Schroeder & Mandel an Injury Law Firm

02/25/2026

Insurance coverage doesn’t always work the way people expect. ❌

A recent Minnesota Star Tribune article highlighted a new report showing that some major insurers, including UnitedHealth Group and two Blue Cross Blue Shield plans, had some of the highest rates of claim denials among Affordable Care Act health plans in 2023, with insurers denying nearly 1 out of every 5 in-network claims sold on the federal marketplace.

When legitimate care is denied, injured Minnesotans can be left facing delayed treatment, mounting bills and pressure to pay out of pocket—even for in-network care they assumed would be covered.

That’s why having someone in your corner after a serious injury matters. Knowing how to challenge denials and pursue full compensation can help protect both your health and financial future. If you have questions about insurance denials, get in touch with Schroeder & Mandel. We’re on your side.

Read the full Star Tribune article: https://www.startribune.com/unitedhealth-group-two-blues-plans-had-highest-denial-rates-for-aca-health-plans-in-2023/601212605

02/16/2026

An ambulance ride can save your life, but it can also come with a shocking bill. 🚑💵

Across the country, states are starting to crack down on exorbitant ambulance charges, especially when patients are taken by out-of-network providers. Even with health insurance, many people are surprised to learn that ground ambulance services often aren’t fully covered, leaving them responsible for thousands of dollars after an emergency.

If you’re injured in a crash or serious accident, unexpected medical bills can add stress at the worst possible time. Understanding your rights—and who may ultimately be responsible for those costs—can make a real difference.

Learn more about this topic from NPR and the Medical Air Services Association (MASA).

NPR: https://www.npr.org/2026/01/11/nx-s1-5628432/states-are-cracking-down-on-exorbitant-ambulance-charges-for-out-of-network-patients

MASA: https://masaaccess.com/learning-center/why-your-insurance-may-not-fully-cover-your-ambulance-ride

01/23/2026

A winter storm is headed our way this weekend. ❄️ The team at Schroeder & Mandel encourages everybody to exercise extra caution and follow these tips while out on the road:

🚘 Turn on your headlights and wear your seatbelt

📵 Put away the distractions and turn your full attention to the road

🌨️ Stay at least 10 car lengths behind snowplows to avoid driving into snow clouds

⚠️ Turn off the cruise control and drive a safe speed for current conditions

Remember, snowplows are working to keep you safe on the road. Be patient, be alert and be safe if you’re out this weekend, and follow the link for the Minnesota Department of Transportation's full list of winter driving tips: https://www.dot.state.mn.us/winter/index.html.

MnDOT winter safety tips

01/01/2026

As we ring in the New Year, we’re reflecting on the year gone by and looking ahead to what’s next. 🎊 Here’s to new beginnings, exciting opportunities and continued growth. From our team to yours, we wish you a happy, healthy and successful 2026!

12/25/2025

Merry Christmas and happy holidays from all of us at Schroeder & Mandel! 🎄 We hope your day is full of peace, happiness and time spent with people you love. Stay safe and stay warm out there.

12/07/2025

Holiday parties often come with a little extra cheer—sometimes in the form of cocktails and festive drinks. 🥂

While a toast or two can be part of the fun, homeowners should remember that in some states, you could be held responsible if an intoxicated guest leaves your party and causes harm or property damage.

So, make sure you:

🚗 Encourage guests to pick a designated driver.
🥤 Stock plenty of non-alcoholic beverages and serve food.
🛏️ Call a cab for intoxicated guests or offer a place to sleep at your house.
❌ Never allow minors to drink.
🏠 As the host, stay in control by not drinking too much yourself.

For more safety tips and advice, follow Schroeder & Mandel, a BBB-accredited business committed to keeping you informed.

11/27/2025

Happy Thanksgiving! 🦃🍂 From our family at Schroeder & Mandel to yours, we hope your holiday is filled with warmth, laughter and the comfort of being surrounded by those you care about most.

11/18/2025

Stay safe with Schroeder & Mandel’s ridesharing tips! 🚗 Whether you’re heading out for a night with friends or catching a ride to the airport, taking a few precautions can help keep you safe.

✅ Request your ride from indoors to avoid waiting outside for long periods
✅ Choose drivers with a high rating
✅ Ride with friends when possible
✅ Share your trip with someone you trust using the “Share My Ride” feature
✅ Confirm the car’s make, model, license plate, and driver match the app
✅ Sit in the back seat and always wear your seatbelt
✅ Avoid sharing personal details
✅ Pay and tip through the app only
✅ Track your route to ensure accuracy
✅ If you feel unsafe, call 911 immediately

A few simple steps can go a long way in keeping your rides safe and stress-free.

11/09/2025

We’re honored to serve clients throughout Minnesota and Wisconsin. Every day, our team strives to provide guidance, support and peace of mind. Thank you to all of our clients for trusting us with what matters most.

10/31/2025

There’s nothing scarier than getting into an accident on Halloween night. 🚗💥 With trick-or-treaters, parties and busy streets, it’s more important than ever to stay vigilant and on high alert:

🎃 Drive slowly and keep headlights on—even before dark
🧟 Never drive under the influence
🧛 Be mindful of pedestrians and cyclists everywhere

Let’s make sure the only frights tonight come from costumes—not the roads.

10/28/2025

In case you missed it: Schroeder & Mandel is a proud sponsor of the Cystic Fibrosis Foundation – Georgia Chapter's Wine and Rose Gala! 🌹🍷

Now is your last chance to join us in furthering the foundation’s important mission of finding a cure for cystic fibrosis and supporting research initiatives. Make an online donation to the GA CFF by Saturday, November 1, 2025. To maximize our collective impact, Schroeder & Mandel will match up to $5,000 in donations.

Make a donation: https://events.cff.org/wineandrosesgala/RickS
Learn more about the Gala: https://events.cff.org/wineandrosesgala

10/25/2025

A rare condition affecting around 40,000 people in the U.S., cystic fibrosis is a progressive genetic disease that affects the lungs, pancreas, and other vital organs, leading to the buildup of thick, sticky mucus that can cause severe damage over time.

Despite the challenges it poses, The Cystic Fibrosis Foundation has contributed to remarkable improvements in cystic fibrosis research and care, enabling those with cystic fibrosis to live longer and healthier lives.

This is why Schroeder & Mandel is proud to support the Cystic Fibrosis Foundation – Georgia Chapter and its upcoming Wine and Roses Gala. 🌹🍷

Join us in celebrating the CFF’s accomplishments by making an online donation by November 1, 2025. For maximum impact, we’re matching up to $5,000 in donations from current and former clients, friends and colleagues.

Make a donation today: https://events.cff.org/wineandrosesgala/RickS