Surgery Ahead? MANAGING YOUR INSURANCE PRIOR TO SURGERY

Get the financial facts about your insurance coverage BEFORE your procedure

Understanding Your Medical Bills-The Video

This video walks you through the basics of how to read your medical statements and what to look for. 

The Anatomy of your Medical Bill and EOB

This guide breaks down the complex terms on your bill and your Explanation of Benefits (EOB) so you know exactly what you are paying for. 

Why Am I Getting So Many Bills? A Patient Guide

This resource explains the common reasons behind multiple bills for a single visit and how to identify if they are correct.

Understanding HSA, HRA, and FSA Accounts

This resource provides a clear comparison of Health Savings Accounts (HSA), Health Reimbursement Arrangements (HRA), and Flexible Spending Accounts (FSA) to help you choose the best option for your healthcare needs. 

Sample Appeal Letter for Pre-Authorization Denial

Use this sample appeal letter to guide you in submitting an appeal to your insurance company when you have received a pre-authorization denial. Along with the letter template, you will also discover what information and documents to include, as well as tips for a successful submission. 

A Pre-Authorization Denial happens before you receive a service or treatment. It means the insurance company has reviewed the proposed plan and determined it does not meet their criteria for coverage at that time. 

Sample Appeal Letter for Claim Denial

Use this sample appeal letter to guide you in submitting an appeal to your insurance company when you have received a claim denial. Along with the letter template, you will also discover what information and documents to include as well as tips for a successful submission 

A Claim Denial happens after the service or treatment has already occurred. It means the insurance company has reviewed the bill submitted by your provider and decided not to pay for it, often citing issues like coding errors, lack of medical necessity, or policy exclusions. 

Disputing Medical Debt Kit

This kit provides the tools and letter templates you need to identify billing errors, dispute unfair charges, and effectively manage your medical debt.