Bill Cole – Medical Bill Survival Guide
The Medical Bill Survival Guide complete book
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
Author Archives: Bill Cole
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 paperback¬†book for about $9 or an e-book for about $4¬†through Amazon. We enjoy […]

Oct 17,2012
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 […]

Oct 17,2012
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: […]

Oct 17,2012
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 […]

Sep 30,2012