Cut Medical Bills in 15 Easy Steps

Go From Beginner To Healthcare Master And Spot Billing Errors, Price-Shop Healthcare And Negotiate Medical Bills
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  • Lectures 43
  • Length 2.5 hours
  • Skill Level All Levels
  • Languages English
  • Includes Lifetime access
    30 day money back guarantee!
    Available on iOS and Android
    Certificate of Completion
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About This Course

Published 4/2015 English

Course Description

Did you know that you can negotiate your medical bills down? Neither do most Americans! It is no surprise that the leading cause of bankruptcy in America is due to medical debt! Take this course to learn how to negotiate medical bills and arm yourself with the tools to prevent large future medical bills to save $1000's of dollars on your healthcare. These are the same tools that attorneys and medical billing advocates have been using for decades. You can put these same tools to work for you - take the course now to see how!

  • What are you going to get from this course? Learn:
  1. How to Prevent Large Medical Bills by understanding the healthcare system and price-shopping your healthcare
  2. How to Spot Medical Billing Errors in your medical bills and save $100's to $1000's of dollars without any knowledge of the complex billing codes
  3. How to Negotiate Medical Bills and Leverage your Financial Situation to get lower payments on your medical bills.
  4. How to Request your Medical Records, Appeal a Medical Claim Denial, and more!
  • You can complete the course and start negotiating outstanding bills in less than 3 hours! The course is just useful content, no fluff or war stories. Start (and finish) the course today!
  • The course is structured to first teach you how to prevent large medical bills and then take you step by step through the negotiation process including sample scripts and discount percentages that are reasonable in each situation
  • Additional Materials included:

Financial Planning Worksheet, Medical Bill Organization Spreadsheet, Comprehensive E-Book Summary, Sample Form Letters for working with your Healthcare Providers and Insurance Company, Links to More Resources

Start saving money on your medical expenses, take the course now!

The course is updated through July 2015 to account for the Affordable Care Act and the most current billing practices in the United States. I will continue to update content with the changing healthcare industry.

With Udemy, I have a 30-Day Money Back Guarantee - No questions asked! All the risk is on me.

[*US Healthcare System only*]

What are the requirements?

  • A good attitude!

What am I going to get from this course?

  • Negotiate Current Medical Bills
  • Spot Medical Billing Errors
  • Learn how to "Price-Shop" healthcare before treatment
  • Prevent large medical bills in the first place
  • Understand the crucial terminology in healthcare

Who is the target audience?

  • Americans With Outstanding Medical Bills
  • Americans Who Anticipate Future Medical Bills
  • Americans Who Want to Control Their Healthcare Costs
  • Children who have parents with Ongoing Medical Bills
  • Siblings who have brothers or sisters with Ongoing Medical Bills

What you get with this course?

Not for you? No problem.
30 day money back guarantee.

Forever yours.
Lifetime access.

Learn on the go.
Desktop, iOS and Android.

Get rewarded.
Certificate of completion.


Section 1: Disclaimer - Please don't sue me... That drives up the cost of the course! :)
Written Disclaimer
Section 2: Welcome to the Course!

Welcome to the Course! Congratulations on joining us to reduce your medical bills. There is a lot of content in this course so I want you to stay focused. I am confident that you will succeed. As always, please post in the Udemy chat any success stories or questions!

I will be constantly updating the course to better educate our students.


It is critical that you take action early on your medical bills. Also, the sooner you complete this course, the sooner you can better manage and reduce future medical expenses.

44 pages

Here is the E-Book to follow along with all of the videos!

Section 3: Fundamentals of Health Insurance; How to Make it Work for You

Insurance companies do not pay 100% of your medical bills. We need to know the healthcare terms in order to master the medical bills. Be sure to follow along with the E-book that is provided.

Summary - Insurance 101
Section 4: Insured vs. Uninsured - Why it matters

This lecture covers the crucial elements of health insurance and how to find the right insurance plan for your if you do not have health insurance. You need to know:

  • Your Deductible
  • Your Co-Pays
  • Your Co-Insurance
  • In Network vs Out-of-Network
Summary - Insured vs Uninsured
Public Health Insurance Resources
Section 5: Get Organized

Getting organized will help you stay on top of your expenses and lay the foundation for spotting billing errors and negotiations.

**Always remember to scan and log all your documents as you receive them and before you mail them out.

Summary - Get Organized
1 page

Download the medical billing spreadsheet and financial worksheet to help you stay organized.

Section 6: How to Price Shop Your Healthcare

This is the most effective way to reduce your medical bills. There are online resources available for you to determine the cost of care BEFORE you go in for treatment and then making the healthcare provider commit to that price. No more surprises on your medical bills. You can also determine the best value of a procedure in your area by searching different healthcare provider options.


In this video I show you how to shop for your healthcare before you go in for any kind of care by walking you through a sample procedure.

Summary - Price Shop your Healthcare
Section 7: How to Request Your Medical Records
It is your legal right to request your medical records. First call and ask for the healthcare provider's procedure for requesting records. There is generally a form that they use. We provide a sample letter; make sure it contains all of the information that your healthcare provider requests
  • Note a small fee may be charged
  • Note there are some things that you cannot see on your own medical records
Requesting your Medical Records
Summary - Requesting your Medical Records
Section 8: How to Appeal a Denied Claim

**Always remember to scan and log your letters before you mail them out.

  • If you disagree - it is your right to appeal
  • First try to resolve the matter without an appeal - it may just be a miscommunication or a misunderstanding
  • Professionals are recommended, but not required
  • Look for resources provided by the Insurance Company to help you with your own appeal, generally found on their website

In this video I show you what document(s) you'll need to have in order to appeal a denied medical claim.

