Wellness Med Care

What brought you here?

Pick your situation and get the right pages in the right order - no browsing required.

I got a medical bill I do not understand

  1. Match the bill against your EOB first - never pay a bill that exceeds it
  2. Request the itemized bill and check it for the common errors
  3. Use the ready-made letter to request it
  4. Apply for financial assistance before agreeing to any payment plan
  5. Then negotiate what is actually left

My insurance denied a claim

  1. Find out which of the four denial types you have - most are fixable
  2. Calculate your appeal deadline from the denial letter
  3. Build the appeal letter with the fill-in template
  4. Check whether the bill was illegal in the first place

I got lab results and nobody explained them

  1. Learn how the report is laid out and what a flag actually means
  2. Look up what each test measures, in plain English
  3. Turn your results into a printable questionnaire for your appointment
  4. If nobody has called, use the follow-up script

I am choosing a health plan

  1. Get the four cost-sharing terms straight with real math
  2. Compare the plans side by side: best case, your estimate, worst case
  3. Understand which savings account comes with which plan
  4. Verify your doctors are in-network for the specific plan

I lost my job and my coverage

  1. Run the COBRA vs. marketplace arithmetic, including the deductible reset
  2. Know what happens to your HSA (yours) and FSA (usually not)
  3. Check networks before switching plans

I have an appointment coming up

  1. Structure the 15 minutes so the important thing gets said first
  2. Print the medication list and any tracker the visit needs
  3. If bloodwork is planned, know what to ask beforehand
  4. If the last visit did not sit right, a second opinion is routine

I am having a procedure or hospital stay

  1. Get the codes and a real cost picture before the date
  2. Confirm every clinician involved is in-network, in writing
  3. Know which surprise bills are now illegal
  4. Estimate your share from your deductible and coinsurance

I am helping a parent or someone else

  1. Sort the permissions paperwork before you need it
  2. Become the one person who sees the whole picture
  3. Print the medication list and appointment notes sheets
  4. If bills are piling up, assistance exists and almost nobody applies

Something else? Search the whole site or browse the guides, tools, lab reference, and tips.