Take Care

Moving to a new city comes with a long to-do list, but finding the right doctor shouldn’t be left to chance.In this episode of Take Care Together, Melody Mulaik and Ashley talk through the real-life process of relocating and navigating healthcare in an unfamiliar place. From finding in-network providers to managing prescriptions across state lines, they break down what you actually need to do before, during, and after your move.If you’re moving soon, or even just thinking about switching doctors, this episode will help you stay ahead, avoid stress, and take control of your healthcare decisions.What You’ll Learn in This Episode:How to find doctors in a new city (without feeling overwhelmed)Why starting with in-network providers saves time and moneyWhat to do about prescriptions, especially controlled medicationsHow to transfer medical records the right wayThe smartest way to choose a healthcare system and primary care doctorTimestamps:[00:01:00] Starting with your insurance provider[00:04:00] Preparing to transfer medical records[00:05:00] Planning for prescriptions[00:14:00] Scheduling primary care before you move[00:19:00] Knowing where to go for emergency careMoving doesn’t just mean packing boxes; it means rebuilding your healthcare team. Start early, stay flexible, and don’t be afraid to ask questions. The more prepared you are, the smoother your transition will be.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

What if some of the treatments you need… don’t require surgery at all?In this episode of Take Care, Melody Mulaik sits down with Dr. Matthew Hawkins, a board-certified interventional radiologist, to explore a powerful yet often overlooked field in medicine.Interventional radiology uses imaging modalities such as X-rays, ultrasound, CT scans, and MRI to perform procedures inside the body with few to no incisions.That means:Less painFaster recoveryFewer hospital staysIf you’ve never heard of this before, you’re not alone. And that’s exactly why this conversation matters.What You’ll Learn:What interventional radiology is and how it worksThe surprising range of conditions it can treatWhy are many patients never told about this optionHow to ask your doctor about minimally invasive proceduresThe role of interventional radiology in cancer care and pain managementWhat to do if there’s no specialist in your areaHow pediatric patients benefit from these treatmentsTimestamps:[00:00] Introduction to Dr. Matthew Hawkins[01:00] What is interventional radiology?[02:00] Common procedures and real-life examples[03:00] Why IR isn’t widely known[04:00] How patients can find IR specialists[06:00] Interventional oncology and cancer treatment options[08:00] Pain management and palliative care[09:00] What to do if there’s no specialist nearby[10:00] Telemedicine and remote consultations[12:00] Pediatric interventional radiology explained[14:00] Conditions that require specialized care[15:00] A day in the life of an interventional radiologist[17:00] The future of interventional radiology[19:00] Final advice for patients and caregiversResources Mentioned:Society of Interventional Radiology – Find an interventional radiologist near you: https://www.sirweb.org/ Connect with Dr. Matt on LinkedIn: https://www.linkedin.com/in/matt-hawkins-md-93b6b737/ Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Choosing the right doctor for your child is one of the most important decisions you’ll make as a parent, but how do you actually know who to trust?In this episode of Take Care, Melody Mulaik sits down with Dr. Robert Harrison, a board-certified pediatrician and infectious disease specialist, to break down how to choose a pediatrician and what parents should really look for beyond just convenience or referrals.From experience and hospital affiliations to ongoing medical education and access to specialists, Dr. Harrison shares what separates a good pediatrician from a great one, and why it matters more than you think.The conversation also dives into one of the most talked-about (and often confusing) topics today: vaccines. You’ll learn where to find reliable, science-based information, why misinformation spreads, and what parents need to understand to make informed decisions that protect not only their child but the entire community.If you’re expecting, a new parent, or simply want to feel more confident about your child’s healthcare, this episode will give you clarity, reassurance, and practical guidance you can use right away.What You’ll Learn:How to choose a pediatrician you can trustWhat makes a good pediatrician (experience, education, affiliation)Why group practices can improve your child’s careWhat questions to ask when interviewing a pediatricianWhere to find reliable vaccine informationThe truth about vaccines and common misconceptionsWhy routine checkups can catch serious health issues earlyHow to build trust and communication with your child’s doctorTimestamps:[01:00] Why choosing the right pediatrician matters and how it impacts your child’s health[02:00] What to do if access to pediatric care is limited and how to find the best option[02:40] Key qualities of a good pediatrician: experience, hospital affiliation, and continuous learning[05:40] Vaccine myths vs facts: where to get reliable information and why it matters[12:30] What parents should prioritize including trust, communication, and access to specialists[17:00] Why routine checkups, early diagnosis, and proactive care can change a child’s lifeResources Mentioned:American Academy of Pediatrics (AAP) – Trusted source for pediatric and vaccine guidelines: https://www.aap.org/ Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

When a child is diagnosed with cancer, parents are thrown into a world they were never prepared for.In this episode of Take Care, Melody Mulaik sits down with Laura DeKraker Lang-Ree, author of The Cancer Parents Handbook: What Your Oncologist Doesn’t Have Time to Tell You, to uncover what truly happens beyond the hospital walls.Laura shares her personal journey as a parent navigating her child’s cancer diagnosis, and the critical gaps in support that inspired her to write a practical, real-life guide for families.This conversation goes beyond medical treatment. It dives into advocacy, emotional resilience, building a support system, and how to care for yourself while caring for your child.If you or someone you love is facing childhood cancer, this episode offers guidance, clarity, and hope.In this episode, you’ll learn:How to advocate for your child in a complex healthcare system—even if you feel overwhelmedHow to build a strong support system and confidently ask for help during a crisisPractical ways to manage the long journey of childhood cancer while protecting your own well-beingKey hospital and community resources most parents don’t know exist (but should use)How to prepare for life after treatment, including survivorship and long-term health considerations Timestamps:[00:00] A parent’s reality: the shock of a childhood cancer diagnosis and feeling completely unprepared[03:00] The story behind The Cancer Parents Handbook and why it had to be created[06:00] The 3 essentials: advocacy, building your support system, and self-care during the journey[09:00] Hidden resources parents should know: social workers, child life services, and support groups[12:00] Why caregivers must prioritize their own well-being (and how “tag team parenting” helps)[25:00] Looking ahead: survivorship, long-term effects, and empowering your child beyond treatmentResources:Laura DeKraker Lang-Ree’s website: https://cancerparentshandbook.com/ The Cancer Parent’s Handbook: What Your Oncologist Doesn’t Have Time To Tell You: https://books2read.com/CancerParent Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Breast imaging can feel confusing… but understanding it could save your life.In this episode of Take Care, Melody Mulaik sits down with Dr. Dana Smetherman, CEO of the American College of Radiology (ACR), to break down what radiologists actually do and why imaging plays a critical role in early detection, especially for breast cancer.From mammograms and MRIs to dense breast tissue and insurance challenges, this conversation helps patients understand what to expect, what questions to ask, and how to advocate for their own care.If you’ve ever wondered what happens behind the scenes of your imaging results or felt unsure about screening recommendations, this episode gives you clarity and confidence.In this episode, you’ll learn:Radiologists are physicians who interpret imaging and help detect diseases earlyMammograms starting at age 40 significantly reduce breast cancer deathsAbout 10% of women are called back after screening, but most do not have cancerDense breast tissue can make cancer harder to detect and slightly increases riskMRI is powerful but not always necessary, and not always covered by insurancePatients must stay informed and advocate for their careTimestamps:[01:00] What a radiologist really does (and why they’re called medical detectives)[11:00] When to start mammograms and why age 40 matters[13:00] The truth about callbacks: why most are not cancer[23:00] Dense breasts explained and how they affect detection[27:00] Insurance challenges and how to advocate for better careResources Mentioned:American College of Radiology (ACR)HRSA Updates Breast Cancer Screening for Women at Average Risk GuidelineEarly detection saves lives, but understanding your options helps you take control. Don’t be afraid to ask questions, follow up on results, and advocate for the care you deserve.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Medical imaging plays a critical role in diagnosing injuries, detecting disease, and guiding treatment decisions. Yet many patients feel confused about what happens during imaging tests and who is actually involved in their care.In this episode of Take Care, Melody Mulaik is joined by Jason Newmark, Executive Director of the Association for Medical Imaging Management (AHRA). Jason explains the different types of medical imaging, the professionals involved behind the scenes, and why patients sometimes face delays when scheduling exams like MRIs.They also discuss the importance of safety in imaging, the difference between technologists and radiologists, and practical tips patients can use when trying to schedule an imaging appointment sooner.Whether you're preparing for a scan or simply want to understand how medical imaging works, this conversation offers helpful insights into one of the most important areas of modern healthcare.In this episode, Melody and Jason discuss:Medical imaging includes many types of scans, such as X-rays, CT scans, MRIs, ultrasounds, PET scans, and nuclear medicine studies.The person taking your scan is usually a technologist, while a radiologist is the physician who interprets the images.Some imaging exams use radiation (like X-rays and CT scans), while others, such as MRI and ultrasound, do not.Safety protocols are built into every imaging procedure to protect both patients and healthcare staff.Staffing shortages and the complexity of some exams, especially MRIs, can lead to longer wait times for appointments.Patients may sometimes find earlier appointments by asking about cancellations, different locations, or alternative scheduling times.Resources:AHRA: The Association for Medical Imaging Management: https://www.ahra.org/homeConnect with Jason Newmark on LinkedIn: https://www.linkedin.com/in/jason-newmark-9846055/ Timestamps:00:00 – Introduction to Medical Imaging02:30 – What Medical Imaging Actually Means03:30 – Types of Imaging Modalities04:30 – Imaging Safety and Radiation05:30 – Who Works in an Imaging Department07:00 – Technologist vs Radiologist08:00 – Why Imaging Appointments Can Take Time10:00 – Career Opportunities in Medical Imaging12:00 – Why MRIs Take Longer13:00 – Tips for Getting an Imaging Appointment Sooner16:00 – The Stress of Diagnostic Imaging18:00 – Managing Access to Imaging Services21:00 – The Importance of Patient Communication22:00 – Human Connection in HealthcareTake Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

