I need help with my health insurance.
Denied claim, confusing bill, or medical debt? Start here.
Don't navigate the healthcare maze alone.
When a medical bill or insurance denial doesn't make sense, you don't have to fight it alone.
Understanding Benefits. Resolving Bills. Advocating for You.
20–30 minutes · No obligation
Hampton Roads and Southern Virginia
Why clients choose Coastal
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Experienced 22 years of healthcare billing and insurance experience
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Independent Works for you, not the insurer or provider
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Transparent Clear pricing before paid work begins
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Human You work directly with Lindsey
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Private Sensitive information handled through secure channels
I'm helping someone else.
For a parent, spouse, family member, or professional client.
Professional referrals: Refer a client
What is a healthcare advocate?
A healthcare advocate works for you—not the hospital or insurance company. Lindsey uses 22 years of experience inside healthcare billing to help you understand your bills, benefits, and denied claims.
What we do
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Review
Bills, EOBs, and plan documents.
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Resolve
Billing errors, denials, and insurance issues.
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Advocate
Calls, appeals, negotiations, and follow-up.
You keep every decision.
We handle the paperwork, phone calls, and follow-up.
Before
On your own
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A confusing bill
Codes and charges that don't match what you remember.
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A denial letter
Your insurer said no, and the letter doesn't say what to do next.
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Phone calls
Hours on hold, passed between departments, starting over each time.
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Insurance terminology
Deductibles, coinsurance, prior authorization: a language of its own.
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Multiple providers
Separate bills from the hospital, the doctors, and the lab.
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Uncertainty
Not knowing what you really owe, or whether to pay it.
After
With Coastal Healthcare Advocates
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We review the documents
Every bill, EOB, and plan document, line by line.
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We identify the problem
A billing error, a coding mistake, or the real reason for a denial.
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We contact the right parties
Your insurer, the billing office, and your providers, on your behalf.
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We file appeals
Evidence-backed appeals that cite your plan's own rules.
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We negotiate when it makes sense
Corrected charges, a lower balance, or a payment plan you can manage.
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We follow up
Through every reply and appeal level, so nothing stalls.
Services
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Denied claims overturned
We gather supporting records, prepare an evidence-backed appeal, and follow it through every review level until it's resolved.
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Get your medical bill lowered
We contact the provider directly, get inflated balances and errors reduced, and set up a payment plan you can actually afford.
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Medical Bill & EOB Review
We compare your bill, EOB, and itemized statement line by line to catch duplicate charges, coding errors, and charges that don't match your care.
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Medicare or Medicaid claims handled
We explain what Medicare or Medicaid covers in plain language, file and follow up on claims, and handle denials and appeals on your behalf.
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Get relief from medical debt
We find charity-care and financial-assistance programs you qualify for, dispute balances sent to collections, and organize your medical debt into a workable plan.
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Services for professionals
Claims and billing support for clients referred by attorneys, care managers, financial planners, and clinicians, with updates to your office as the case moves.
Who we help
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Individuals and families
Facing a new diagnosis, a denied claim, or medical debt, and wanting one person who can see the whole picture.
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Seniors on Medicare
Help with coverage, supplemental plans, and Medicare or Medicaid denials.
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Caregivers and relatives
Managing this for a parent or loved one. We keep the whole family in the loop.
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Professional referrers
Attorneys, care managers, and clinicians who need a dependable advocate for the clients they send. Referring a client
Lindsey Hewitt
Lindsey Hewitt brings 22 years of experience in medical billing, insurance claims, and accounts receivable to her work as a healthcare advocate. She spent those years on the other side of the table, working for hospitals and health systems. Now she uses what she learned there for patients and families.
Lindsey worked directly with insurance claims and medical collections for major healthcare systems, including Sentara Health Systems, the Medical College of Virginia, the University of Virginia and affiliates, Chesapeake Regional Medical Center, and Bon Secours Maryview Medical Center. Her daily work included verifying patient eligibility, tracking denials and payment delays, correcting billing and coding errors, and writing detailed, evidence-backed appeals for denied claims. Most patients meet that same work for the first time, on their own, after a diagnosis or a denial letter.
Before entering healthcare, Lindsey spent nearly five years as a Deputy Clerk of Court, filing and managing civil, criminal, and family court cases. The job sharpened her case management, her precision with procedure, and her persistence in moving a complicated file through a slow system. She brings the same skills to advocacy.
Lindsey is a Certified Professional Collection Specialist, a credential that covers Fair Debt Collection Practices Act (FDCPA) compliance. She is also a Virginia Certified Mediator and a Notary Public, and she has trained, coached, and quality-assured teams of collection specialists. That work gave her a practiced eye for where a claim or a bill has gone wrong and how to fix it.
Lindsey understands both sides of the insurance and billing process: how claims are supposed to work, and everywhere they tend to break down.
Lindsey's credentials
- Experience
- 22 years in medical billing, insurance claims, and accounts receivable
- Health systems
- Sentara · Medical College of Virginia · University of Virginia and affiliates · Chesapeake Regional · Bon Secours Maryview
- Certifications
- Certified Professional Collection Specialist (FDCPA) · Virginia Certified Mediator · Notary Public
- Prior role
- Deputy Clerk of Court, nearly five years
- Based in
- Virginia Beach, Virginia
Why human advocacy matters
Healthcare problems rarely fit a template.
