Take Control of
Your Healthcare Costs
Learn how to challenge unfair medical bills, reduceprescription costs, and navigate the healthcare
system with confidence.
A Trusted Resource for
Smarter Healthcare Decisions
Americans are paying more than any other country for healthcare with little to show for it. Our healthcare system is driving thousands of patients into bankruptcy and discouraging businesses from taking on new workers due to the exorbitant cost of healthcare benefits. Meanwhile, thousands are going without needed medication due to escalating prescription drug costs, and many more are suffering because their insurance companies are denying them access to out-of-network specialists and/or procedures which these patients’ own doctors are recommending.
This website will show you how to successfully challenge this unfair and bloated system, whether you are a patient being hounded by bill collectors after receiving medical treatment, an individual contemplating treatment who is concerned about how high those costs might turn out to be or whether they will be covered by your insurance, or an employer facing escalating premiums from the insurers and broker(s) you now depend upon to provide health coverage for your employees. This website will also show you how to obtain the prescription drugs you need at a price you can afford.
This website is being made available as a disinterested public resource to help lower healthcare costs for everyone . No revenue nor financial benefits of any kind accrue to this website or its creators from any of the recommendations made herein. The sole purpose of this website is to help individual consumers who use healthcare services, and employers who fund such services through group benefit plans , to get true value for their money without being overcharged, as many of them are now.
Why Healthcare
Costs Are Out of Control
How Healthcare Insurance Companies Contribute to the Problem
Insurance companies help drive rising healthcare costs by prioritizing profit through higher premiums, opaque pricing, and limited incentives to control overall spending.
How Healthcare Insurance Brokers Contribute to the Problem
Insurance brokers retained by individuals or by employers for group coverage are part of the middleman structure that contributes to pricing obfuscation. Commissions and bonuses from insurance carriers can create conflicts of interest that are not always voluntarily disclosed to clients.
How Pharmaceutical Drug Companies Contribu te to the Problem
Inventors who patent their drug inventions are supposed to have patent protection to restrict supply and protect their prices for only a limited term of years, but most pharmaceutical drug manufacturers have resorted to the practice of perpetuating their patent monopolies by filing for new patents based on only minor and not always positive modifications to their original formula.
How Pharmacy Benefit Managers (PBM’s) Contribute to the Problem
Pharmacy benefit managers are additional players in the middleman structure contributing to cost escalation. Health care plans contract with separate companies.
The Role that Hospitals Play in Rising Medical Costs
Another important factor in rising healthcare costs are increased consolidations among medical industry vendors, especially among hospitals.
How Healthcare Insurance Companies Contribute to the Problem
Insurance companies help drive rising healthcare costs by prioritizing profit through higher premiums, opaque pricing, and limited incentives to control overall spending.
Solutions to the
Healthcare Expense Problem
What You Need to Do before your First Encounter with a Medical Provider
Whether you are going to a hospital emergency room, a doctor’s office, or a medical imaging facility for x-rays or scans, you will first be presented with an all in one form for your signature , often on an electronic pad..
How Employers Offering Group Coverage Plans Can Get More for their Money
Human resource directors and company executives often rely on health insurance brokers to guide them through the tangle of costly and confusing benefit options offered by insurance companies.
Finding the lowest prices for scans , tests,
and treatment
Prices vary greatly for the same types of images or tests or procedures performed in different types of facilities. If you either have no insurance or have a high deductible insurance plan..
Is the Recommended Medical Procedure Necessary?
Finally, don’t be afraid to ask your doctor before starting any expensive, extensive or intrusive treatment whether it is really necessary or worthwhile under a risk/benefit analysis. Many expensive procedures are not only risky..
What You Need to Do before your First Encounter with a Medical Provider
Whether you are going to a hospital emergency room, a doctor’s office, or a medical imaging facility for x-rays or scans, you will first be presented with an all in one form for your signature , often on an electronic pad..
How to save money on prescription drugs
If you want to see how crazy drug prices variations can get, try calling different pharmacies and asking their price for the same drug. The pharmacy team at Good Shepherd Pharmacy in Memphis Tennessee did just that..
Challenge Unfair
Medical Bills with Confidence
Unexpected medical charges can be overwhelming and confusing. These sample letters help you formally respond to billing errors, out-of-network claims, and debt collection attempts. You can use them as templates to request itemized bills, medical records, and proper debt verification from providers and collectors.
Helpful Resources
Whether you are going to a hospital emergency room, a, doctor’s office, or a medical imaging facility.
This website is extensively based
on the following books :