When a loved one is hospitalized, caregivers often face the question: ‘What happens next?’ In this episode of Take Care, Melody Mulaik shares her experience helping her 90-year-old mother transition from the hospital to a rehabilitation or skilled nursing facility.Melody explains key steps caregivers should know, including Medicare’s ‘three-day hospital stay rule’, the role of hospital case managers, and how early communication with the care team can help make the transition smoother.What You’ll Learn:Caregiving decisions after a hospital stay. Understanding the challenges of caring for aging parents and deciding between home care or rehabilitation services.Medicare rules for rehab coverage. Why the three-day hospital stay requirement and admission status matter for skilled nursing or rehab eligibility.Working with the hospital care team. How case managers, therapists, and caregivers help coordinate rehab placement and support recovery.Timestamps:00:00 – Melody shares her experience caring for her 90-year-old mother.01:00 – Hospital admission and evaluating care options after discharge.02:00 – Medicare’s three-day hospital stay rule for rehab coverage.03:00 – The role of hospital case managers in coordinating rehab placement.04:00 – Why communication with therapists and caregivers matters.05:00 – Transitioning successfully to a rehab or skilled nursing facility.06:00 – Encouragement for caregivers navigating similar situations.If this episode helped you, share it with someone who may be caring for an aging loved one. Have questions or experiences to share? Leave us a comment on our website.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

How do you know if a hospital or doctor is actually “good”?In this episode of Take Care, Melody Mulaik answers a listener's question about where to find trustworthy information when choosing a provider or hospital. With so many ratings, reviews, and opinions online, it can feel overwhelming. This episode breaks down the difference between official quality data, independent rankings, and patient reviews, and how to use them wisely.You’ll learn how to research hospital performance, what CMS star ratings really measure, how physician review sites work, and the most powerful question you can ask your doctor when you need a referral.This episode will help you move from confusion to confidence when making healthcare decisions.In this episode, you’ll learn: [00:00:45] Where to find official hospital quality data (CMS and Medicare Care Compare)[00:01:35] What CMS star ratings actually measure (mortality, readmissions, patient experience, timely care)[00:02:20] How to interpret hospital outcomes and complication rates[00:03:05] What Healthgrades and Vitals can — and cannot — tell you about physicians[00:03:45] Why patient experience does not always equal clinical quality[00:04:15] How US News & World Report hospital rankings are developed[00:04:50] The role of local “Best Doctor” publications (and what to watch for)[00:05:15] The single best question to ask your doctor when you need a referral[00:05:50] Why your own patient reviews and surveys matter more than you thinkOnline ratings are a starting point, not the final answer. The smartest approach combines official quality data, patient experiences, and trusted personal recommendations.If you’ve ever wondered how to evaluate a doctor, compare hospitals, or avoid poor healthcare outcomes, this episode gives you practical tools to make informed decisions.Have a question you’d like answered on the podcast? Visit the Take Care website and submit it for a future episode.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

When does it make sense to pay out of pocket for healthcare instead of using insurance?In this episode of the Take Care podcast, Melody Mulaik answers David’s question about the pros and cons of self-pay (cash pay) versus using health insurance for medical services.She walks through real-life situations where paying out of pocket may cost less, when insurance is clearly the better choice, and the key tradeoffs to think through before making a decision.What You’ll Learn:[00:02:40] Why self-pay can sometimes be cheaper than using insurance, including a $75 self-pay vs $100 copay urgent care example.[00:02:40] How copays, deductibles, and negotiated rates can change what you actually pay out of pocket.[00:03:52] Why does self-pay not count toward your deductible because the claim is not submitted through insurance?[00:04:18] When prompt-pay discounts may be available if you pay upfront as a self-pay patient.[00:05:07] How privacy concerns can factor into your decision if you prefer not to submit a service to insurance.[00:05:39] Why prior authorization requirements can push some people toward self-pay for faster, simpler access.[00:06:43] When insurance is usually the smarter option, especially for hospitalizations, surgery, and ongoing treatment.This episode is educational and helps you think through your options. Your costs and coverage depend on your specific insurance plan and provider.Have a Question for Take Care?Send your question through the form on Melody’s website or post it on social media for a future episode.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Get a second opinion without the stress spiral.In this episode of Take Care, Melody Mulaik shares a simple 3-step process you can use to advocate for yourself or a loved one.What You’ll Learn:The 3-step framework for getting a second opinionHow to talk to your current physician openly and productivelyHow to keep continuity of care so nothing falls through the cracksA real-world example from Take Care about seeking specialty input for a child’s conditionTimestamps:00:00:13 Listener question and why second opinions matter00:00:50 Step 1: Research00:01:00 Step 2: Talk to your physician00:01:42 Step 3: Close the loop00:02:10 Personal story and what changed after the second opinion00:03:24 Encouragement to advocate for yourself and submit questionsHave a question you want answered on a future episode? Submit it through Take Care’s website.Important note:This episode is educational and not medical advice. For medical decisions, talk with your clinician or care team.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Why does your doctor bill one amount, but your insurance pays something completely different? In this episode of the Take Care podcast, Melody Mulaik breaks down one of the most confusing parts of healthcare billing and explains why the number on your bill is rarely the number your physician receives.Using a real listener question, this episode walks through how insurance contracts work, how in-network and out-of-network status is decided, and why Medicare rates play such a big role in what doctors are paid. Melody also explains the real costs physicians carry behind the scenes and why the gap between charges and payments exists in the U.S. healthcare system.If you’ve ever looked at an Explanation of Benefits and thought, “This makes no sense,” this episode is for you.In this episode, Melody discusses:00:00 – Why insurance doesn’t pay what your doctor charges00:27 – How doctors negotiate with insurance companies00:56 – In-network vs. out-of-network explained01:21 – How insurance companies decide what they pay01:55 – What Medicare rates really mean02:40 – Medicare allowed amounts and patient responsibility02:55 – Why insurance might pay more or less than Medicare03:17 – Percentage-of-charge contracts (and why they’re rare now)03:43 – Why charges still look so high04:09 – The real costs of running a medical practice04:29 – Why billing and reimbursement are separated in U.S. healthcare04:51 – How this affects what patients ultimately oweTake Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

