Empowered Patient Podcast Getting Support for Medical Billing and Health Insurance Challenges from Independent Patient Advocates with Nicole Broadhurst Tennessee Health Advocates
Nicole Broadhurst, CEO and Founder of Tennessee Health Advocates, is an expert on the world of independent Health Advocates, including clinical, cancer, rare disease advocacy, and medical billing and health insurance. She emphasizes the risks patients face when they do not understand how their health insurance works and the role an independent advisor can play in sorting out details and solving problems.
Nicole explains, "I would say the top risk for patient financial safety is that most patients don't understand their health insurance and the associated cost-sharing responsibilities. The words seem very simple, and we hear a lot about the deductible, coinsurance, copay, maximum out-of-pocket, and the total cost of coverage, which includes your maximum financial risk. Most people don't understand exactly how that all works."
"The second one, I would say, is not understanding how to utilize our healthcare options. A lot of people don't understand when it's appropriate to use their health insurance or if it would be beneficial for them to waive their insurance benefit and pay cash instead. Also, they don't know, and they don't understand what facilities to choose and what providers or their real options are."
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