- The official website of the Medical Bill Survival Guide by Nicholas Newsad.
          The Medical Bill Survival Guide by Nicholas Newsad
Available Now: Medical Bill Survival Guide by Nicholas Newsad in print and e-book format at

Second place in the Reader Views Literary Awards, "Health" and "How To" categories

It does not matter how bad your financial situation seems to be, The Medical Bill Survival Guide will provide you with the knowledge to help yourself or your loved one. Medical bill anxiety is caused by miscommunications and misunderstandings. This book teaches easy, effective strategies for working with insurance companies, hospitals, doctors, and other healthcare providers.

Readers will learn and discover:
  • How process problems cause insurance claims to be rejected and denied
  • How to access public insurance programs for the uninsured and unemployed
  • How to access provider-based financial assistance and charity care
  • How to demonstrate financial hardship and
  • How to talk productively to billers and collectors.
The information in this book will benefit:
  • Insured patients who are experiencing difficulty paying the deductibles, co-pays, and coinsurance.
  • Uninsured patients who are unemployed or cannot afford health insurance.
  • Patients and the families of patients who have survived a catastrophic medical episode like cancer, heart attack, or major surgery.
  • Patients with chronic diseases requiring continuous, costly medical care like heart disease, COPD, or diabetes.
Nicholas Newsad, MHSA is a senior analyst at a national healthcare management company. He holds a master's degree in hospital and health service administration from Xavier University. He lives in Westminster, Colorado.He has served as a senior healthcare analyst for six years and has also served as an interim surgery center administrator. He has been quoted and interviewed in the L.A. Times, NY Daily News, MSN Money, and Smart Money, as well as numerous other magazines, newspapers, and radio shows.

Do you have a horror story about your medical bills? Insurance company? Or medical provider? We want to hear about it. at

Huge hospital bills, no insurance

Prakash G. writes: Hi there! Upon graduation in Aug 2012, i had to buy insurance from outside to cover me during OPT, but when i learnt about my pregnancy and my insurance denied claims due to not meeting their eligibility criteria "has to be full time student", i am basically without insurance with bills piled high. My husband currently on F1 visa did not add me as his dependent coz he will be graduating in may2013. We would both be out of insurance again. Since .....

hospital - OPT

Question: Issue with balance billing

Cheryl writes: I have an issue with the practice of balance billing when a patient has primary, secondary and sometimes tertiary insurance coverage. The medical practice in question has contracts with the insurance companies but instead of being sure the COB is done between insurance companies the practice takes the greater discount of the two insurances then balance bills the patient? I have done medical office collections and billing 20 yrs and have seen some things but to .....

balance billing - COB

Question: What if i have available credit on open credit cards?

Kevin writes: Nicholas, I have a question concerning "ability to pay". I am currently unemployed and have credit card debt totaling 30 thousand dollars however I still have approximately 30 thousand left to tap on the cards. I know that the hospital is going to do a credit check and see how much credit i still have to pay them with. Is available credit that same as ability to pay? I recently had to go to the emergency room and stay over night at a for profit hospital that .....

hospital - financial aid - IRS - FPL - unemployed

Question: Need advise for medical bills caused by violent criminal assault against own children.

Kathy O'Keefe from Ohio asks: On May 6, 2011, a man broke into my daughter's home. He forever changed all of our lives that day. He hid in the dark early morning hours, and forced his way in. This man attacked my daughter, stabbing her multiple times. Her brother, Danny, heard her screams, and ran to her aid, changing his life forever. I'd tried all morning to get my daughter, and then my son, by phone, .....

medical bills - Medicare - questions - Ohio Medicaid - criminal assault

Question: Question on charity

Thanks for the informative website and book! I'm trying to help a friend who was recently diagnosed with cancer. She is uninsured. Initial emergency visit/hospitalization was $40,000. Then $140,000 for follow-up hospitalization and surgery. Now facing $6000+ per week for chemo. We're filing for PCIP which hopefully will cover her going forward. But meantime, how to manage the $180,000+ bill? According to Methodist Hospital (Houston) finance counselor we talked .....

affordable care act - past treatments - Texas

About the free HTML edition of The Medical Bill Survival Guide

We've recently released the free HTML Edition-of The Medical Bill Survival Guide to our site. We would like the information in it to be openly available to anyone that should need it. If you wish to support this site, we offer a .....

comments - HTML

Comment: working beyond the "horror"

From: Brandy M Hello there. Thanks to the information you've provided, I've been able to whittle my $47,000 "horror story" down to something much more workable so far. Thank you! You offer truly invaluable information as I'd be facing bankruptcy otherwise! I finally received a good response from the hospital itself and will be billed just a small fraction of the total bill (hooray!!!). Though there are a number of other independent doctors -- involved in my treatme .....


Question: looking for bill tracking template referenced in book

Laura B asks: Hi there, I'm looking for the downloadable template to track medical bills referenced in the book. I can't seem to find a link on your site. Thanks so much, Laura The outward course of my life has been the common one, but in my dreams I always saw tigers. -- Borges Answer: The .....


The truth about paying your medical bills (and any other unsecured bills)

First off, if you are loosing sleep over high medical bills, stop. It doesn't matter, go back to sleep. Why ? Because there's not a lot that a creditor is actually going to do to force you to pay your bill, other then suing you. In order for them to sue you, it is going to cost THEM money for a lawyer, which is not cheap. Here's how it works   - You are late paying a bill, so then it goes to some collections company. - The collections company actually buys the debt for pennies on .....

medical bills

2020 Predictions: Healthcare, Physicians, Medicare, Etc.,

2020 Predictions: Healthcare, Physicians, Medicare, Hospitals, and Medicaid I have five major US healthcare predictions for the year 2020. You can see many of these healthcare trends happening now. HEALTHCARE PREDICTION #1: EMPLOYERS WILL PASS COSTS TO EMPLOYEES Employers will continue to shift the increasing cost of healthcare insurance to employees by requiring them to pay a higher percentage of the premiums or increasing the amount of patient deductibles and co-insurance. Across m .....


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