You went to the doctor, paid your copay… and then a separate lab bill showed up. Why does this happen?In this episode of Take Care, Melody Mulaik explains why lab work is often billed separately from your doctor’s visit, how insurance companies classify lab services, and why those charges may apply to your deductible instead of your copay.You’ll learn the difference between preventive and diagnostic lab tests, what questions to ask before getting bloodwork done, and how to check your insurance so you only pay what you truly owe.This episode helps you make sense of unexpected lab bills and avoid paying more than you need to.In this episode, Melody discusses:00:00 – Why lab bills often arrive separately from your doctor visit00:41 – Doctor visits vs lab services: why they’re considered different01:37 – How lab companies and outside processing work02:08 – How insurance plans “bucket” lab services03:01 – Copays, deductibles, and how labs are billed03:41 – Preventive labs vs diagnostic labs explained04:28 – When labs during an annual visit become diagnostic05:03 – Asking if your lab is in-network05:53 – Finding out where your labs are sent06:14 – Mixed preventive and diagnostic labs in one visit06:49 – Asking for cost estimates before bloodwork07:29 – Why you should always verify lab bills with your insurance08:00 – Final reminders on validating what you actually oweTake Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Filling a prescription seems simple until you’re faced with multiple options, insurance rules, and cost differences that aren’t always explained.In this episode of Take Care, host Melody Mulaik answers a listener’s question: Where should I get my prescriptions filled? Melody walks through the pros and cons of local pharmacies versus mail-order prescriptions and explains how to decide based on urgency, cost, insurance coverage, and personal preference.This episode helps you understand that there’s no one-size-fits-all answer and that you’re allowed to mix and change options as your needs evolve.In this episode, Melody discusses:[00:30] Why this question is more complex than it sounds[01:00] In-person pharmacies: grocery store vs freestanding locations[01:35] The advantage of same-day and 24-hour pharmacies[02:00] Why access to a pharmacist matters, especially for new medications[02:45] Mail-order prescriptions and why they’re usually 90-day supplies[03:10] Cost savings and convenience of mail-order medications[03:45] Insurance considerations and mail-order contracts[04:30] Why you don’t have to choose just one option[05:00] How to decide what works best for your situationTake Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Finding out your doctor can no longer see you is a jarring experience that can leave you feeling dismissed and anxious about your health. In this episode of Take Care, host Melody Mulaik demystifies the process of "physician dismissal." You’ll learn why this happens, what legal protections you have against patient abandonment, and most importantly, the immediate steps you need to take to ensure your care isn't interrupted.In this episode, Melody discusses:[00:45] The Hard Truth: Can a doctor really "fire" a patient?[01:10] Understanding Patient Abandonment: Why they can’t just stop caring for you without notice.[02:00] The Notice Period: What to look for in your formal written communication.[03:00] The Action Plan: Securing medical records and ensuring you have access to prescriptions.[04:00] Finding Your New Provider: Resources, insurance tips, and referral advice.[04:45] Your Rights: When and how to contact your state medical board.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Have you ever signed a HIPAA form at the doctor’s office and wondered what you were actually agreeing to? In this episode, Melody Mulaik breaks down the Health Insurance Portability and Accountability Act (HIPAA) to demonstrate that it’s more than just paperwork; it’s a powerful tool for patient empowerment. From your right to access your own records to how you can dictate who sees your information, Melody explains how to navigate these protections to ensure your healthcare remains accurate, private, and within your control.In this episode, Melody discusses:[00:00] What is HIPAA and why does it matter to you? [01:12] Your right to access and own copies of your medical and billing records[01:58] How to request changes or amendments to inaccurate medical information [02:40] Understanding the Notice of Privacy Practices (NPP) [03:45] Requesting restrictions on how your information is shared [04:44] Dictating your communication preferences and confidential contacts [05:33] Withdrawing permission and managing third-party access [06:30] Final recap of patient rights under HIPAA Want to Ask Melody? Visit: https://melodymulaik.com/ASK Don’t forget to subscribe so you won’t miss an episode. If you've ever signed a privacy form at the doctor's office and wondered what you were actually agreeing to or, if you've ever found an error in your medical records and didn't know you could fix it, this episode is a must-listen.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Melody Mulaik and Ashley Hunter demystify the world of telehealth and telemedicine. From diagnosing a sinus infection from your couch to managing a specialist's care in a different state, virtual visits have transformed how we access healthcare. But with new technology comes new questions: Is my insurance going to pay for this? Is that TikTok ad for medication legitimate? Melody and Ashley break down the "how-to" of virtual care, provide a framework for vetting online services, and share tips for helping older family members navigate digital appointments.Featured Topics:Understanding the live, virtual interaction between patients and providers for diagnosis and prescriptions.How to research the legitimacy, transparency, and provider availability of digital healthcare websites.Navigating the complexities of 2026 coverage and how state laws impact online medical care.In this episode, Melody and Ashley discuss:[00:09] Telehealth allows providers to diagnose and prescribe via live video on computers or phones.[02:22] COVID-19 accelerated telehealth adoption and insurance coverage by roughly 20 years.[03:32] Virtual visits offer faster appointments for rural residents and caregivers of elderly parents.[05:58] While coverage continues in 2026, state laws and specific insurance plans still vary.[10:48] Consumers should prioritize transparency and consult local pharmacists to verify online medical services.Want to Ask Melody? Visit: https://melodymulaik.com/ASK Don’t forget to subscribe so you won’t miss an episode.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Navigating the mountain of medical correspondence and bills is one of the most stressful parts of receiving care. Melody Mulaik breaks down the top five most confusing medical billing issues and gives you a clear, actionable plan to validate every charge, so you only pay what you truly owe.Learn the critical difference between the communication that says "This is not a bill" and the final statement that requests payment. Most importantly, Melody provides the one non-negotiable step you must take with your insurance company before making that payment.Featured Topics:Validating Your Bill: The essential first step is to log in to your insurance company's website to review the Explanation of Benefits (EOB) and confirm your patient's responsibility before paying any medical bill.Handling Unsubmitted Claims: If you receive a bill but the claim isn't showing up on your insurance company's website, call the provider's billing office and ask them to resubmit the bill.The Timely Filing Rule: If you get a bill months after a procedure, check your EOB to see if the insurance company denied the claim due to the provider missing the "timely filing" deadline; if they did, you are not obligated to pay it.In this episode, Melody discusses:[00:00] The stress of medical correspondence and why providers communicate with you.[01:06] What to do with the initial "This is not a bill" statement.[01:54] The non-negotiable step to take once you receive a bill—checking your insurance claim.[04:36] Action plan: What to do if your provider failed to submit the bill to your insurance.[07:11] Why do you receive multiple bills for a single ER visit?[10:43] The "Timely Filing" rule: Do you have to pay a bill received months later?.[13:08] Detailed breakdown: How to read your Explanation of Benefits (EOB) to find your exact responsibility.Want to Ask Melody? Visit: https://melodymulaik.com/ASK Don’t forget to subscribe so you won’t miss an episode. If you've ever tried to get an urgent appointment with your doctor and were told they have no availability, this episode is a must-listen.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Navigating your health requires more than just showing up; it requires a strategy. Melody Mulaik breaks down the complexities into five actionable steps, so you can stop feeling powerless and start getting the high-quality, timely care you deserve.Are you struggling to find a specialist without a three-month wait? Does your doctor rush you and type on a computer instead of listening? Are you sick and need care today? Melody provides insider strategies for all these common pain points.Featured Topics:Strategically Find Your Doctor. Go beyond proximity and personal traits by seeking respected physicians who are board-certified or double-board-certified in their specialty.Get a Faster Appointment. Use the online scheduling portal, ask about flexibility in location, or utilize the waitlist to secure an appointment with a busy specialist quickly.Demand to Be Heard. Do not leave the exam room until all your questions are answered, and politely ask the staff to have the physician return if they try to rush out.What You’ll Learn:[00:00] How to stop guessing and strategically find the absolute best doctor for you and your family.[05:58] Four key ways to get that critical appointment fast, even if you are initially told the wait is months long.[11:47] What to say to ensure your doctor stops rushing and listens to all your comments and questions.[16:55] How to schedule your appointments to significantly avoid frustrating delays and long waiting times.[20:00] Four simple options for getting the medical care you need immediately when your physician is unavailable today.Want to Ask Melody? Visit: https://melodymulaik.com/ASK Don’t forget to subscribe so you won’t miss an episode. If you've ever tried to get an urgent appointment with your doctor and were told they have no availability, this episode is a must-listenTake Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Deciding between an FSA and an HSA can feel like a financial gamble, especially with the 'use it or lose it' rule hanging over an FSA. Melody Mulaik breaks down the Flexible Spending Account (FSA) and the Health Savings Account (HSA). Learn the critical differences in funding, ownership, portability, and rollover rules so you can confidently set aside pre-tax dollars to cover your family’s qualified medical expenses. Whether you're in a high-deductible plan or planning for predictable healthcare needs, this episode will help you invest wisely and lower your taxable income.Featured Topics:Understand the fundamental difference between an FSA (Flexible Spending Account) and an HSA (Health Savings Account), and why one is a "use it or lose it" scenario while the other rolls over.Learn which account is tied to your employer and must be left behind if you change jobs (FSA), and which one is owned by you and is fully portable (HSA).Find out how both accounts offer pre-tax contributions, but only an FSA might allow you to spend ahead before you've contributed the money.What You’ll Hear:[0:00] FSA vs. HSA, what’s the difference?[0:36] Defining FSA (Flexible Spending Account) vs. HSA (Health Savings Account)[0:45] The critical distinction: Spending vs. Savings[0:55] FSA: Employer-tied, set contributions, and portability issues[1:15] HSA: Tied to high-deductible plans and portability[1:35] The one similarity: Both are pre-tax contributions[2:00] FSA’s 'Use It or Lose It' vs. HSA’s Rollover[2:40] Spending ahead: How an FSA can function like a credit[3:30] Tax implications of withdrawing non-medical HSA funds[4:15] Choosing the right plan for high deductibles[4:50] Final thoughts on lowering taxable income and managing medical expensesWant to Ask Melody? Visit: https://melodymulaik.com/ASK Don’t forget to subscribe so you won’t miss an episode. If you've ever stared at a Flexible Spending Account (FSA) or Health Savings Account (HSA) option and had no idea which one saves you money or causes you to lose it, this episode is a must-listen.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Getting a statement from your insurance company can feel like trying to read a foreign language. What is an EOB? Why does it say, "This is not a bill?" And most importantly, what do you actually owe?Melody Mulaik demystifies the Explanation of Benefits (EOB). She walks you through, step-by-step, how to find your EOBs on your insurer's website and how to read them line by line. You'll learn the difference between the "amount billed" and the "member rate," how to track your deductible, and what co-insurance really means for your wallet.Stop guessing and feeling anxious about medical bills. This episode gives you the tools to confidently validate every bill you receive from a provider and ensure you're only paying what you truly owe.Featured Topics:What an Explanation of Benefits (EOB) is and how to find it on your insurance company's website.Understanding the key terms on your EOB, like deductible, copay, and co-insurance.A line-by-line guide to reading your EOB, including the "amount billed," "member rate," and "your responsibility".How to find "remark codes" to understand why a claim might not have been paid and what your next steps should be.What You’ll Hear:[00:00:00] Introduction: Why you must validate what you owe for a service.[00:01:00] How to find your "Explanation of Benefits" (EOB) on your insurer's website.[00:02:00] Understanding the EOB summary: "This is not a bill" and tracking your deductible.[00:03:00] Defining key terms: Co-insurance vs. Copay.[00:04:00] Breaking down the EOB columns: Service descriptions, CPT codes, and Amount Billed.[00:05:00] Finding your true cost: Understanding the "Member Rate," what's applied to your deductible, and your co-insurance.[00:06:00] A real-world example of how co-insurance is calculated.[00:07:00] What to do if a claim isn't paid: Finding and reading "remark codes".[00:08:00] How to use the EOB to validate any bill you receive from a provider.Want to Ask Melody? Visit: https://melodymulaik.com/ASK Don’t forget to subscribe so you won’t miss an episode. If you've ever stared at a medical bill and an "Explanation of Benefits" (EOB) and had no idea if you actually owe that amount, this episode is a must-listen.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Expecting a baby is an exciting time, but the financial paperwork can be confusing. When Caroline’s OB-GYN handed her a financial agreement for a “global billing package,” she wasn’t sure what it meant for her costs.In this episode, Melody breaks down exactly what a maternity global package is and why it’s used. Learn the critical steps to verify the cost with your insurance, what questions to ask about included and excluded services, and how to make sure you don't get hit with unexpected fees from the hospital. This is your guide to financially preparing for your new arrival with confidence.Featured Topics:What is a global billing package for maternity care?How to verify the amount your doctor is asking for with your insurance plan.Understanding what services are typically included and excluded from the package.How to clarify potential hospital fees vs. physician fees to avoid surprises.What You’ll Hear:[00:40] What is a Global Package?[01:05] Step 1: Check Your Insurance Benefits for Maternity Care.[01:48] What to Do When Your Doctor’s Bill and Insurance Don’t Match.[02:45] Step 2: Understand What's Included vs. Not Included.[03:20] Step 3: Ask About Additional Hospital Fees.[03:55] Final Takeaways for Financial Planning.Want to Ask Melody? Visit: https://melodymulaik.com/ASK Don’t forget to subscribe so you won’t miss an episode. If you're expecting and have received a financial agreement from your OB-GYN for a "global billing package," this episode is a must-listen.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Choosing a health insurance plan can be one of the most confusing and stressful decisions you make all year. Whether you're aging off your parents' plan, starting a new job, or navigating open enrollment, that list of options can feel overwhelming.In the Take Care Together series, Melody Mulaik is joined by her daughter, Ashley, to break down the process from two different generational perspectives. They demystify the confusing jargon, explain the real-world differences between plan types, and give you a practical framework to help you stop guessing and confidently choose the plan that's actually right for your life and your finances.Featured Topics: Defines key financial terms like deductibles, copays, and co-insurance so you understand what you will actually pay.Explains the major differences between HMO and PPO plans, including the importance of networks and referrals.Melody and Ashley share their personal decision-making processes, balancing known health needs against potential "what-if" scenarios like hospitalization.What You’ll Hear:[00:02:00] Why is money for insurance already coming out of my paycheck?[00:06:00] Decoding the Dollars: What Do These Terms Mean?[00:11:00] In-Network vs. Out-of-Network. [00:13:00] The Big Decision: HMO vs. PPO[00:18:00] It's Personal: How We Choose Our Plans[00:25:00] Final TakeawaysWant to Ask Melody? Visit: https://takecarepod.com. Don’t forget to subscribe so you won’t miss an episode. If you're starting a new job, aging off your parents' plan, or just confused by terms like "deductible," "HMO," and "PPO," this episode is a must-listen.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Your doctor recommends an out-of-network specialist, leaving you with a critical question: Can you see them, and more importantly, what will it cost you? This episode tackles the financial stress and confusion that comes with going out-of-network. Melody breaks down the problem into a simple, two-part framework to help you understand your options and your financial responsibility before you make an appointment.Learn the exact steps to determine what your insurance will (or won't) cover, how to talk to the specialist's office about payment options, and how to avoid surprise bills. This practical guide empowers you to balance your health needs with your financial well-being.Featured Topics:Understanding the difference between being able to see a specialist and affording one.How to check your insurance plan for out-of-network benefits.What does it mean if your plan has no out-of-network coverage?How to negotiate as a "self-pay" patient.The common ways costs increase for out-of-network care include higher copayments and coinsurance.What You’ll Hear:[00:00] The Two-Part Question: Can I See Them vs. Should I See Them?[00:48] Step 1: Check Your Insurance Plan for Out-of-Network Coverage.[01:10] Scenario A: Your Plan Has NO Out-of-Network Coverage.[01:25] Proactive Tip: Talking to the Physician’s Office as a "Self-Pay" Patient.[01:54] Scenario B: Your Plan Has Out-of-Network Coverage.[02:30] Understanding Higher Financial Responsibility (Copays & Coinsurance).[03:15] Balancing Your Health with Your Financial Responsibilities.Want to Ask Melody? Visit: https://takecarepod.com Don’t forget to subscribe so you won’t miss an episode. If your doctor has ever recommended an out-of-network specialist and you've worried about the cost, this episode is a must-listen.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

