Know Your Rights
Know the laws that protect you from unfair medical billing. The No Surprises Act, state balance billing laws, and Good Faith Estimate requirements give you real leverage - but only if you know they exist. Find your state's protections and learn how to use them.
Your Rights, Your Leverage
Guides & Resources
Uninsured? Your Guide to Charity Care and Mandatory Discounts
If you're uninsured or underinsured, hospitals are often required to offer charity care and mandatory discounts. Learn what you qualify for and how to apply.
How to File a Medical Billing Complaint (State AG, CMS, and Insurance)
When a provider won't fix billing errors, escalate. File complaints with your state AG, CMS, or CFPB. Step-by-step guide with links for all 50 states.
Good Faith Estimates: Your Right to Know Costs Before Treatment
Under the No Surprises Act, you have the right to a Good Faith Estimate before treatment. Learn how to request one, read it, and dispute charges that exceed it.
Medical Bill Statute of Limitations by State
Every state has a time limit on collecting medical debt. Learn your state statute of limitations, how to verify old debts, and when you can legally stop paying.
Medical Debt and Your Credit Score: 2026 Rules Explained
Major changes to how medical debt affects credit scores took effect in 2023-2024. Learn the new rules, how to dispute old collections, and protect your score.
The No Surprises Act: What It Means for Your Medical Bills (2025 Update)
The No Surprises Act protects you from surprise out-of-network medical bills. Learn your rights, what's covered, what's not, and how to file a dispute.
Insurance Appeal Letter Template: How to Fight a Denied Claim
Use this insurance appeal letter template to fight a denied claim. Includes formal letter structure, medical necessity arguments, and escalation steps.
Medical Debt in America: What the Numbers Really Mean
An in-depth look at the medical debt crisis in America: $220 billion outstanding, 79 million affected, and actionable steps patients and attorneys can take.
State-Specific Guides
North Carolina Patient Rights Guide
NC-specific balance billing laws, state protections beyond federal law, and how to file a complaint in North Carolina.
South Carolina Patient Rights Guide
SC-specific balance billing laws, state protections beyond federal law, and how to file a complaint in South Carolina.
Find Your State's Protections
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