Summary - Appealing a Denied Claim
Section 9: How to Use Price Comparison (Post-Treatment) for Reducing Costs
  • Research the same treatment procedure in the same area using the Healthcare Bluebook. We also highly recommend NerdWallet's hospital price review and rating tool. Finally, we also recommend New Choice Health's Shopping and Comparison tool.
  • Point out competitor pricing for the same treatment and location and state you will be visiting them in the future for better prices unless the biller works with you to match their prices.
  • Point out that you are aware Medicare patients receive up to 70% discounts as evidence that there is room for flexibility on pricing.
Summary - Price Comparison
Section 10: How Medical Billing Works

Here we learn the terminology in medical billing without knowing all those complex billing codes. We also learn the billing process and where to look for errors and issues in your medical bills.


  • “Upcoding” – This is a medical bill that is improperly charged as a more intense treatment. This is most common when a name-brand medication (more expensive) is billed for a generic medication. This pins you with a more expensive bill.
  • “Unbundling” – This is where services that should be packaged together are split and billed apart. This leads to increased costs. This is common when multiple medical tests are ordered, but all relate to one condition.
  • “Balance Billing” – This is the leftover balance after the insurance company pays. All of the charges may be covered under your policy, so you may not actually owe this “leftover” amount. Uncommon, but still happens with automated billing processes.
  • “Duplicate Billing” – This is more common than you would expect. This is where you are billed multiple times for the same procedure. This may happen when a nurse and doctor both input a bill into the system without checking with each other. It also happens when there is a large number of one procedure and it is input in the system incorrectly, perhaps 25 times instead of 23.
  • “Mismatched Coding” – This is where the treatment code does not match the diagnosis. In this situation, the insurance company then denies the claim. The bill is sent back to the provider and will either be corrected or sent down to the patient with the error.

Itemized Bill compared to Explanation of Benefits

  • Always request an itemized bill
  • Compare the itemized bill to your explanation of benefits
  • Question ANYTHING you do not understand. It is your right as a patient and healthcare consumer to know what you are paying for.
  • If necessary - conference call in both the healthcare provider and insurance company to explain a charge

In this video we are going to look at sample bills so you can see what you should focus on and look for as you go through your own medical bills.


In this video I explain what an itemized bill is and why you want to request one.


In this video I walk you through our form letter for you to request an itemized bill and an explanation of charges.

Summary - Understand Medical Billing
Section 11: The Difference Between a Biller and a Collector
  • It is confusing, but “billers” are different from collection agencies. We use the term “billers” to define individuals who work as a part of the healthcare provider to collect the outstanding bill. Technically, these are not collection agents.
  • Collection agents are a part of separate companies that take the healthcare provider's debt and collect on behalf of the healthcare provider. The collection agency then takes a cut of the final amount awarded.
  • If you are unsure who you are taking to, just ask for the caller to identify the relationship to your medical bill.
Summary - Biller vs Collector
Section 12: What to do Before the Call to Negotiate
  • Refer to your filing system to prepare your notes for the call.
  • Also fill out your Personal Financial Overview Worksheet (referenced as the "Income Assessment PDF" in the video) in order to clearly communicate to the biller a reasonable payment amount.
  • Your preparation will pay off!
Summary - Before the Call
Section 13: How to Make the Call to Negotiate

Here are your things to NEVER do.

  • Never argue the price itself.
  • Never dispute minor details regarding treatment and service such as when statements were received or when calls were received from billers.
  • Never lose your composure.
  • Never share your personal problems – unless they are directly relevant to your financial situation.

In this video I am going to walk you through the negotiation process.

Here's what to do.

  • Negotiate for a 40% discount, or 60% of the original bill ($600 on a $1000 bill)
  • Negotiate for monthly payments at 1/25 of the original bill per month ($40/month on a $1000 bill)
  • Remember to request interest-free payments
  • You will have a better chance at a higher discount the more money you can offer up-front in cash ($600 cash today on a $1000 bill)
  • AVOID using credit cards to pay; this is money you do not have and the interest rates are high
  • Last resort; if you are not communicating well with the biller, request a manager
  • Absolute last resort - state you will not go back and state you will share your bad experience. Remember to be respectful here. Be sure to share bad experiences (and great experiences) on our private Facebook community so we know which healthcare providers are doing what.
Get your Agreement in Writing
Summary - Making the Call
Section 14: How to get the Account Back to the Biller
  • If you are already in collections, do everything in your power to get back to your biller. In technical terms, you need to reverse the “bad debt.”
  • This is difficult, but not impossible.
Summary - Back to Biller
Section 15: BONUS - Crowd-Funding + The Write-Off Letter
  • Crowd Funding is an online resource to have family, friends and complete strangers help you pay for your medical bills.
  • Here are some of the websites available, in no particular order of preference. Note that these websites take a portion of your donations as a service fee, so do your research on what makes the most sense for you.
  • Use the form letter provided to send to your provider after you have negotiated a payment plan
  • Send the letter on a monthly basis starting at month 6. Be persistent!
  • Feel free to add an emotional appeal (this is the one area for it) but leave the foundation to the letter in tact
  • The success rate is quite low (less than 5%) but why not try?

Here is the screencast of how to fill out the write-off letter.

Summary - BONUS Crowd funding + Write-Off Letter
Section 16: Closing Time - Thank you!

Congratulations on finishing the course! Now you are ready to take control of your medical expenses. Let us know how much you are saving!

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Instructor Biography

David Holt, Attorney and Entrepreneur

David Holt is a Healthcare and Business Attorney that has successfully negotiated $100,000+ medical bills down to manageable amounts to aid families in avoiding bankruptcy. David manages his own law firm and co-founded to educate and empower patients directly rather than have patients hire David as an attorney. David is a native Minnesotan entrepreneur that dove head first into the patient advocacy world after his own bad medical bill experience.

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