Keeping Track of Medical Bills – 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

Keeping Track of Medical Bills

0 Comments - Posted by Nick Newsad on August 17, 2012 at 2:50 am


If you’ve recently had a hospital stay or been admitted to a hospital through the emergency room, you are going to get several medical bills and they are not all going to be from the hospital. You are going to get medical bills from the emergency medicine physicians in the ER, the radiology group that read your x-rays and MRIs, the pathology group that analyzed your lab tests, the specialist physicians and surgeons who looked after you once you were admitted to the hospital, and the hospital facility itself. You may have follow-up office visits with a specialist, several types of ongoing treatments, physical therapy, or home care.

I know it’s overwhelming and intimidating because this has never happened to you before. You were not planning for this, the medical bills keep coming in the mail, and you are afraid of what will happen when you run out of money. I’m not telling you this to scare you and I’m not scared for you, because I have done this so often that I actually enjoy talking to medical billers.

Before we ever talk to medical billers, we need to have a plan. I have attached a log I made for you to help you keep track of medical bills and the range and scope of your liabilities. You can fill it in to keep a record of all the correspondence between you and your providers and your insurance company.

For every service you have done, you will receive a medical bill from the provider and an explanation of benefits (EOB) from your insurance company. An EOB is a notice from the insurance company that tells you if the insurance company paid and what is due from the patient to the provider, if anything. If you do not have insurance, you will only receive the medical bill.

If you have insurance, it is very important that you are keeping track of medical bills and EOBs for every service you have done. Every service you have will have both a medical bill and an EOB. I recommend that you 1) staple matching medical bills and EOBs together, 2) file them in folders by provider, and 3) sort them by date of service. I have attached a diagram to show this visually.

If you have experienced a catastrophic episode of illness, I strongly advise using the attached log. It will help you keep track of medical bills at a glance without having to dig through tons of papers.

PDF Downloads
EOB FilingSystem

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