“Never Pay The First Bill” — fighting medical debt
ProPublica reporter Marshall Allen has written a great book on how to deal with medical debt.
In “Never Pay the First Bill (and Other Ways to Fight the Health Care System and Win)” he likens today’s health care system to a bully – squeezing and taunting the consumer.
In a moment of candor, a hospital finance department official told him that “our bills are largely fiction” and that “most hospital bills are routinely marked up higher than the actual cost.”
Allen notes that insurance companies are more concerned with keeping the hospitals and doctors in their networks, than with the accuracy of the billing. Even if you have an error in your bill, your insurance company might just pay it – and you may be on the hook for thousands of dollars in deductibles and co-pays.
Crystal Paulson – a full-time guide to fighting medical bills – recommends the following eleven steps when you are confronted by price -gouging:
1. Order an itemized bill
2. Examine your insurer’s explanation of benefits
3. Obtain the actual medical records
4. Examine the bills and records, to see if both reflect the care that you actually received,
5. Make sure that your insurer paid the right bill.
6. Make sure that the bill is priced fairly.
7. Negotiate….see if the provider has a financial assistance plan.
8. Go public.
9. Seek advice from any other patients who have fought medical bills.
10. Consider hiring an advocate.
11. Sue the provider in small claims court.
Let me add my own anti-debt instructions………..
12. If you are low-income, try not to live in the South. 0f the 100 counties in the USA with the highest medical debts, 79 of them are in the states that have not expanded Medicaid. Texas, Georgia, and North Carolina lead the way.
13. Realize that the hospital’s billing department wants to get rid of your balance just as much as you do. Offering to make a one-sum payment for just part of the debt might be accepted to close out the account
14. Go to websites such as “Arm and a Leg.” They conduct group meetings on Zoom where stories are shared. Many of those who suffer medical debt feel isolated and alone.
Meanwhile, the legal fight against medical debt is growing slowly but steadily.
In the November election in Arizona, Proposition 209 (known as the Predatory Debt Collection Act) passed overwhelmingly. Prop. 209 reduces the maximum interest rates on medical debt from 10% to 3% annually. Currently, up to 25% of wages can be garnished by creditors, but Prop. 209 would limit that to just 10%.
Of course the interest rates should be zero, but still this Proposition is real progress.
Thanks!
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XEvil 5.0 automatically solve most kind of captchas,
Including such type of captchas: ReCaptcha-2, ReCaptcha-3, Hotmail (Microsoft), Google captcha, Solve Media, BitcoinFaucet, Steam, Amazon, Twitter, Microsoft, Twitch, Outlook, +12000
+ hCaptcha, ArkoseLabs FunCaptcha, ReCaptcha Enterprize supported in new XEvil 6.0!
1.) Fast, easy, precisionly
XEvil is the fastest captcha killer in the world. Its has no solving limits, no threads number limits
you can solve even 1.000.000.000 captchas per day and it will cost 0 (ZERO) USD! Just buy license for 59 USD and all!
2.) Several APIs support
XEvil supports more than 6 different, worldwide known API: 2Captcha, anti-captchas.com (antigate), rucaptcha.com, DeathByCaptcha, etc.
just send your captcha via HTTP request, as you can send into any of that service – and XEvil will solve your captcha!
So, XEvil is compatible with hundreds of applications for SEO/SMM/password recovery/parsing/posting/clicking/cryptocurrency/etc.
3.) Useful support and manuals
After purchase, you got access to a private tech.support forum, Wiki, Skype/Telegram online support
Developers will train XEvil to your type of captcha for FREE and very fast – just send them examples
4.) How to get free trial use of XEvil full version?
– Try to search in Google “Home of XEvil”
– you will find IPs with opened port 80 of XEvil users (click on any IP to ensure)
– try to send your captcha via 2captcha API ino one of that IPs
– if you got BAD KEY error, just tru another IP
– enjoy! 🙂
– (its not work for hCaptcha!)
WARNING: Free XEvil DEMO does NOT support ReCaptcha, hCaptcha and most other types of captcha!
http://XEvil.Net/
XEvil 6.0 automatically solve most kind of captchas,
Including such type of captchas: ReCaptcha-2, ReCaptcha-3, Hotmail, Google captcha, Solve Media, BitcoinFaucet, Steam, Amazon, Twitter, Microsoft, Twitch, Outlook, +12k
+ hCaptcha, ArkoseLabs FunCaptcha, ReCaptcha Enterprize supported in new XEvil 6.0!