When a loved one is sick, the last thing you want to stress about is which hospital will cost less. In this episode, Melody answers a question from a listener who struggles with this exact problem and lays out a simple, proactive plan you can follow before an emergency happens.Featured topics in this episode:The critical difference between "in-network" and "out-of-network" hospitals is that choosing the wrong one can significantly impact your final bill.How to understand your specific insurance costs for an emergency, from the initial ER co-payment to the potential fees for a hospital admission.An insider's tip on using the government-required "pricing transparency" data on hospital websites to compare costs before an emergency occurs.What You’ll Hear:[00:55] A listener's question about choosing a hospital during a family medical emergency while worrying about the potential cost.[02:00] Step 1: How to verify if a hospital is "in-network" with your insurance plan by checking either the insurer's or the hospital's website.[03:35] Step 2: Understanding your personal costs, including typical ER copayments and what you might owe if a patient is admitted.[05:15] Step 3: How to find and compare hospital pricing on their websites to see if one facility charges significantly more than another.[06:30] The importance of choosing in advance, so you are not making a financial decision under the stress of a medical crisis.[07:05] A special note on why financial concerns between hospitals are less of a factor for patients on Medicare.Want to Ask Melody? Visit: https://melodymulaik.com/ASK Don’t forget to subscribe so you won’t miss an episode. If you've ever worried about a surprise ER bill, this episode is a must-listen.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

