Gabrielle Fafard

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Gabrielle Fafard Health Advisor licensed in 36 states. Securing better coverage for families and businesses!

10/12/2026

SOME MEDICAL BILLS AREN’T EVEN LEGAL. 👀🚨 

Imagine having surgery at an IN-NETWORK hospital… only to get a massive bill from a doctor you never even chose.

Here’s what you NEED to know. 👇
Under the No Surprises Act, you generally cannot be charged an extra out-of-network balance when an out-of-network doctor, like an assistant surgeon or anesthesiologist, treats you at a qualifying in-network hospital.

You can still owe your normal in-network deductible, copay, or coinsurance. But that extra out-of-network balance? NOT YOUR RESPONSIBILITY. 🙅‍♀️

🚨 IF THIS HAPPENS TO YOU:
1️⃣ Compare your medical bill with your insurance Explanation of Benefits (EOB).
2️⃣ Call your insurance company and say: “I need this claim reviewed under the No Surprises Act.”
3️⃣ Contact the doctor’s billing office and dispute the extra out-of-network balance.
4️⃣ If it’s not resolved, contact the No Surprises Help Desk: 1-800-985-3059.

🔗 Learn your rights or file a complaint:
https://www.cms.gov/medical-bill-rights

📌 SAVE THIS POST. You never know when you or someone you love might need it.

📤 SHARE THIS with someone who thinks every medical bill has to be paid as is.

10/11/2026

Making too much money to qualify for health insurance subsidies? Read this 👇🏻

If you’re generally healthy, you may qualify for private health insurance that is based in your medical history, not your income. These plans can come with:

💰 Lower monthly premiums

🏥 Lower deductibles

🌎 Nationwide PPO networks

📈 Rates NOT based on your income

💼 Potential tax write-offs for business owners

I recently quoted a family of four a private option that was over $700 LESS per month than their Marketplace quote. Not only that, but it came with a lower deductible and PPO network.

Not everyone qualifies, but you won’t know what’s available until you check.

💬 Comment PRIVATE and I’ll help you see if you qualify for the best private plans in your state Video credits: Chloe Kindred

10/08/2026

Insurance denied your claim? Don’t just accept it. 👀

Sometimes the denial happens because something is missing — medical records, prior authorization paperwork, or information from your doctor.

Instead of asking them to “review it again,” ask:

“What exactly needs to be submitted for this claim to be approved?”

Now you know what needs to be fixed before you appeal.

📌 SAVE THIS in case you ever need it and follow for daily health insurance hacks

10/06/2026

This family was throwing away $799 every month. 😳

Healthy family of 4. Barely used their insurance. Still paying $1,742/month on the marketplace because they made too much for subsidies.

High deductibles. High max out-of-pocket. Full price😅

But heres what nobody told you👀
Because they’re healthy, they qualified for a private plan that qualifies you based on your medical history.

So they got:
✅New premium: $943/month.
✅Lower deductible.
✅Lower max out-of-pocket
✅PPO network.
Almost $10,000 back in their pocket every YEAR

If you’re healthy and paying full price, you could be overpaying too.
Comment “HEALTHY” and I’ll reach out personally 👇

10/05/2026

What if I told you that being healthy qualifies you for lower health insurance rates and better coverage?👀

Marketplace is fantastic for people with major pre existing conditions and lower incomes. If you’re healthy and dont qualify for a subsidy it can feel like you’re being robbed.

There are plans SPECIFICALLY designed for people like YOU through the private market that offer

✅ 30-40% saving on your premium
✅ Lower deductibles
✅ Lower max out of pockets
✅PPOs

Open enrollment is less than 30 days away. DM or comment me “HEALTHY” and ill see if you qualify

10/05/2026

What if being healthy could actually SAVE you money on health insurance? 👀

If you don’t qualify for much of a Marketplace subsidy, those premiums can get painful FAST.

But there are private health plans specifically designed for healthier individuals and families.

If you qualify, you may get:

✅ Lower monthly premiums
✅ Lower deductibles
✅ Lower max out-of-pocket
✅ PPO network options

Marketplace coverage is great for many people, especially those with pre-existing conditions or who qualify for subsidies.

But if you’re healthy? You may have options you didn’t even know existed.

Open Enrollment is less than 30 days away 👀

DM me “HEALTHY” and I’ll see if you qualify.

10/05/2026

What if I told you that being healthy qualifies you for lower health insurance rates and better coverage?👀

Marketplace is fantastic for people with major pre existing conditions and lower incomes. If you’re healthy and dont qualify for a subsidy it can feel like you’re being robbed.

There are plans SPECIFICALLY designed for people like YOU through the private market that are based on your medical history. They offer things like:

✅ 30-40% saving on your premium
✅ Lower deductibles
✅ Lower max out of pockets
✅PPOs

Open enrollment is less than 30 days away. DM me “HEALTHY” and ill see if you qualify

10/03/2026

Claim denied? Heres what you do👇🏻

1. File a formal appeal

2. Still denied? Request an external review. This is when an outside party decides, and insurance typically has to follow it.

You have a lot more power than you think!

📌 Save this for when you need it and follow along for daily health insurance hacks

10/02/2026

Insurance hopes you never learn this👀👇🏻

When insurance denies your treatment most people just accept it.

But heres what they dont want you go know. You have a lot more power than you think👀

Your doctor can request a “peer-to-peer review” your doctor will get on the phone directly with the insurance company’s medical director and fights the denial for you

A lot of denials get over turned. Most people never know to ask for it. Call your doctor and ask - “can you request a peer-to-peer review for my denials?”

Did you know about this? Drop it below!

10/01/2026

Imagine trusting an agent just for them to take advantage of you.. and you get stuck with a $45,000 bill🙃

This is exactly what happened to a woman I spoke to. She was sold a cheap plan, he lied about the benefits and when she had a medical emergency she found out there was no max out of pocket MEANING theres no cap as to what she could owe.

Before you sign up for anything make sure you know these details. Open enrollment is right around the corner so if you need help comparing options DM or email me!

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Weston, FL

Telephone

+16032335480

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