KTS Advocacy

I'm delighted to announce our collaboration with Bob Beatrice and Beatrice Insurance Agency! As a family-owned business with a longstanding reputation for excellence in the community, Beatrice Insurance Agency brings a wealth of experience and trust to our partnership. They are dedicated to providing exceptional medical insurance services making this collaboration a perfect match!

Being a healthcare advocate is a passion and I wake up everyday feeling motivated to support individuals with challenging healthcare issues. Here is a recent 5 star review with how we can support caregivers who are overwhelmed! Karen has been an excellent resource for my family. We found her through a Google search when my mom was having a health situation. We needed guidance navigating health appts, follow up calls, assisted living options, and organizing transportation and other care options. After an initial virtual call, we felt so comfortable with her being a go-to for our family and she has been connected with us since early March 2024.

As a healthcare advocate supporting employees in the workplace, I am reducing employee stress by managing some their healthcare worries and relieving their burdens. We can also play a crucial role in managing and mitigating the effects of "sitting disease" which is associated with prolonged sedentary behavior that can lead to various health issues. Some of the health risks include: ● Chronic conditions Sitting disease is linked to 34 chronic conditions, including obesity, high blood pressure, high blood sugar, and unhealthy cholesterol levels.? ● Musculoskeletal injuries Prolonged sitting can cause or worsen musculoskeletal injuries, such as neck and lower back pain.? ● Mental health issues Sitting disease can also be associated with mental health issues, such as depression and anxiety.? ● Brain health Sitting for more than 10 hours a day can increase the risk of developing dementia.? ● Increased mortality Research suggests that sitting for long periods can increase mortality and reduce life expectancy, similar to smoking. By addressing the issue of sitting disease proactively, healthcare advocates help improve employee health, reduce absenteeism, and enhance productivity in the workplace. Interested in learning more? Contact KTS Advocacy at 859-363-5981 or [email protected] We look forward to hearing from you!

Did you know that Healthcare Advocates can be incredibly helpful in resolving medical debt? KTS Advocacy recently helped a client save $25K on their medical debt of $36K, a 69% savings! Here are some of the ways we assist: Communication: We take over communications with healthcare providers, insurance companies, and debt collectors saving you time and reducing stress. Negotiating Bills: We are skilled in negotiating to reduce the amount owed; we understand medical billing codes and can identify errors or overcharges. Insurance Navigation: We assist in navigating the complexities of insurance claims, ensuring that you receive all the benefits you’re entitled to and that claims are processed correctly. Financial Assistance: We can guide you through the process of applying for financial assistance programs, which might be available through hospitals or other organizations. Lump Sum payments/Payment Plans: We can get a substantial reduction in the amount owed if a lump sum payment can be made. We can also help set up manageable payment plans that fit your financial situation, ensuring you can pay off your debt over time without overwhelming financial strain. Contact us for help! 859-363-5981 karen@ktsadvocacy

Can’t believe it’s over! Thanks to all the hard work making the Healthcare Advocate Summit such a fantastic event! Look forward to 2025! And a special thanks to Robin Prue-Waida and the AcariaHealth team for the amazing support for a KTS Advocacy client!

Day 1 was fantastic at the Healthcare Advocate Summit in Vegas! Great meeting Jeremy Gurewitz and the crew at Solace ??

Northern Kentucky Chamber of Commerce Eggs and Issues program with Candace McGraw, CEO of CVG Airport - Cincinnati/Northern Kentucky International Airport. Nice program!

Unsure about preventive care coverage under your employer's insurance plan? Here are some tips! Don't pay more than you should! Under the Affordable Care Act (ACA), private health plans must provide coverage for certain preventive services for adults and children at no cost and may not impose copayments or deductibles. These services are based on evidence-based recommendations provided by designated organizations. Your doctor must be in network in order to be fully covered. The most common preventive services are Routine physical exam, Well woman gynecological exam, Immunizations, Routine cancer screenings, Cholesterol & blood sugar level screenings, and Preventive care drugs. When it comes to preventive services covered at 100% by insurance, it’s essential that your provider uses the correct preventive codes. These codes help ensure that the services are appropriately categorized and billed. If you schedule a preventive care visit and ask your doctor about a specific health concern or condition, your provider may code and bill the appointment as an office visit and not for preventive care. It’s important to ask your doctor and his staff while you’re there if your visit (including labs) will be coded as preventive. How a service is coded determines how much you pay for it. Those codes will not appear on the provider’s bill or the insurance explanation of benefits. If you are reviewing your bill and see a charge that you think should have been for preventive care and covered at 100%, reach out to your insurance company to ask if they consider that a preventive service and if so, continue to ask why it wasn't paid as such! If coding needs to be changed for it to be 100% covered, you can contact your provider to ask them to make that change. For any employer that would like an a healthcare advocate to handle these situations plus many more for their employees, contact KTS Advocacy! 859-363-5981 [email protected]!

Employers, did you know that when you partner with a healthcare advocate that we can help employees negotiate medical bills and manage debt collectors??Well we can and here is one story…. One company that I partner with had an employee that came to me in hopes I could help in resolving his and his wife’s outstanding medical bills.?They were stuck not knowing how to handle it.?Like many people, they were strapped financially and couldn’t pay their bills.? ? To complicate matters, they had bills with two collection agencies.?With one provider, they both could no longer schedule their much needed treatments until there was a payment plan in place.?I reviewed the bills and after seeing that insurance reimburse on his wife’s bill, I asked for a self pay discount (not many know you can ask for this) and they reduced the bill by 50%!? I arranged a reasonable payment plan for both and they were now able to schedule their treatments again. The second collector was a little more complicated.?They filed a suit on the debt and there was a court hearing scheduled.?I contacted them and asked if they could ask for a continuance on the hearing while I tried to resolve the situation…..they agreed.?After digging into the situation, I learned their bills were coded incorrectly and could have been covered 100% by their insurance as some were preventive services.?Unfortunately, this debt was a year old by the time I got involved, the doctor had retired and they were unable to change the codes.?The provider wasn’t willing to allow them to apply for financial assistance due to the age of the debt so I had no choice but to work directly with collections on a settlement or payment plan.? As with many settlement negotiations, a discount on the balance was given but a lump sum payment has to be made which they were unable to do so we discussed what they could pay.?Even though that was less than what the collector said they would take, I was able to get them to agree to the payment plan that they could afford. This was time consuming and complicated.?By allowing an advocate to navigate this, the employee saved time, headaches & stress along with the money savings on their outstanding balances.?At the same time, this benefited the employer as well, as there was an increase in employee productivity since he was able to focus on his work and didn’t have to use work time to make these numerous phone calls to navigate this situation.?He also felt very supported by his employer with the addition of this employee benefit. Call me to learn more about adding a healthcare advocate to your benefit package...it will be the best gift to your employees! [email protected] 859-363-5981 #employeebenefits #humanresources #healthadvocacy