Rating: 0 stars
0 votes

Information That Offers Helpful Guidance For You

At Salvione Associates LLC, we understand that navigating the world of healthcare can be challenging. We are also here to offer educational resources from experts about your health concerns. Healthcare isn't just about insurance; it's about you feeling good and remaining effective throughout your life, for others and yourself.

Explore the resources below to begin or continue your healthcare journey.

Frequently asked questions

Below are some of the most common questions and concerns we address at Salvione Associates. Our goal is to provide you with the information you need to make informed choices about your health insurance and overall well-being. If you have any further questions, please don't hesitate to contact us.

Click on the links below to learn more.

Doctor Plan Acceptance

It's important to know if your preferred doctor accepts your insurance plan. We can assist you in verifying whether your doctor is in-network and understanding the implications of seeing an out-of-network provider.

Doctors can drop your current plan if the insurance company wasn't able to negotiate financial terms that meet their financial criteria. Click the links below to make sure your doctors still accept your plan. 

Medication Check

Ensuring that your prescription medications are covered under your plan is crucial. Reviewing your current plan formulary will inform you what tier level your medications are currently. We can help you analyze your drug coverage and explore options if your medications are not covered or are too expensive. Remember, Insurance companies have the right to change the tier level of your medications. Most brand-name drugs are currently subject to a deductible. Let's make sure you won't have any surprises. 

Don't forget to use GoodRx, WellRx, and Single Care.

How can I learn more about in-home care planning as I age?

At Salvione Associates, we are more than just health insurance; we are a life planning company that can help plan for future unforeseen events.

Part B & Part D Late Enrollment Period Information

What if I can't afford to pay for Health Insurance?

If someone cannot afford healthcare, several federal, state, and community-based options 

are available depending on your income, age, and situation.

Here’s a breakdown of options to investigate.

---------------------------------------------------------------------------------------------------------------------------------

🏥 1. Medicaid

  • What it is: A joint federal and state program that provides free or low-cost health coverage to low-income individuals and families.
  • Who qualifies: Eligibility is based on income, household size, and sometimes disability or pregnancy status.
  • How to apply: Through your state’s Medicaid agency or at HealthCare.gov

🧒 2. Children’s Health Insurance Program (CHIP)

  • What it is: Low-cost or free health coverage for children in families that earn too much for Medicaid but cannot afford private insurance.

  • Who qualifies: Children (and sometimes pregnant women), based on family income.

  • How to apply: Through your state’s CHIP program or HealthCare.gov

💸 3. Marketplace Subsidies (Affordable Care Act)

  • What it is: Premium tax credits and cost-sharing reductions that lower monthly premiums and out-of-pocket costs for qualified individuals.

  • Who qualifies: Based on household income (usually between 100%–400% of the federal poverty level).

  • How to apply: Through the federal or state Health Insurance Marketplace at HealthCare.gov

🏛️ 4. Medicare Savings Programs

  • What it is: Programs that help people with limited income and resources pay for Medicare premiums, deductibles, and co-pays.

  • Who qualifies: Low-income seniors and people with disabilities enrolled in Medicare.

  • How to apply: Through your state’s Medicaid office.

🏘️ 5. Community Health Centers

  • What they offer: Comprehensive primary care, dental, and mental health services on a sliding fee scale based on income.

  • Who qualifies: Anyone — uninsured, underinsured, or low-income individuals.

  • How to find one: Visit Find a Health Center

🩺 6. Local Charity Care and Hospital Financial Assistance

  • What it is: Many hospitals and nonprofit health systems offer charity care programs or financial assistance that reduce or eliminate medical bills for low-income patients.

  • How to apply: Contact your hospital’s billing or financial assistance office.

💊 7. Prescription Assistance Programs

💼 8. Employer and Community-Based Resources

  • Options may include:

    • Health coverage through a husband's or wife's plan

    • Local health departments offering free or low-cost clinics

    • Faith-based organizations providing free medical outreach programs

Food, Medication & Drug Manufacturer Facts

Below are helpful links that offer educational videos concerning Medications, Diseases, and Drug Manufacturers.

Remember to click "Skip" when the video starts to skip the commercials. 

Healthy Resources for our Clients

Discover Better Health

Delivered to Your Door.

 

Investing in your health is one of the greatest gifts you can give yourself at any age. Why?

  • As we grow older, our bodies need a little extra care to stay strong, energized, and resilient.
  • Quality supplements can help fill nutritional gaps so you can continue enjoying the activities and people you love.
  • They can...
    • Help reduce or in some cases eliminate the need for certain medications
    • They support joint health
    • Boost immunity
    • Promote overall vitality

So take charge of your well-being today—because feeling your best never goes out of style!

We make it easy to find the right supplements—all at great prices and with fast, reliable shipping.

Click the link below and use this code to receive 20% off of your first order.

KEITH20

GREEN-MARKET CAFE

This dining experience has everything a person could want!

Delicious Food That Delights

Exceptional Customer Care

A Serene Dining Experience

Discover the Difference – Place Your Order Today!

 

https://linktr.ee/greenmarket_cafe_trinity

Steps to Report Unfair or Fraudulent Medical Billing Practices

To report unfair or fraudulent medical billing, first gather all documents, then contact your insurer, dispute with the provider, and finally report to state/federal agencies like the HHS OIG (Medicare/Medicaid) or FBI IC3 for broader issues, plus your State Insurance Dept. or Medical Board, ensuring you document everything for potential legal action. 

1. Gather Information & Documentation

  • Medical Bills/EOBs: Keep all Explanation of Benefits (EOBs), bills, good faith estimates, and insurance cards.
  • Details: Note dates, service descriptions, costs, and any conversations with providers or insurers (who, when, what was said). 

2. Contact Your Insurance Company

  • Call the Grievance and Appeals department. Let them know your next call is CMS if the problem isn't resolved. (They have time frames to abide by so let them know you are aware of their process. Click Here for more information.
  • Call their fraud hotline immediately; they have a vested interest in stopping fraud.
  • Report the issue and get their guidance for your next steps. 

3. Dispute with the Provider (If Needed) 

  • Contact the hospital's billing department or leadership (CEO/CFO) in writing if the insurer doesn't resolve it. 

4. Report to Authorities

  • HHS Office of Inspector General (OIG): For Medicare, Medicaid, and HHS program fraud (1-800-HHS-TIPS or online).
  • FBI: For major health care fraud (Report online at ic3.gov or call 1-800-CALL-FBI).
  • State Agencies: Your State Insurance Commissioner's Office or State Medical Board.
  • Federal Trade Commission (FTC): For general consumer financial issues (reportfraud.ftc.gov).

5. Consider Legal Action

  • If you've suffered financial harm, consult an attorney, as you might be able to recover damages.

Examples of Fraud to Report

  • Billing for services not received (phantom billing).
  • Charging for longer sessions than occurred.
  • Double-billing or billing for more expensive procedures (upcoding). 
  • Any excessive charges beyond your plan's benefits. (Procedure states $100.00, Doctor's Office or Facility "balance bills" you for another $50.00)

Medicare's Hotline for Reporting Possible Fraud