is an organization of healthcare advocates who understand the nuances of the modern health insurance landscape. It doesn’t matter if you are a provider, a patient, or a corporation, if you are on this website, chances are that you have experienced the confusion and headaches that come with every hospital bill and insurance claims form.
In fiscal year 2004, CMS reported an error rate of 9.3% representing a cost to taxpayers of $20 billion. Additional studies demonstrate that approximately 90% of all hospital bills contain overcharges. Just because you are not on Medicare doesn’t mean you haven’t been over charged.
To patients caught between the hospitals and the HMOs, getting fair treatment can seem like a full time job. To make matters worse, especially when you are uninsured, it is hard to tell if you are even being treated fairly when you are caught in the middle
Physicians lose revenue to claims improperly denied, often resorting to a collection agency, or simply writing them off as bad debt. Patients often don’t realize that insurers don’t treat physicians any better than they treat their members.
Surprisingly, corporate payers are also overpaying both in and out of network claims. Unable to understand or apply coding rules or appropriate discounts to large claims, payments are rarely questioned.
Health Plan Navigator has grown since it was founded in 1999. At that time, our only service was for insured individuals “navigating” the health plan maze. Today HPN includes three divisions. Click here to meet Lin Osborn, Founder and Director of Health Plan Navigator LLC, and read the Health Plan Navigator story.
