Hi Colleen,
What a fantastic topic to discuss.
As I read posts from so many people, I sadly see how many people can't get the help they need because of financial reasons.
My daughter is a social worker who is working at a dialysis unit.
We have discussed how many patients either don't take their meds regularly because of the cost or do not go for regular treatments for the same reason.
It is part of her job, once she is aware of some of her patient's limitations, to look into options that can help.
When she was a hospice social worker (her passion), she did similar tasks....get housekeeping, rides, meds, financial help with household builds (gas, electric, rent/mortgage, car payments, etc.).

I personally have found that each year when my insurance is renewed, my plan might be changed a little (or a lot). Often, I will be told in advance, by the doctor's office what is USUALLY not covered. It is then up to me to call the insurance company to find out. I am now on Medicare and I have been told more that once, when checking on a procedure, etc., that they won't know the coverage until they get the bill from the doctor and the codes. They can only give me the USUAL answer. So, it is important that the doctor codes the bill appropriately.

As far as the organization of bills, I keep a folder where I keep all my paperwork related to a particular event. I keep everything including published materials given to my by a doctor or hospital. I also include bills, test results, notes, any questions I have gotten answers for and copies of ALL PAPERS I TURN IN. In addition, I keep a log with answers to questions and phone calls with a summary. I include a date, name of the organization, name of person(s) I speak with, what is said and a summary of the call with the conclusion and recommendations. I find it impossible to remember who said what about this and that.

Through my daughter, she has helped me help friends with issues. She suggests checking with local government agencies, first. Many have offices for seniors or disabled, etc. If that does not work, then try state and federal governments.

I hope this is what you were talking about.

Ronnie (GRANDMAr)