That letter from your insurance company saying a hospital stay was "not medically necessary" is enough to cause panic. But before you pick up the phone, take a breath. In this episode, Melody Mulaik explains exactly why you shouldn't do anything at all.Learn why this letter is just the opening move in a negotiation between your hospital and your insurer, what the hospital is required to do next, and how your final bill is actually determined. This practical guide will help you stay calm and in control, ensuring you only pay what you truly owe.Featured topics in this episode:The true purpose of an insurance denial letter (and why it's not a bill).Why the hospital, not you, is responsible for providing justification.Understanding the difference between "Inpatient" and "Observation" status and how it impacts your wallet.A step-by-step guide on what to do (and what not to do) while you wait for a resolution.What You’ll Hear:[00:45] The Scenario: A denial letter arrives after a hospital stay.[01:45] Step 1: Why your first move is to do nothing.[02:15] The Hospital's Role: What happens behind the scenes to justify your care.[03:00] Your Financial Protection: Why you won't be billed for the full amount.[06:05] Insider Term: Understanding "Observation" vs. "Inpatient" status.[07:00] Final Steps: How to find out what you actually owe.Want to Ask Melody: https://melodymulaik.com/ASK Don’t forget to subscribe so you won’t miss an episode. If you've ever faced an insurance denial, this episode is a must-listen.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Learning that your insurance company won't approve a necessary surgery can be terrifying and frustrating. But a denial is rarely the final word. In this quick-hitting episode, host Melody Mulaik demystifies the insurance approval process and provides a clear, step-by-step action plan to fight back. Drawing on her extensive industry experience, Melody explains why denials happen, how to effectively partner with your physician's office, and the critical importance of documenting "medical necessity." This episode equips you with the tools and tenacity to challenge a denial and advocate for the care you deserve, turning a stressful "no" into a successful "approved."Featured Topics:Why an insurance company’s lack of approval is often a request for more information, not a final decision.The crucial role of "medical necessity" and how to prove it.Step-by-step instructions for navigating the approval process.How to effectively collaborate with your doctor's office to build a strong case.Tips for staying organized, persistent, and empowered throughout the process.What You’ll Hear:00:00 - Introduction: Why a "No" Isn't the Final Answer00:48 - Step 1: Understand Your Denial 01:55 - Step 2: Partner with Your Doctor's Office—Your #1 Ally03:20 - Step 3: The Appeal & The Power of Proving "Medical Necessity"04:50 - Persistence, External Reviews, and Final EncouragementWant to Ask Melody: https://melodymulaik.com/ASK Don’t forget to subscribe so you won’t miss an episode. If you've ever faced an insurance denial, this episode is a must-listen.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Your insurance company calls with a suggestion for where to get your MRI, but it's a place you've never heard of. Do you have to go there? Melody Mulaik breaks down why insurers guide patients to specific imaging centers, and it often comes down to cost. She explains that while these centers can be high-quality and save you money, you don’t have to sacrifice comfort or quality for savings. Melody provides a clear, step-by-step guide on how to research a recommended facility, what red flags to look for, and how to make the final decision that’s right for your health and your wallet.Featured Topics:Why insurance companies prefer freestanding imaging centers over hospitals.How to research the quality of a recommended imaging facility.Balancing out-of-pocket costs with the quality of medical equipment.Your right to choose where you receive medical care.Tune in to learn how to confidently question your insurer's recommendations and ensure you're getting high-quality care from a facility you trust.What You’ll Hear:00:00 - The Confusing Insurance Call00:45 - Why Insurers Steer Patients01:25 - Freestanding Centers vs. Hospitals01:55 - How to Do Your Own Research02:40 - Red Flags to Watch For03:05 - Asking the Right Questions03:20 - You Get the Final SayWant to Ask Melody: https://melodymulaik.com/ASK Don’t forget to subscribe so you won’t miss an episode, and let us know what topics or questions you need help with - we’re here to support you every step of the way!Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Have you ever had to cancel a doctor's appointment at the last minute because you were sick, only to receive a bill for a missed appointment fee? Melody Mulaik tackles this common frustration. She explains that while these policies are becoming more frequent to protect a doctor's schedule and revenue, you don't always have to pay the fee. Melody provides a clear, step-by-step guide on who to talk to, from the billing office to the physicians themselves, and exactly what to say to ask for the fee to be waived, especially when you have a legitimate reason like the flu.Featured Topics:Why physician practices charge fees for missed or canceled appointments.How to effectively communicate with the billing office to request a waiver.The right way to ask your physician to intervene and waive the fee.Why most practices will waive the fee at least once for patients.Tune in to learn how a simple phone call or message can save you from paying an unnecessary fee and help you navigate the "catch-22" of canceling when you're sick.What You’ll Hear: 00:00 - The Listener's Question: A $25 Missed Appointment Fee00:15 - Why These Fees Are Becoming Common00:45 - The "Catch-22" of Being Sick01:00 - Step 1: Call the Billing Office and Ask for a Waiver01:30 - Step 2: Ask Your Physician Directly via Portal or In-Person02:15 - The Business Reason Behind Cancellation Fees02:35 - Legitimate Reasons to Have a Fee Waived02:50 - Why Most Practices Are UnderstandingWant to Ask Melody: https://melodymulaik.com/ASK Don’t forget to subscribe so you won’t miss an episode, and let us know what topics or questions you need help with - we’re here to support you every step of the way.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Is there anything more frustrating than showing up on time for a doctor's appointment, only to spend the next hour in the waiting room? Host Melody Mulaik tackles this universal problem with practical, easy-to-implement strategies to help you get seen faster. Drawing on insider knowledge, Melody explains how simple shifts in scheduling, like knowing the "golden hours" to book, can dramatically reduce your wait. She also provides tips for communicating with both the scheduling staff and your doctor to make your visits more efficient and less stressful.Featured Topics:Why booking the first appointment of the day or right after lunch can save you timeHow to politely ask the scheduling staff for the best appointment slotsThe one time of day you should almost always avoid scheduling a visitUnderstanding how a doctor’s office really schedules patientsProductive ways to talk to your doctor about excessive wait timesTune in to learn how to take control of your schedule, reduce your waiting time, and make your next doctor’s visit a more positive experience.WHAT YOU’LL HEAR:00:00 - The Frustration of Waiting for the Doctor00:30 - Considering Your Own Schedule First01:05 - Strategy 1: Book the First Appointment of the Day01:50 - Strategy 2: Take the First Slot After Lunch02:15 - Ask About the Office's Scheduling Method02:45 - Strategy 3: Ask the Scheduler for Their Recommendation03:10 - Why You Should Avoid the Last Appointment of the Day03:45 - How to Talk to Your Doctor About Long Wait TimesWant to Ask Melody:https://melodymulaik.com/ASK Don’t forget to subscribe so you won’t miss an episode, and let us know what topics or questions you need help with - we’re here to support you every step of the way!Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