- We communicate directly with insurers and providers.
- We adapt as the case develops.
- We manage follow-up over time.
- You have a person accountable to you.
Your records are handled through secure, HIPAA-aware processes.
Four steps, at your pace
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01
Free consultation
Tell Lindsey what's happening. She'll tell you honestly whether she can help.
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02
Document collection
We gather the bills, EOBs, denial letters, and plan documents that matter.
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03
Review and action plan
You receive a written plan outlining the steps, timeline, and cost.
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04
Negotiation and follow-up
We make the calls, send the appeals, and keep you updated until the issue is resolved.
What a line-by-line review looks for
A sample hospital statement, marked the way we review a real one. The patient, codes, and amounts are made up for illustration.
Statement of services
Sample
| Code | Description | Charge |
|---|---|---|
| 99285 | Emergency visit, level 5 (marked: see note 1) | $1,960.00 |
| 85025 | Blood count (CBC) | $86.00 |
| 71046 | Chest X-ray, 2 views | $412.00 |
| 96374 | IV medication, push (marked: see note 2) | $318.00 |
| 80053 | Metabolic panel | $148.00 |
| 85025 | Blood count (CBC) (marked: see note 3) | $86.00 |
| Total charges | $3,010.00 | |
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$1,960 emergency visit
Does the billing level match the care provided?
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$318 medication charge
Was the medication actually administered?
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$86 duplicate charge
Two identical CBC charges on the same date.
Errors like these are easy to miss. Lindsey catches them on statements every week.
Straightforward pricing
Coastal Healthcare Advocates helps you understand medical bills, resolve insurance issues, and get the most out of your benefits.
You don't have to guess. After your free consultation, we'll tell you what we recommend, how much it will cost, and what you can expect us to do.
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Start here
A 20–30 minute call
Free
A phone or video consultation to talk through your situation and the best way to help.
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One-time help
A bill, an appeal, or a negotiation
From $75
A flat fee for one piece of work: a bill review, a claim appeal, a provider negotiation, or a benefits session.
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Complex case
Hourly advocacy
$85 / hour
For cases that don't fit a flat fee, billed in 15-minute increments.
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Ongoing help
Monthly support
$375 / month
Up to 5 hours a month for anyone managing several bills or claims at once.
You'll get a written agreement outlining fees before any paid work begins.
About advocacy
What does a healthcare advocate do?
We work on your side with insurers and billing offices: explaining your plan and bills, appealing denials, negotiating balances, and finding financial assistance. We don't give medical or legal advice.
What can you help with?
Claim denials and appeals, medical bill negotiation, EOB review, Medicare and Medicaid claims support, and debt-resolution or financial-assistance referrals. We also work with doctors' offices and other professionals on behalf of their clients. The full list is under Services.
What don't you do?
We don't diagnose, treat, or give medical or legal advice, since we're not doctors or attorneys. Our work stays on insurance and billing: paperwork, appeals, and negotiating what you owe. When you need a doctor or lawyer, we'll say so and help you find one.
Cost
What does it cost?
The first consultation is free. Most one-time work is a flat fee between $75 and $300; larger cases run $85 an hour; monthly support is $375. Full pricing is on the pricing page. You'll get a written agreement before any paid work begins.
Do you charge hourly?
Only for complex, ongoing cases, billed at $85 an hour in 15-minute increments. Most single-issue work, like an appeal or a bill review, is a flat fee instead, so you know the cost before we start.
Do you offer packages?
Yes. The Single-Issue Package covers up to 3 hours on one bill, claim, or denial for $225. If you're managing several at once, the Monthly Support Plan covers up to 5 hours a month for $375. Details are on the pricing page.
My situation
My claim was denied. Can you still help?
Yes. Many denials come from a coding error, a missing document, or a plan rule applied the wrong way, and those can be appealed. Send us the denial letter and your EOB, and we'll tell you honestly whether an appeal is worth pursuing.
I'm helping my spouse or parent. Can I hire you on their behalf?
Yes. With their permission, Lindsey can work with both of you and keep the family in the loop. Insurers and providers usually need the patient's written authorization first, and we'll help with that paperwork. If you're paying for someone else's advocacy, the fee agreement covers that too.
How long does it take?
It depends on the problem and how quickly insurers and providers respond; some appeals move through several review levels. Your written action plan includes a likely timeline.
Privacy
Is my information confidential?
Yes. We follow HIPAA privacy standards, and your health and financial information stays confidential. We never sell it or share it for marketing. Our Privacy Notice explains how we store, transmit, and dispose of your records.
How do you handle my health information?
We treat anything you share as protected health information, handled under HIPAA-aware practices. We only request what a claim or bill actually requires, only contact your insurer or provider with your written authorization, and never share your records for marketing or outside the case without your consent. Storage and retention details are in the Privacy Notice.
Start with a free consultation
Send a short message, and Lindsey will respond within two business days. We won't ask for any health details yet.
Thanks! Your message is on its way.
Lindsey will reply within two business days. If it's urgent, call us (Monday–Friday, 8:00 AM–5:00 PM ET). You'll also get an automatic email confirming we received this.
Book a free 20–30 minute call
No obligation, just a conversation. Get out of the insurance maze.
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