Pillar
Coverage & Appeals
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What Is Balance Billing, and When Is It Not Allowed?
What balance billing is, when federal law bans it (emergencies, in-network hospitals, air ambulance, Medicare, Medicaid) and when you may still owe…
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How to Negotiate a Medical Bill (and Ask for Help Paying)
Phone scripts to lower a medical bill: ask for the cash price, a payment plan or hospital financial assistance, plus federal rules…
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Bill Higher Than Your Good Faith Estimate? How to Dispute
Uninsured or self-pay and billed $400+ over your good faith estimate? Learn the 120-day deadline, the $25 fee and how to start…
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How to Get an Itemized Medical Bill and Check It
Learn how to ask for an itemized medical bill, then check it for duplicate charges, services you never got and coding errors.…
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How to Get Insurance to Cover Spine Surgery (Fusion or Decompression)
Spine surgery denied? See what plans in Kentucky and Indiana often check for fusion and decompression, what to document, and get a…
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How to Get Insurance to Cover Radiofrequency Ablation for Back or Neck Pain
Radiofrequency ablation denied? See what plans in Kentucky and Indiana often check, why test nerve blocks matter, and get a ready-to-use appeal…
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How to Get Insurance to Cover Hip or Knee Replacement Surgery
Hip or knee replacement denied? See what plans in Kentucky and Indiana often check, what your surgeon should document, and get a…
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How to Get Insurance to Cover Knee Arthroscopy (and Appeal a Denial)
Knee arthroscopy denied? See what plans in Kentucky and Indiana often check, what your surgeon should document, and get a sample appeal…
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Fully Insured and Marketplace Plans: How Appeals Work
Denied by an insurer-issued or Marketplace plan? See internal appeal and external review steps and deadlines in Kentucky and Indiana, plus a…
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Car Accident Medical Bills: PIP and Med Pay
Car crash medical bills unpaid? See how Kentucky PIP and Indiana med pay work, who pays first, and what to do if…
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