Patient Survival Guide
with Matthew Zachary
Welcome to 2026: The Year of the Patient where the sick shall inherit the ballot.
[BONUS] When the Healthcare System Won’t Fix It: Should You Go Public?
What happens when you follow the healthcare system’s rules and your problem still isn’t fixed? Learn when a regulator, elected official, journalist, executive, or public pressure may help, what to try first, and what to protect before taking your case public.
Health Insurance Appeal Denied Again? How to Escalate Your Case
Health insurance appeal denied again? Learn how to identify your next level of review, strengthen the evidence, request external or expedited review, find the right regulator, involve employer benefits when appropriate, and know when professional help may be warranted.
Doctor Won’t Listen? How to Get Your Concerns Taken Seriously
Feel like your doctor isn’t listening or taking your symptoms seriously? Learn how to prepare for the visit, explain your concerns clearly, ask for the clinical reasoning, get a follow-up plan, document unresolved issues, and know when another opinion may be appropriate.
Need Help Navigating Healthcare? How to Find a Patient Navigator or Advocate
Need help navigating healthcare? Learn where to find patient navigators and advocates, what hospital, insurance, employer and nonprofit resources can do, when private advocacy may help, and what to check before trusting someone with your care.
Need an Out-of-Network Specialist? How to Ask Your Insurance for an Exception
Need a specialist who isn’t in your insurance network? Learn how to request a network exception, document unavailable or inadequate in-network options, get support from your doctor, understand the costs, and appeal if your insurer says no.
Medical Bill Wrong? How to Find and Dispute Billing Errors Before You Pay
Think your medical bill is wrong? Learn how to compare it with your EOB, request an itemized statement, identify billing or insurance errors, dispute incorrect charges, document the problem, and make sure the balance is correct before you pay.
Leaving the Hospital? What to Check Before You Go Home
Leaving the hospital? Learn what to check before you go home, including medication changes, prescriptions, follow-up appointments, pending test results, warning signs, home services, equipment, medical records, and who is responsible for what happens next.
Health Insurance Claim Denied After You Got Care? What to Do Before You Pay (Or Don’t Pay)
Health insurance denied a claim after you already received care? Learn how to read the EOB, identify the denial reason, fix billing or insurance errors, determine whether you need an appeal, and avoid paying a large medical bill before the claim is processed correctly.
Health Insurance Changed? How to Protect Your Care During the Transition
Health insurance changed while you’re in treatment? Learn how to recheck doctors and prescriptions, replace prior authorizations, protect ongoing care, track deductibles, update providers, and catch coverage problems before they interrupt your treatment.
Got a Surprise Medical Bill? What the No Surprises Act Protects and What to Do When You Need To Call Upon It
Got an unexpected medical bill from an out-of-network provider? Learn what the No Surprises Act protects, when balance billing may be prohibited, how to check your EOB, dispute an improper charge, and where to get help.
Can’t Afford Your Hospital Bill? How to Apply for Financial Assistance
Can’t afford your hospital bill? Learn how hospital financial assistance and charity care work, who may qualify, what documents you may need, how to apply even if the bill is overdue, and what to check before agreeing to a payment plan.
How to Get Your Medical Records and What to Check When You Receive Them
Learn how to get your medical records, request the information you actually need, obtain imaging and pathology, understand your access rights, check for missing or incorrect information, request corrections, and build a medical archive you can use.
Should I Get a Second Opinion? How to Get One and When It Matters
Should you get a second medical opinion? Learn when another opinion may help, how to find the right clinician, prepare your medical records, compare different recommendations, check insurance coverage, and make a more informed healthcare decision.
Can’t Get a Doctor’s Appointment? How to Get Care Sooner
Can’t get a doctor’s appointment soon enough? Learn how to find earlier care, use cancellation lists, check other clinicians and locations, involve your referring doctor and insurer, request a network exception, and know when waiting is no longer appropriate.
Is My Doctor In Network? How to Check Before You Get Care
Is your doctor really in network? Learn how to verify a provider with your specific health plan, check the facility separately, document what your insurer tells you, and protect yourself from unexpected out-of-network bills.
Medical Bill Sent to Collections? Know Your Rights and What to Do
Medical bill sent to collections? Before you pay, verify the debt, review the original bill and insurance claim, check for financial assistance and surprise-billing protections, understand your collection rights, and learn what steps to take next.
Medical Bill Too High? How to Lower It Before You Pay
Medical bill too high? Don’t pay before you understand what you owe. Learn how to check for billing errors, compare your insurance EOB, ask for financial assistance, negotiate charges, investigate surprise bills, and lower your costs.
Prior Authorization Denied? What to Do Next
Prior authorization denied? Don’t assume the answer is final. Learn how to find out why your insurer denied care, work with your doctor, request a peer-to-peer review, fix missing information, and appeal the decision.
Health Insurance Denied Your Care? Here’s How to Appeal
Health insurance denied your treatment, medication, procedure, scan, or claim? Here’s how to understand the denial, protect your appeal deadline, build your case, involve your doctor, and pursue external review if the insurer still says no.