KTS Advocacy

08/22/2026

Thank you to Emerging Leaders Of NKY for the sponsorship opportunity at the recent networking event, and thanks to Lori Wall with Spanish on the Fly for the pic!

This was me talking about KTS Advocacy, the work we do helping clients navigate our complex healthcare system, and sharing one of my medical bill cases.

A client was left with a bill of more than $100,000 that was avoidable. The key takeaway...insurance verification has two parts: benefit verification and prior authorization requirements. A procedure can be approved for medical necessity, but if it's excluded under the plan, the claim will still be denied with no appeal opportunity.

Don't assume your provider's office has verified everything for you. While many providers check benefits and authorizations as a courtesy, the responsibility ultimately falls on us as members to understand our coverage.

To be clear, this was not the client's fault. They were told the service was approved, and believed it would be covered. The difference between approval and coverage is rarely explained to members, which is why situations like this happen so often.

05/09/2026

So humbled by this 5 star review! It reinforces just how much I love what I do. I’m thankful every day for the opportunity to advocate for individuals and caregivers when they need it most.

If you have the time to read through both pages...it speaks to the Copay Accumulator Program which many may not be aware of!

04/12/2026

Not only do we support caregivers in the community, but with an added Concierge Healthcare Advocate employee benefit, we can also support those in the workplace.

When, if at all, should employees disclose caregiving responsibilities in the workplace? According to AARP, 7 in 10 caregivers are part of today’s workforce, yet many struggle with whether, or how, to tell their employer about their caregiving role. There's a fear of stigma, career impact, or adde...

03/26/2026

This KTS Advocacy success story was simply too good not to share and great strategies for everyone!

After facing $165,812 in medical bills from one hospital system and its affiliated providers, I was able to help my client reduce that amount to just $1,966...a 99% savings! These bills were the result of a serious cancer diagnosis, which made an already overwhelming situation even more stressful.

So how was it done?
First, I encouraged her to apply for financial assistance, even though she earned a salary through the restaurant she owned. Despite having a decent income, she was uninsured while undergoing cancer treatment, and the hospital approved her for an 80% discount. While that was a great start, I then requested an itemized bill so we could carefully review the charges remaining and see if further reductions were possible. To my surprise, the hospital then approved her for 100% charity care under a catastrophic clause in the policy and completely wrote off the entire balance. 🤠

The final step was getting all the providers associated with the hospital stay to honor that same write-off....not necessarily something that providers will do, but you don't know unless you ask. After a long process (and even dealing with accounts that had gone to collections), I was thrilled when I heard today that the last remaining balance of $3,820 was written off, honoring the hospital charity. 🥳

Persistence matters and anyone can follow these steps. When additional support is needed, a skilled advocate can provide meaningful support to individuals in the community and employees in the workplace, saving time and reducing stress for everyone involved!💪🥳🙂

Reach out anytime!
859-363-5981 Office
513-315-2442 Cell
[email protected]
kstadvocacy.com

01/01/2026

Happy New Year from KTS Advocacy!

10/08/2025

How often do providers miscode preventive care claims? More than you’d think! Preventive services, like wellness visits for adults and children, including labs, should be covered at 100%. But if the provider doesn’t code the visit correctly, insurance may treat it as diagnostic instead.

What does that mean for employees? Instead of full coverage, they could be hit with unexpected costs - deductibles, coinsurance, or out-of-pocket charges, just like a regular visit. It’s easy to blame the insurance company, but in many cases, the issue starts with the provider’s coding.

Can it be fixed? Absolutely! This is one of the many behind-the-scenes issues we resolve for employees so HR teams and brokers don’t have to. It’s not always a quick fix, but it’s one we know how to navigate.

Let KTS Advocacy handle the headaches for your employees and your HR team. Save time, reduce stress, and protect your employees from unnecessary costs!

Contact me at 859-363-5981 or [email protected] for more information!