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Insurance Appeal Depends on Meaning of 'Medically Necessary'

At NerdWallet, we adhere to strict standards of editorial integrity to help you make decisions with confidence. Many or all of the products featured here are from our partners. Here’s how we make money. By Martine G. Brousse Learn more about Martine on NerdWallet’s Ask an Advisor In the realm of insurance denials, few are more frustrating than those issued for “lack of medical necessity.” If your doctor prescribed a treatment or procedure, it must be medically necessary, right? It depends. “Medically necessary” has different meanings. Understanding which one applies to your case determines your appeal options. 1. Standard Medical...

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Avoid Costly Medical Billing Mistakes with Communication

At NerdWallet, we adhere to strict standards of editorial integrity to help you make decisions with confidence. Many or all of the products featured here are from our partners. Here’s how we make money. By Martine G. Brousse Learn more about Martine on NerdWallet’s Ask an Advisor It has become all too common for patients to receive overinflated, incomprehensible, erroneous, unexplained medical bills, sometimes from mystery providers. After all, if all bills were correct and justified, I — and other billing advocates — would be checking job posts. Patients’ usual reactions are discarding the statement as a mistake, placing it...

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5 Most Dangerous Fall Sports for Your Kids

At NerdWallet, we adhere to strict standards of editorial integrity to help you make decisions with confidence. Many or all of the products featured here are from our partners. Here’s how we make money. In high school, fall means Friday night football games, pep rallies and homecoming traditions. While these activities bring students excitement and pride, they also pose serious risks: Between 1982 and 2012, fall sports accounted for more catastrophic events—that is, incidences where athletes suffered fatal, permanent, or otherwise severe injuries—than any other season, according to a report from the National Center for Catastrophic Sport Injury Research...

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Throwing a Safe Party at Your Home

Hosting a party at your home can be a fun way to connect with your friends and family. However, it’s important to ensure that your guests will be safe and secure while you’re hosting them. Here are some considerations for protecting guests and your home during a party: Slips and falls are the most common dangers in residential properties. To protect your guests, clear your driveway and sidewalks of snow and ice, and make sure that rugs or cords don’t create tripping hazards. If you serve alcohol during a party, you can be held liable for a guest who...

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2015 Traffic Fatalities Up 9.3 Percent After Years of Steady Declines

After years of steady, gradual declines in the number of traffic fatalities, the National Highway Traffic Safety Administration (NHTSA) has announced a 9.3% increase in the number of U.S. traffic deaths in the first nine months of 2015. Though the actual amounts for the final quarter and the whole of 2015 won’t be out until later this spring, the preliminary numbers show a marked increase, with a projected 26,000 fatalities from January to September of 2015, compared to 23,796 for the same period of 2014. A number of factors may have led to the increase in fatalities. For example,...

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