Free guides to help you take the next step
Practical guides on denials, bills, surprise bill disputes, and prior authorization.
How to Appeal an Insurance Denial
Step-by-step guide (2026)
Insurers denied 20% of 2024 ACA claims — a 9-year high — but only 0.2% were ever appealed. 77% of those denials were not primarily medical-necessity decisions. Step-by-step guide to ACA and ERISA protections, the internal-to-external appeal process, and what to include in your letter.
12 min readHow to Dispute a Surprise Medical Bill
No Surprises Act guide (2026)
Under the federal No Surprises Act, if your final bill is $400+ above the Good Faith Estimate you were given, you can file a Patient-Provider Dispute Resolution (PPDR) with the federal government. The federal IDR portal received 1.2M disputes in H1 2025 — doubled year over year (Georgetown CHIR, 2025). Step-by-step PPDR filing guide with deadlines and what to submit.
10 min readHow to Appeal a Prior Authorization Denial
Step-by-step guide (2026)
Prior authorization denied? Complete walkthrough of peer-to-peer review, formal internal appeals, and independent external review — with the medical-necessity evidence plans often ask for.
11 min readHow to Find and Fix Medical Bill Errors
Complete guide (2026)
Many medical bills contain errors. Learn how to spot common issues and dispute overcharges step by step.
10 min readWhat to Do When Your Medical Bill Is Too High
Step-by-step guide (2026)
Up to 80% of medical bills contain errors. Learn how to check for errors, compare fair prices, negotiate directly with providers, apply for charity care, and set up interest-free payment plans.
14 min readMedical Debt in Collections?
Your rights and next steps (2026)
Know your rights under the FDCPA, validate the debt, check for charity care eligibility, understand the 2023 credit report changes, and challenge unfair collection practices.
15 min readHow to Read Your EOB
Plain English guide (2026)
Your Explanation of Benefits is not a bill. Learn what each section means, decode confusing terms like "allowed amount" and "coinsurance," and know when something looks wrong.
10 min readQuestions to Ask Before Any Medical Procedure
Avoid surprise bills (2026)
A 20-minute phone call before your procedure can save you thousands. Coverage verification, prior authorization, cost estimates, in-network checks, and your rights under the No Surprises Act.
12 min readWhat to Do When Prior Authorization Is Denied
Review your options step by step (2026)
A prior authorization denial does not mean you cannot get the treatment your doctor ordered. Learn your options for peer-to-peer review, formal appeals, and external review.
7 min readYour Rights When Insurance Denies Your Claim
Know the law (2026)
Federal and state laws give you specific, enforceable rights to challenge insurance denials. Learn what the ACA, ERISA, and the No Surprises Act guarantee you.
7 min readAppeal a Medicare Advantage Denial
Appeal options and evidence checklist (2026)
Medicare Advantage plans denied 4.1M prior-auth requests in 2024 — a 56% jump year over year. The CMS Interoperability and Prior Authorization Final Rule now forces insurers to give specific denial reasons and publish their metrics. Upload your denial; we draft the appeal with Medicare citations.
6 min readAppeal an Ozempic / Wegovy / Mounjaro Denial
Evidence and step-therapy checklist (2026)
Over half of weight-management GLP-1 requests are rejected on first pass — often for step-therapy, BMI-threshold, or plan-exclusion reasons. Covers Ozempic, Wegovy, Mounjaro, Zepbound, and every major GLP-1.
7 min readCan’t afford care? Help before the bill
Real programs most people don’t know (2026)
One in three Americans skipped care last year because of cost. Sliding-scale clinics (FQHCs), hospital charity care (§501(r)), prescription assistance (NeedyMeds, RxAssist, 340B), and ACA subsidies can cut or eliminate your bill — most require nothing but an application.
8 min readReady to take action?
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