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Of Sound Mind and Body? Not in the Midst of a Medical Event.

For a last will and testament to be considered legally binding, the law requires one be of “sound mind and body.” Yet, when an individual is signing paperwork in a doctor’s office or emergency room, there is no such stipulation. Our laws fight to protect the distribution of our possessions […]

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The Ongoing Costs of Cancer

NBC news reported today on the thousands of dollars, on average, cancer survivors pay each year after their initial treatments www.nbcnews.com/health/what-cancer-costs-you .

Having insurance is just the tip of the iceberg.  Major medical events can be fiscally catastrophic.  It is critical you review every bill, and take every possible opportunity to negotiate […]

Medicare Patients: Admission vs. Observation Can Cost You Big $$$

A recent Reuters report, Medicare Patients: Beware of ‘observation status’ in hospitals, outlines the dangers of hospital status to Medicare patients.  Hospitals are under pressure to avoid re-admission of Medicare patients, causing an increase in patients being given “observation” status rather than “inpatient” status. […]

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Beware of Outbound Calls from Insurers

In the New York Times piece featuring our CEO Sarah O’Leary, A Health Insurer Calls, With QuestionsDavid Nash, dean of the school of population health at Thomas Jefferson University in Philadelphia makes a statement that is trust-filled yet hopelessly inaccurate.

“It’s against the law to deny coverage […]

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Insurers “Bait and Switch” In-network Providers

Several Affordable Care Act (ACA) clients across the country where insurers have listed healthcare providers in their preferred networks, only to have patients find that the information is false and their doctors/hospitals are out of network.  A local news station in Georgia launched an Investigation into Georgia Insurer that included a […]

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“High Deductible” is code for “Start Negotiating Now!”

Most Americans have health insurance deductibles.  Essentially, a deductible is a fixed dollar amount you must pay beyond your monthly premiums for a host of medically necessary services before your insurer begins to carry more of the fiscal responsibility for your care.

If you have a high deductible and your policy […]

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Two Tips to Save Money on Prescription Drugs

Here are two tips that can help save money on your prescription drugs:
• Call pharmacies in your area to price shop. The prices, even with your insurance card prescription benefit, can vary dramatically between pharmacies. It pays to shop around.
• Ask pharmacies what the price of the prescription is without […]

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“The Worst Part about Breast Cancer” published in Huffington Post Women

CEO Sarah O’Leary wrote a piece that was featured today in Huffington Post Women about the very real and often unforeseen financial damages of major medical events.
Here is the link to the article:
http://www.huffingtonpost.com/sarah-oleary/the-worst-part-about-breast-cancer_b_4084838.html

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Hire An ExHale ExPert to Address Your Group or Organization

ExHale Experts are available to address your group or business throughout the year.

Our experts can teach your group how to successfully navigate health insurance enrollment, get the maximum benefit from existing coverage, and how save time and money by improving the way you navigate through all aspects of your healthcare […]

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One Oath to Unite Us.

Do no harm.

“To abstain from doing harm” is an essential part of an oath that has been taken by physicians and millions of other caregivers dating back to the fifth century B.C. Some credit it to the father of western medicine, Hippocrates, who believed in an ethically binding promise between […]

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