PAF has compiled disaster resources for those whose medical care and homes are impacted by natural disasters, including recent
Hurricanes Florence, Hurricane Lane and wildfires. Search "Disaster Resources" in the National Financial Resource Directory by clicking here.
   

Category Archives: Interacting With Your Insurer

Out-of-Network Costs and How to Handle Them

As health insurance plans change and options vary, the same holds true for providers and health care facilities. Although there may be more treatment alternatives for patients available now, that doesn’t necessarily translate into more…
Continue reading

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

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…
Continue reading

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

It is very important that you keep your explanation of benefits in an organized system, usually by date of service, to reference as you progress through the insurance and payment portions following your care and…
Continue reading

What Does an EOB Statement Look Like?

EOB formatting will vary from insurance company; however all EOBs should contain the following information. Each section of this sample EOB corresponds to the following explanations. Enrollee Name and Policy Number: Identifies the policyholder.
Continue reading

Dropped Coverage – Issues with Premium Payments

If you miss a payment, your insurer has the right to deny your claims or cancel your policy. Consider setting up an automatic payment plan ensuring timely payment and a record of payment of your…
Continue reading

Preventive Healthcare

Preventive healthcare services are now covered under the Affordable Care Act. Offering free annual preventive healthcare visits for patients will hypothetically lower healthcare costs and improve health across the nation. The thought is that if…
Continue reading

Know Your Plan and How It Affects Your Wallet

By reading and understanding the healthcare jargon in your plan, you’ll be better informed about your financial limitations and opportunities.
Continue reading

Explaining Your Explanation of Benefits

Although most people have heard of an Explanation of Benefits, commonly referred to as an EOB, they may be unsure of what it means. After you’ve visited a doctor, clinic or hospital, you should receive…
Continue reading

What’s Reasonable? What’s not? Learn how to read those bills!

If you’ve been diagnosed with a chronic, debilitating or life-threatening illness, chances are you’ve found yourself staring at complicated bill for services you’ve received. If you don’t understand some of the items on the bill,…
Continue reading

Understanding Drug Tiers

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…
Continue reading