if you cannot speak for yourself and in which you can specify what types of medical treatments you would or would not want at the end of life.

Despite this Act and other efforts to increase public awareness of the right to have choices about health care, it is estimated that only a small minority of patients have completed Advance Directives. A 2003 study by the U.S. Agency for Healthcare Research and Quality found that:

• Less than 50% of severely or terminally ill patients studied had an advance directive in their medical record.


• Only 12% of patients with an advance directive had received input from their physician.


• Between 65 and 76% of physicians whose patients had an advance directive were not aware that it existed.

Take the time this weekend to consider your own desires for end-of-life care. Review your Advance Directives, if you have executed them. If not, consult your physician, discuss with family members and consult your attorney. If you or your loved ones do not have an attorney and you have questions about Advance Directives, call me, Hilary Carlson, at (401) 841-5700.

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The Law Offices of Jeremy W. Howe, LTD. are ElderLaw attorneys in Rhode Island who specialize in Wills and Trusts, Estate Planning, Guardianship, Probate, and Veterans Aid and Attendance Benefits.

They also are Newport Rhode Island Divorce Lawyers, Attorneys, Mediators, and Arbitrators providing services for Family Law issues such as Divorce, Child Custody and Visitation, Support, and Military Family Law. 

Call them today at 401-841-5700 or visit them on the web at http://www.CounselFirst.com.