Somewhere in the pile is an explanation of benefits you have read three times without deciding whether it is a bill. That is the first sign the insurance paperwork is a job, not a chore you can squeeze in between errands. Before you choose between doing it yourself and hiring someone, count what the job really is.
Local option: New Plan Care gives families in the St. Louis area in-home help so a parent can stay home: companionship, help with bathing and dressing, meals, and overnight care. Call (314) 405-0887.
Count the work before you price the help
Write down every open item from the last few months: bills that arrived, statements that do not match, claims you think were filed, and letters asking for more information. For each one, note who called, what they asked for, and whether anyone followed up. A list of five items with clear answers is a weekend job. A list of twenty items, with conflicting answers from three offices, is a different job and deserves a different plan.
What you can handle yourself
You can usually request copies of statements, keep a call log with the date, the name of the person you spoke with, and any reference number, and send documents in a way you can prove you sent. Keep a folder in order with the plan card, the provider list, and each explanation of benefits. If your mom is able to sign, ask her insurer which authorization form it uses and whether that form must be on file before you can speak for her.
When a hired advocate is worth a look
An advocate is worth comparing when the open items keep growing, when a denial needs a formal appeal with medical records attached, or when the calls keep going in circles. Ask each advocate what they do, what they do not do, how they bill, and whether you will see the work before it goes out. Ask for the total you should expect to pay, including every fee, and get it in writing. Be careful with anyone who asks for your mom's full login or wants you to sign something you have not read.
Draw the line before anyone starts
Decide what the advocate owns, what you still own, and who answers the insurer's phone. Agree on how often you will review what was done. If the arrangement does not feel right after a few months, you can bring the work back in-house and keep your log going. The goal is simple: someone always knows where every claim stands, and it is not only you at 11 at night.
For local people who can help you talk through your options, see Local help.