Free step-by-step guides for denials, bills, surprise bills, and prior auth.
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How to Appeal a Health Insurance Denial
Insurers denied 20% of all 2024 ACA marketplace claims (19% of in-network claims), but fewer than 1% of denied in-network claims were formally appealed. ACA and ERISA protections, the internal-to-external appeal process, and exactly what to include in your appeal.
Read guideHow to Dispute a Surprise Medical Bill
When one provider's or facility's bill is at least $400 more than its own Good Faith Estimate, the federal Patient-Provider Dispute Resolution process may be available if its other requirements are met — here is the step-by-step filing guide with deadlines.
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Short reads
Ten-minute articles on the questions people search most.
Understanding Your Explanation of Benefits (EOB)
Your EOB is not a bill. It shows what was charged, what your plan paid, and what you may owe, which is where billing errors show up. Each section, in plain English.
Read article5 Common Medical Bill Errors That Cost You Money
Billing errors are common enough that checking every medical bill is worth the effort. Here are the five most common mistakes and how to catch them.
Read articleWhat to Do When Your Insurance Denies Prior Authorization
A prior authorization denial does not mean you cannot get the treatment your doctor ordered. Learn your options for getting it approved.
Read articleHow to Get Help Paying for Prescriptions
Prescription costs push many people to skip doses. The free programs and plan rules that can lower what you pay, and what to do when your insurer says no.
Read articleYour Rights When Insurance Denies Your Claim
Federal and state laws give you specific rights when your health insurance denies a claim. Here is what the law says and how to use it.
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