It’s a frustratingly common experience: your doctor is rushed, typing on a computer, and barely making eye contact, leaving you feeling unheard and intimidated. In this episode, Melody Mulaik tackles a listener's question “How to Get Your Doctor to Listen?” This happens too often in the modern electronic age, so Melody provides word-for-word scripts you can use to politely but firmly get the time and attention you need. Melody encourages you to advocate for yourself, reminding you that your appointment is for you, and you should never leave until your questions are answered.Featured Topics:Why doctors often seem rushed and distracted by their computersPolite scripts to use before your doctor leaves the roomHow to get the doctor to come back if they’ve already leftWhy you don’t need to feel like you’re inconveniencing your physicianThe importance of advocating for yourself to get the care you needTune in to learn how to turn a rushed, unsatisfying appointment into a productive conversation where you feel heard and your concerns are addressed.What You’ll Hear: 00:20 - A Common Challenge: The Rushed Doctor 00:50 - The Goal: Face-to-Face Time 01:05 - Strategy 1: The "Before You Go" Pause01:50 - Strategy 2: Asking Staff for the Doctor to Return02:10 - How to Politely Push Back02:45 - Don't Leave Until Your Questions are Answered03:20 - Your Cue: "Is There Anything Else I Can Do for You?"03:35 - Mindset Shift: You Are Not an InconvenienceWant to Ask Melody: https://takecarepod.com/ASK Don’t forget to subscribe so you won’t miss an episode, and let us know what topics or questions you need help with - we’re here to support you every step of the way!Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Have you ever been told it will be three to four months before you can see a specialist? When you're dealing with a health issue, waiting is the last thing you want to do. Melody Mulaik provides a clear, four-step strategy for securing a doctor's appointment as quickly as possible. From leveraging online portals and waitlists to knowing who to call and, as a last resort, showing up in person, you'll learn how to advocate for yourself effectively and politely. These practical tactics can help you navigate the system and get the timely care you deserve.What You’ll Hear:[00:00:00] The common frustration of long wait times for doctor appointments.[00:00:58] Strategy 1: Why you should always check the online scheduling portal first.[00:01:35] Strategy 2: How to effectively speak with schedulers, be flexible with locations, and ask for the waitlist.[00:03:31] Strategy 3: The importance of contacting the physician’s nurse or PA directly and what to say.[00:04:54] Strategy 4: The "nuclear option"—when and how to show up at the office in person.[00:05:48] The Golden Rule: Why being polite and professional is your most powerful tool.Key Takeaways:Check Online First: Many practices have online scheduling portals where last-minute cancellations can open up surprisingly early appointments.Be Flexible: When calling for an appointment, being willing to visit a different office location can significantly shorten your wait time.Use the Waitlist: Always ask to be put on a cancellation waitlist. Patients cancel all the time, and this is a common way to get seen sooner.Go to the Source: If you're not getting an appointment soon enough, leave a polite and detailed message for the doctor's nurse, nurse practitioner, or physician assistant explaining your situation and who referred you.Politeness is Key: Throughout every interaction, from the scheduler to the nurse, remaining calm, professional, and polite will make staff more willing to help you.Topics Covered:A four-step strategy to get a doctor's appointment faster.How to leverage online portals for last-minute openings.The right way to talk to a scheduler to find the earliest available slot.A script for leaving an effective message with a doctor's clinical staff.When and how to use the "nuclear option" of showing up in person.Being kind and professional is your greatest asset in advocating for your health. Want to Ask Melody: https://takecarepod.com/ASK Don’t forget to subscribe so you won’t miss an episode, and let us know what topics or questions you need help with - we’re here to support you every step of the way!Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

