If you received a denial notice from your Medicare Advantage plan that you believe should have been covered based on the plan’s coverage rules, here are some tips to file an Appeal.

An Appeal (regarding insurance coverage) is defined as:  A request for your health insurance company to review a decision that denies a benefit or payment. If your health plan refuses to pay a claim or ends your coverage, you have the right to appeal the decision and have it reviewed by a third party. When you file an appeal, you are asking your plan to reconsider its decision.

When it comes to the sun do you know the difference between sun lotion, sun block, and sun screen? I didn’t. 

If you know you will be in the sun for a day (at the beach or finally getting together with family or friends) and you will be outside most of the day, how will you protect yourself or family from the sun rays?

So ... you stop at the drug store to purchase some type of sun (screen, lotion, or block). You know that the higher the number (or SPF #) on the bottle will give you more protection from the sun, but which brand and which kind are you actually supposed to purchase and which works the best, especially on children (grand-children)?

My sister Tammy writes compliance (in an OSHA type of position) with the company she works for. She let me use this description of the different types of sun products in the marketplace and how to decipher which products work the best, the hazards to be aware of, and how to buy a sun product. Click below for the details:

July is UV Awareness Safety Month.  BE SAFE everyone. Enjoy your summer. 😊