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Patient guides

Plain-English guides for insured patients: denials, appeals, EOBs and medical bills.

Charged for Your “Free” Annual Physical or Screening Colonoscopy? Here’s Why, and How to Fix It

October 5, 2026
Checkup bill with an extra office visit line marked modifier 25 and a dollar badge, next to a medical cross

Most private health plans must cover recommended preventive care with no cost sharing when you use an in-network provider. That includes a…

Zepbound or Wegovy Denied by Insurance? Exclusion vs Formulary vs Prior Auth, and What to Do

October 5, 2026
GLP-1 injection pen next to a pharmacy claim stamped rejected, for a Zepbound or Wegovy insurance denial

First, find out which kind of denial you have, because each needs a different fix. If your plan excludes weight-loss drugs, an…

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For educational purposes only; not legal or medical advice. Editorial policy