When a loved one is admitted to the hospital, it can feel chaotic and disorganized, leaving you wondering who is actually in charge of their care. Melody Mulaik answers a listener's question about how to identify the lead physician coordinating her brother's care after a car accident. She demystifies the modern hospital structure, explaining the crucial role of the "hospitalist" group in admitting patients and managing their overall treatment plan. You'll learn a clear, step-by-step process for getting the information you need, communicating effectively with staff, and advocating for your family member with confidence.Featured Topics:What is a "hospitalist" is and why they are key to care coordinationHow to find out who the admitting physician and their group areThe right way to request a conversation with the coordinating doctorWhat to do if you feel staff are unresponsive (and how to escalate to the charge nurse)Tune in to learn how to identify the central point of contact for a hospitalized loved one, ensuring you can ask the right questions and get the answers you need to advocate effectively.What You’ll Hear:00:00 - The Challenge: Who is coordinating care?00:55 - The Modern Admitting Process: The Hospitalist Group01:30 - Step 1: Identify the admitting physician and their group02:05 - Step 2: How to request a conversation with the doctor02:50 - What to do if you get resistance from staff03:45 - The hospitalist’s role in coordinating with specialists04:45 - Final advice on advocating for your family memberWant to Ask Melody: https://takecarepod.com/ASK Don’t forget to subscribe so you won’t miss an episode, and let us know what topics or questions you need help with - we’re here to support you every step of the way!Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

It’s one of the most frustrating healthcare experiences: you think you’ve settled all the costs from a procedure, and then months later, another bill appears out of nowhere. Do you have to pay for it? In this episode, Melody Mulaik tackles this common question by introducing the critical concept of "timely filing." She explains that providers have a contractual deadline to submit bills to your insurance, and if they miss it, you may not be responsible for the cost. Learn the simple research step you must take before paying any late medical bill to see if the financial obligation is actually yours.Featured Topics:What is "timely filing" and why does it matter for patientsHow to use your insurance company's website to investigate a late billThe difference between a valid patient responsibility and a provider errorWhat happens when an insurer denies a claim because it was filed too lateTune in to learn how to determine your actual responsibility for a delayed bill and empower yourself against paying for a provider’s administrative mistake.What You’ll Hear: 00:00 - The frustration of a surprise, late medical bill00:35 - The first step: Research before you pay00:55 - Understanding the "timely filing" rule for providers01:25 - How to check if your insurance paid the claim01:50 - When you ARE obligated to pay the bill01:58 - When you ARE NOT obligated to pay the bill02:20 - Why a late filing is the provider's responsibility, not yoursWant to Ask Melody: https://takecarepod.com/ASK Don’t forget to subscribe so you won’t miss an episode, and let us know what topics or questions you need help with - we’re here to support you every step of the way.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

What do you do when you need to see your physician today, but your doctor’s office has no available appointments? For non-life-threatening illnesses like a sinus or ear infection, waiting isn't an option. In this episode, Melody Mulaik lays out a clear, four-step strategy to get the timely care you need. From leveraging technology for virtual visits through your provider or insurance company to knowing when and how to use urgent care, Melody provides a practical guide to your same-day healthcare options, ensuring you know where to turn when your primary care physician isn't available.Featured Topics:Why virtual visits are your first and most convenient optionHow your health insurance company can connect you with a provider quicklyNavigating third-party online visit services and potential costsThe role of urgent care and how to schedule appointments to avoid long waitsWhy the emergency room should always be your last resort for non-emergenciesTune in to learn the four go-to options for getting medical care today, so you can feel better faster without the stress of finding an appointment.What You’ll Hear:00:00 - The Problem: You're Sick, No Appointments Available01:00 - Option 1: Your Provider's Virtual Visit Portal01:30 - Option 2: Your Insurance Company's Website02:30 - Option 3: Third-Party Online Visit Services03:00 - Option 4: Urgent Care Clinics03:50 - Last Resort: The Emergency Room04:05 - Recap: You Always Have a Way to Get CareWant to Ask Melody: https://takecarepod.com/ASK Don’t forget to subscribe so you won’t miss an episode, and let us know what topics or questions you need help with - we’re here to support you every step of the way.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

After a trip to the emergency room, the last thing you want is a confusing stack of bills. Host Melody Mulaik tackles a common question from a neighbor: Why did one ER visit generate multiple separate bills? Melody breaks down the different entities involved in your care from the hospital itself to the various physicians and explains why each one bills separately for their distinct services. This episode clarifies the difference between facility charges and professional fees, helping you understand what you’re paying for so you can verify that every bill is accurate.Featured Topics:Why does the hospital (facility) and the ER doctor (professional) send separate billsHow specialists like radiologists or gastroenterologists also bill independentlyWhat facility fees cover versus what physician fees coverWhy academic or university medical centers might be the exception and send a single billOther potential charges to expect, like an ambulance billWhat You’ll Hear:00:00 - Introduction: A neighbor's question about multiple ER bills00:35 - Facility vs. Physician Billing Explained01:15 - Why You Might Get More Than Two Bills01:30 - Bills from Radiologists and Other Specialists02:05 - The Exception: University and Academic Hospitals02:20 - Don't Forget the Ambulance Bill02:45 - It's Normal, But Always Review Your BillsWant to Ask Melody: https://takecarepod.com/ASK Don’t forget to subscribe so you won’t miss an episode, and let us know what topics or questions you need help with - we’re here to support you every step of the way.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

When an aging parent starts forgetting to share key details with their doctor, it can be stressful for the whole family. Melody Mulaik provides a compassionate and practical roadmap for adult children who want to step in and help. She tackles the challenge of how to be an effective advocate while still respecting your parents' autonomy. Melody walks through the essential first steps, from having an open conversation about their needs to the critical legal step of getting permission to access their medical records. You'll learn how to prepare for appointments to make them as effective as possible and how to ensure all the important information is captured and understood.Topics Covered with Timestamps:[00:00:00] The common challenge: What to do when a parent forgets to share important information with their doctor.[00:01:00] The first step: Have a conversation with your parent to build trust and understand the support they feel they need.[00:01:45] Why you should keep a dedicated health journal with your medications and conditions.[00:02:20] The crucial step: How to get formally added to your parents' medical record to gain access to their information.[00:03:00] Why being a family member doesn't grant you automatic access to medical records due to privacy laws.[00:04:00] How to prepare for appointments by creating a list of concerns to make the visit more impactful.[00:05:00] The importance of reviewing the after-visit summary to recap the appointment and confirm next steps.Key Takeaways:Start by having a respectful conversation with your parent about what level of support they are comfortable with.Keep an organized journal, either digital or handwritten, with a current list of their medications and health conditions.You must have your parent give their doctor's office permission to add you to their record; being a family member does not automatically grant you access to their confidential information.Prepare for every appointment by working with your parent to create a written list of questions, symptoms, and concerns to share with the physician.Always review the after-visit summary or printout to ensure all issues were addressed and you have a clear record of the visit.Practical Advice: Work with your parent to formally request that you be added to their record as someone who can receive their medical information. This single step is crucial for you to be an effective advocate on their behalf. Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Finding a great doctor can feel like a daunting task, but it doesn't have to be. Melody Mulaik redefines what "best doctor" means, moving beyond simple factors like proximity and personality to focus on expertise, reputation, and credentials. She shares practical strategies for building your own list of potential physicians, from asking the right questions to friends and family to leveraging your current doctor's professional network. Melody also explains the importance of doing your own research to vet a provider's background, and why preparing a list of specialists before you need them can save you a lot of stress.Topics Covered with Timestamps:[00:00:05] What "best doctor" means and how to define your own criteria.[00:01:00] The importance of proactive research for specialists.[00:01:30] How to get quality referrals from friends and family.[00:03:30] The right way to ask your current doctor for a recommendation.[00:04:30] How to research a doctor's professional footprint online.[00:05:00] Why the number one specialist isn't always necessary.[00:05:30] Balancing factors like proximity, reputation, and experience.Key Takeaways:Define what a "best doctor" means to you, considering your specific needs and priorities.Don't wait until a health crisis to find a specialist; create a list of potential doctors ahead of time.When asking for recommendations, dig deeper than personality. Ask if a doctor is board-certified, respected, and experienced with critical health issues.Ask your own physician who they would recommend for a specialist for themselves or their family to get a candid referral.Always do your own research online to confirm a doctor's credentials, experience, and professional reputation.Practical Advice: When seeking a new doctor, start by gathering recommendations from friends, family, and even other physicians. Ask specific questions about their experience and the doctor's credentials. Then, use that information to do your own online research to confirm the doctor's expertise, reputation, and board certifications.Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Receiving a bill from your doctor or hospital before a claim appears on your insurance website can be frustrating and confusing. Melody Mulaik explains What to Do When Your Doctor Bills You Before Submitting a Bill to Your Insurance? Why this happens, how often these billing errors occur, and the best steps to resolve them. She details how to check your insurer’s portal, contact the billing office, and ensure your information is up to date. Melody also covers typical reasons for delayed or missed submissions, especially when multiple providers like anesthesiologists and radiologists are involved. Listeners will gain clear practical guidance for dealing with missing claims and understand why patience is key as billing cycles play out.Topics Covered with Timestamps: [00:00:05] What it means when a bill does not appear on your insurance website[00:01:00] Common causes of missed or delayed insurance submissions[00:01:30] How to contact the billing office and what information you need[00:02:20] Why some providers are more prone to billing mix-ups[00:03:00] How long does it take for corrections to process in billing systems[00:03:35] When to follow up before paying a billKey Takeaways:Always check your insurance company’s website to verify a claim before paying a medical billCall the billing number listed on your statement and have your insurance card readyIf no claim appears, ask the billing office to submit or resubmit to your insuranceAllow up to 30 days for billing systems to update and for a corrected bill to be issuedConfirm the claim appears with your insurer before making a paymentPractical AdviceWhen you spot a billing issue, confirm details with both your insurer and the provider’s billing office. Document your calls and stay patient as the system updates. Address billing errors within the 30-day cycle for best results. Resources Mentioned:Melody’s Website https://melodymulaik.com Connect on LinkedIn https://linkedin.com/in/melodymulaik Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

