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Hey You! Welp, it turns out I'm a really good insurance agent, but a pretty terrible website designer. I'd like to have a blog here. But I don't. Check back later. Maybe I'll have it figured out by then - or maybe I'll just go watch Forrest Gump for the 297th time instead. Oh, if you're still reading this, go back to the home page and schedule your review. You'll love it. It's awesome. There is absolutely no obligation, and I don't believe in sales pressure. Plus, you might actually enjoy my lame dad jokes.
Unconventional Ways to Save Money on Prescription Medications
We’ve talked before about common ways to reduce prescription costs such as using generics, preferred pharmacies, and 90-day supplies. But sometimes those traditional strategies aren’t enough. Certain medications can still be expensive, even when you’re doing everything “right.” When that happens, it may be worth exploring some less conventional options. Here are several strategies that some people use to lower their out-of-pocket costs. 1. Use Discount Cards Like GoodRx In
Wesley Bosco
Mar 22 min read
5 Practical Ways to Lower Your Prescription Drug Costs on Medicare
Prescription drugs can easily become one of the biggest healthcare expenses, especially in retirement. Even if your plan includes drug coverage, the copays, deductibles, and coverage rules can change from year to year. The good news is there are proven, reliable strategies that many Medicare beneficiaries use to keep their medication costs under control. Here are some of the most effective ones. 1. Ask About Generic Options Generic medications contain the same active ingredie
Wesley Bosco
Mar 22 min read
What To Do If You Have an Emergency And Cannot Reach Me.
Are you at the doctor’s office and can’t find your ID card? Being told something needs approval? Getting admitted to skilled nursing? Opening a piece of mail and thinking, “What is this?” If that’s happening right now, I know it can feel stressful. Healthcare doesn’t always go smoothly. Things pop up. Questions come out of nowhere. And when you need an answer quickly, waiting for a call back isn’t ideal. Please know this — I’m here for you. Helping you navigate situations lik
Wesley Bosco
Mar 22 min read
Will my Procedure Be Covered?
Before you schedule a procedure, it’s normal to want clarity. You don’t want surprises. You don’t want assumptions. You just want to know where you stand. The good news is that most medically necessary procedures are covered under both Original Medicare and Marketplace health insurance plans. Here 's how to check if a certain procedure is covered. 1) Review your Summary of Benefits. This document outlines the types of services your plan covers and how much each procedure wil
Wesley Bosco
Mar 22 min read
Am I Being Billed Correctly?
“This bill can’t be right.” “I wasn’t expecting it to cost this much.” "Why am I getting billed for that?" "Why isn't my insurance paying for this?" If you’ve ever opened a medical bill and felt confused, frustrated, or blindsided you are not alone. Healthcare is complicated, but if your medical bill seems "off" or you suspect there may be an error, you are probably right. Billing errors happen constantly. Medical billing is layered, automated, and often processed in stages
Wesley Bosco
Mar 23 min read
Estimate the Cost of A Procedure
“How much is this going to cost me?” You have a procedure coming up. Maybe it’s a surgery, imaging, or outpatient test. You want to plan ahead. You don’t want surprises. The challenge is that there is no one flat price. What you pay for a medical procedure depends on your deductible, maximum out of pocket, your costs or coinsurance, and whether or not your doctor accepts your plan. The good news? You can get a close estimate of your costs ahead of time. Here’s how. Check Your
Wesley Bosco
Mar 22 min read
Tips for Finding an In-network Doctor
Just about every hour I get asked "Does Dr. So-and-so accept my insurance?" It sounds simple, and it is. But, whether or not your medical provider is "in-network" (which means they accept your plan) could be the difference between having affordable coverage and burning money out of your pocket. What Is an In-Network Doctor? An in-network doctor is a provider who has a contract with your insurance company. They’ve agreed to bill your insurance carrier directly and apply discou
Wesley Bosco
Mar 22 min read
What to do if Your Insurance Denied a Claim
You had it scheduled. You lined up time off. You prepared yourself mentally. Maybe you even felt relief knowing there was finally a plan in place. Then the call comes: “Insurance denied the procedure.” That hurts. It feels like someone just pulled the rug out from under you. You start wondering if something serious is wrong… or if you’re going to be stuck fighting the system. Take a breath. A denial does not mean you are out of options. It usually means something in the proce
Wesley Bosco
Mar 23 min read
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