Patient Survival Guide
with Matthew Zachary
Welcome to 2026: The Year of the Patient where the sick shall inherit the ballot.
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.
Can’t Afford Your Prescription? How to Lower the Cost of Your Medication
Can’t afford your prescription? Learn how to check insurance coverage, compare pharmacy and cash prices, ask about generics and alternatives, request coverage exceptions, and find legitimate programs that may help lower your medication 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.