The flood of paperwork after a doctor's visit or hospital stay can be incredibly stressful. How do you know what's a real bill versus just an update? Host Melody Mulaik walks through how to tell “Is this a bill?” So that you can figure out your medical paperwork, what to pay and when. She explains the difference between a "this is not a bill" notice and an actual bill, and walks you through the single most important step you must take before ever paying a provider: verifying the charge with your insurance company. Learn how to log into your insurer's portal, compare the provider's bill with your insurance company's processed claim, and feel confident that you're only paying what you truly owe.Topics Covered with Timestamps:[00:00:05] The stress and confusion caused by post-visit medical paperwork.[00:00:55] What a "this is not a bill" notice really is and why you're receiving it.[00:01:18] Why you should always review "not a bill" notices for accuracy.[00:01:55] The transition from a notice to an actual bill and what it signifies.[00:02:25] The crucial first step to take before paying any medical bill.[00:02:45] How to use your insurance company's website to check claims.[00:03:15] An example of how insurance payments are calculated (billed vs. allowed amounts).[00:03:50] How to get the final validation you need to confidently pay your bill.Key Takeaways:A notice that says "this is not a bill" is for your information, showing you what the provider has billed your insurance company. You should review it to ensure the date and services are correct.An actual bill means the provider has already communicated with your insurance company, which has determined your portion of the cost.Before paying any bill, always log into your insurance company's website and compare the provider's bill to the processed claim information.Your insurance portal will show you what the provider billed, what your insurer "allowed" based on their contract, what they paid, and what your remaining responsibility is.If the amount on the bill matches the patient responsibility shown on your insurance company's website, you can pay it with confidence.Practical Advice: When you receive a medical bill, do not pay it immediately. First, log in to your insurance company's online portal and find the corresponding claim for that date of service. Compare the amount the insurer says you owe with the amount on the bill. If they match, you can proceed with payment.Resources Mentioned:Melody’s Website https://melodymulaik.com Connect on LinkedIn https://linkedin.com/in/melodymulaik Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

When a loved one is admitted to the hospital, it can feel chaotic and disorganized, leaving you wondering who is actually in charge of their care. Melody Mulaik answers a listener's question about how to identify the lead physician coordinating her brother's care after a car accident. She demystifies the modern hospital structure, explaining the crucial role of the "hospitalist" group in admitting patients and managing their overall treatment plan. You'll learn a clear, step-by-step process for getting the information you need, communicating effectively with staff, and advocating for your family member with confidence.Featured Topics:What is a "hospitalist" is and why they are key to care coordinationHow to find out who the admitting physician and their group areThe right way to request a conversation with the coordinating doctorWhat to do if you feel staff are unresponsive (and how to escalate to the charge nurse)Tune in to learn how to identify the central point of contact for a hospitalized loved one, ensuring you can ask the right questions and get the answers you need to advocate effectively.What You’ll Hear:00:00 - The Challenge: Who is coordinating care?00:55 - The Modern Admitting Process: The Hospitalist Group01:30 - Step 1: Identify the admitting physician and their group02:05 - Step 2: How to request a conversation with the doctor02:50 - What to do if you get resistance from staff03:45 - The hospitalist’s role in coordinating with specialists04:45 - Final advice on advocating for your family memberWant to Ask Melody: https://takecarepod.com/ASK Don’t forget to subscribe so you won’t miss an episode, and let us know what topics or questions you need help with - we’re here to support you every step of the way!Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.

Welcome to the Take Care Podcast! Frustrated by how difficult it is for people to navigate the complicated healthcare system, host Melody Mulaik launched the Take Care podcast to empower listeners with the knowledge and resources they need to better navigate their healthcare. Drawing on over 30 years of experience in the industry, Melody pulls back the curtain on the confusing world of healthcare - from finding the right doctor to interpreting medical bills - and provides practical tips to help you advocate for yourself and your loved ones. Melody shares the inspiration behind starting the podcast and how you can depend on her to offer direct, accurate information, tools, and support so you can confidently tackle any healthcare hurdle that comes your way.Featured Topics:Why people struggle with access to great care and paying for itHow to reduce stress and confusion by gaining healthcare knowledgeStrategies for effective self-advocacy in healthcareWhat The Take Care Podcast offers: practical advice, tools, and listener-driven contentTune in to learn how to take charge of your healthcare journey, get direct and accurate information, and partner with Melody as she answers your pressing questions and addresses real-life challenges in healthcare.What You’ll Hear: 00:00 - Introduction: Why Start This Podcast? 00:20 - The Universal Struggle with Healthcare 00:49 - Gaining Knowledge and Tools 01:19 - Recognizing the Strengths of U.S. Healthcare01:38 - Sharing 30 Years of Industry Experience 02:15 - What to Expect from the Podcast 02:39 - An Interactive Journey03:01 - Final Encouragement Want to Ask Melody: https://takecarepod.com/ASK Don’t forget to subscribe so you won’t miss an episode, and let us know what topics or questions you need help with - we’re here to support you every step of the way!Take Your Healthcare Advocacy FurtherNavigating the healthcare system doesn't have to be a solo journey. For deeper dives into the topics we discuss on the show, plus exclusive "insider" tips delivered straight to your feed, subscribe to Take Care Newsletter.Subscribe to the Take Care Newsletter Connect With Melody on LinkedInGot a Healthcare Question? Ask Melody Now.