Guides

The three moves nobody tells you.

Short, practical guides built from the rules themselves. Each one is a single idea that changes outcomes.

Find your hospital's financial assistance policy

Where the policy hides, the exact words that produce it, and what its refusal would mean. Everything starts with this document.

Always file the application

Screened, pre-approved, told not to bother? File anyway. The law's strongest duties are written around a submitted application — including getting your money back.

Offered a payment plan first?

The plan is offered before assistance is mentioned — on purpose or by habit. What signing can cost you, and the questions to ask first.

Included in the $49 HospitalBillDecoded Kit

  • The application pack: how to get the policy and the form, the exact words to ask with, and what to do when the desk says no
  • Filling guidance, field group by field group — including income proof when pay stubs don't exist
  • The itemized-bill error checklist: the recurring errors, how to spot each one, and the dispute letter
  • Negotiation scripts for whatever is left after free care and error fixes
  • The deadline tracker for your 240-day window and 120-day shield
  • The escalation ladder: financial counselor, ombudsman, state attorney general, IRS Form 13909

Get the HospitalBillDecoded Kit — $49

One payment of $49. No subscription. The kit is a web page you can return to and print — the application pack, the error checklist, the scripts, the deadline tracker, and the escalation ladder.