Entries by Diahanna Vallentine

How Uncertainty Has Hit Every Pocket of Living and Tips to Help You Through It

And just like that, we find ourselves in a lot of social, economic, and mental turmoil. For those who have been under stress with keeping up with healthcare costs and […]

Financial Assistance for Family Care Partners

Resources to help you identify financial assistance for your care partner. Medicaid Cash and Counseling Programs: If the person who is being cared for has a disability or chronic condition […]

Clinical Trials and Financials

Under the Affordable Care Act, all insurance companies must cover the routine patient costs from an in-network provider associated with an approved clinical trial, making clinical trials much more affordable. […]

Life Insurance Accessibility, Usage, and Types

Accessibility Employer-Provided Life Insurance Either term policy or group whole life insurance. You can enroll in these policies during your open enrollment through your employer. Employers often offer a small […]

First Moves When Newly Diagnosed: Getting Ahead of the Financial Game

As you will find out, cancer is an expensive disease. And as a result, cancer patients are more likely to find themselves burdened with financial toxicity. We recommend you learn […]

Questions to Ask Your Healthcare Team

It’s not always easy to know what questions to ask about your care or the care your loved one is receiving. On the following pages, you’ll find lists of questions […]

Asking for Financial Assistance Opportunities

If you find you are uninsured or underinsured and cannot meet your financial obligation for paying medical bills or paying for prescription drugs, you may have options. Opportunities for Assistance […]

Managing Financial Stress in an Uncertain Politically Charged Environment

I noticed in the last few weeks that I’ve been having a really difficult time sleeping. I experienced heart palpitations as well as short periods of minor panic attacks. This […]

Understanding Clinical Trials and Associated Cost and Mitigating Financial Stress

Remember the law that passed 2 years ago that prevented medical debt of under $500 from hitting your credit report? That was good news for many people. That, however, doesn’t […]

Estate Planning: Secure Your Future, Protect Your Legacy

Estate Planning is probably the least understood area of financial planning. It is also possibly one of the most important components of a solid financial plan. Many people think it […]

How Does a Disability Impact Spending in Retirement?

For a variety of reasons, people who have suffered a disability before retirement age and after finding themselves having to manage their spending in retirement quite differently than if they […]

Changes to Medicare Part D in 2024 and 2025

The Inflation Reduction Act of 2022 put into play some major changes to Medicare Part D enrollees. The purpose of the changes was to reduce out-of-pocket costs for prescription drugs. […]

Negotiating Debt, Managing Your Finances and Gaining Financial Security

Debt can be crushing. It can cause people to delay marriages, purchasing of a home and even decline or delay needed medical treatment. In fact, one of the leading causes […]

Hospital Charity Programs: What You Need to Know

Understanding Hospital Charity Programs Many of you may be aware that some laws have changed regarding reporting of medical debt to credit agencies. Those new laws are most favorable to […]

Medical Bills Collections, and Your Credit Score and Upcoming Changes

Many people don’t realize that their credit report may contain medical bills in collection that can seriously affect their credit score. Even if you’ve been paying your credit cards, mortgage, […]