Areas of Specialization

Family Advocate

1. Family Dynamics: My father just put my mother in memory care due to her dementia but wants to continue to live in his forever home by himself. How can I be supportive and balance the needs of both my parents?
2. Time of Crisis Zoom Meetings (Emergency or Planning) with multiple family members.
3. Patient Advocacy: My healthcare provider quit practice without any warning. Now what?
4. Life Changing Events: I'm stuck in a terrible insurance until open enrollment. Are there any life changing events that allow an insured to switch insurance coverage outside of open enrollment?
5. Medical Deserts and Ghost Towns: There are no insurance participating hospitals in my state and the insurance is only paying 70% of the charges. What can I do? 
6. Medicare "Experimental" Exemptions: Is it true that if Medicare does not cover a medical visit, treatment, medication etc. that the secondary insurance does not have to pay anything either? 
7. Repricing (Discount) Insurance vs Traditional Insurance: My husband got very sick and was hospitalized believing that he had traditional health insurance.  Now we are receiving enormous bills from multiple healthcare providers stating that our insurance was a repricing (discount plan), not health insurance and have made the entire cost our patient share. Do we owe the balances being billed to us? 
8. Eldercare: I think my mother is getting less nursing home care since she was moved from her Long Term Care insurance to Medicaid. How can I tell?
9. Crisis Technology Help: Zelle/Venmo/Paypal, Zoom/Facetime/GoogleMeet, QR codes/Phone & Computer Apps, MyColorado etc.

Healthcare

1. Pre-Existing Conditions: I went more than 6 months without health insurance, now insurance will only cover me with preexisting riders. What can I do?
2. Pregnancy Coverage Issues: If you are pregnant, get ready to write a big check before delivery if you have this type of insurance plan and yes, you can have two deductibles in one pregnancy.
3. Hidden Facility Fees: Why does walking 80 feet from my healthcare provider's office to my physical therapy (PT) cost me and extra $500 to $1500 every time I get PT?
4. Medicare Allowable Charges: Why does Medicare only pay up to 80% of allowable charges? Am I responsible for the entire bill if Medicare disallows the charges?
5. Concierge Healthcare Providers: My healthcare provider just notified me that he/she/they are now Concierge healthcare providers and no longer take any health insurance. Should I agree to pay $300 to $500 per family member, in additional to my traditional insurance premiums every month, to continue to see my healthcare provider?
6. Insurance vs Self-Pay Options: Is it cheaper to use my health insurance or be self-pay?
7. Medicaid Coverage Issues: Why doesn't Medicaid cover outside of the state I reside in?

Legacy and Longevity Planning

1. Inheriting a Life Insurance Benefit from a Spouse or Partner: My husband recently died and left me a $100,000 life insurance benefit. Now the hospital is sending me a collection letter for over $81,000 for his hospitalization. Should I pay them?
2. State Specific Long Term Care Coverage Issues: Why do some health insurance plans and Long Term Care (LTC) plans only work in the state that I live in?
3. Medicare Appeals: My doctor wants to prescribe an $8000 a month medicine and Medicare will not cover any of it. What options, if any do I have?
4. Quality of Life vs Quantity of Life: My mother found our she has inoperable cancer and is weighing her options between Quality of Life vs Quantity of Life. How can I make sure that she has enough information to make an informed decision? What if I disagree with her decision?
5. Medicare and Long Term Care: Why won't Medicare pay for Long Term Care? How do I know whether my Medicare or MedAdvantage plan covers hospice or not?
6. Why Equal Dual Power of Attorney is a Really, Really Bad Idea: Years ago, my dad gave my brother and I equal power of attorney. Now my dad is in memory care and my brother wants to sell everything and divide the proceeds between the two of us versus using the money to cover dad's Long Term Care bills. What now?
7. Living Alone in My Forever Home: Who decides if I can continue to live at home by myself or not? Will my health insurance help me cover the costs of home renovations due to sickness and/or injury?