1.) Fast, easy, precisionly
XEvil is the fastest captcha killer in the world. Its has no solving limits, no threads number limits
you can solve even 1.000.000.000 captchas per day and it will cost 0 (ZERO) USD! Just buy license for 59 USD and all!
2.) Several APIs support
XEvil supports more than 6 different, worldwide known API: 2Captcha, anti-captchas.com (antigate), RuCaptcha, DeathByCaptcha, etc.
just send your captcha via HTTP request, as you can send into any of that service – and XEvil will solve your captcha!
So, XEvil is compatible with hundreds of applications for SEO/SMM/password recovery/parsing/posting/clicking/cryptocurrency/etc.
3.) Useful support and manuals
After purchase, you got access to a private tech.support forum, Wiki, Skype/Telegram online support
Developers will train XEvil to your type of captcha for FREE and very fast – just send them examples
4.) How to get free trial use of XEvil full version?
– Try to search in Google “Home of XEvil”
– you will find IPs with opened port 80 of XEvil users (click on any IP to ensure)
– try to send your captcha via 2captcha API ino one of that IPs
– if you got BAD KEY error, just tru another IP
– enjoy! 🙂
– (its not work for hCaptcha!)
WARNING: Free XEvil DEMO does NOT support ReCaptcha, hCaptcha and most other types of captcha!
http://XEvil.Net/
XEvil 6.0 automatically solve most kind of captchas,
Including such type of captchas: ReCaptcha v.2, ReCaptcha-3, Hotmail (Microsoft), Google, Solve Media, BitcoinFaucet, Steam, Amazon, Twitter, Microsoft, Twitch, Outlook, +12000
+ hCaptcha, ArkoseLabs FunCaptcha, ReCaptcha Enterprize supported in new XEvil 6.0!
1.) Fast, easy, precisionly
XEvil is the fastest captcha killer in the world. Its has no solving limits, no threads number limits
you can solve even 1.000.000.000 captchas per day and it will cost 0 (ZERO) USD! Just buy license for 59 USD and all!
2.) Several APIs support
XEvil supports more than 6 different, worldwide known API: 2Captcha, anti-captchas.com (antigate), RuCaptcha, DeathByCaptcha, etc.
just send your captcha via HTTP request, as you can send into any of that service – and XEvil will solve your captcha!
So, XEvil is compatible with hundreds of applications for SEO/SMM/password recovery/parsing/posting/clicking/cryptocurrency/etc.
3.) Useful support and manuals
After purchase, you got access to a private tech.support forum, Wiki, Skype/Telegram online support
Developers will train XEvil to your type of captcha for FREE and very fast – just send them examples
4.) How to get free trial use of XEvil full version?
– Try to search in Google “Home of XEvil”
– you will find IPs with opened port 80 of XEvil users (click on any IP to ensure)
– try to send your captcha via 2captcha API ino one of that IPs
– if you got BAD KEY error, just tru another IP
– enjoy! 🙂
– (its not work for hCaptcha!)
WARNING: Free XEvil DEMO does NOT support ReCaptcha, hCaptcha and most other types of captcha!
http://xrumersale.site/
XEvil 5.0 automatically solve most kind of captchas,
Including such type of captchas: ReCaptcha-2, ReCaptcha v.3, Hotmail (Microsoft), Google, Solve Media, BitcoinFaucet, Steam, Amazon, Twitter, Microsoft, Twitch, Outlook, +12k
+ hCaptcha, ArkoseLabs FunCaptcha, ReCaptcha Enterprize supported in new XEvil 6.0!
1.) Fast, easy, precisionly
XEvil is the fastest captcha killer in the world. Its has no solving limits, no threads number limits
you can solve even 1.000.000.000 captchas per day and it will cost 0 (ZERO) USD! Just buy license for 59 USD and all!
2.) Several APIs support
XEvil supports more than 6 different, worldwide known API: 2Captcha, anti-captchas.com (antigate), rucaptcha.com, death-by-captcha, etc.
just send your captcha via HTTP request, as you can send into any of that service – and XEvil will solve your captcha!
So, XEvil is compatible with hundreds of applications for SEO/SMM/password recovery/parsing/posting/clicking/cryptocurrency/etc.
3.) Useful support and manuals
After purchase, you got access to a private tech.support forum, Wiki, Skype/Telegram online support
Developers will train XEvil to your type of captcha for FREE and very fast – just send them examples
4.) How to get free trial use of XEvil full version?
– Try to search in Google “Home of XEvil”
– you will find IPs with opened port 80 of XEvil users (click on any IP to ensure)
– try to send your captcha via 2captcha API ino one of that IPs
– if you got BAD KEY error, just tru another IP
– enjoy! 🙂
– (its not work for hCaptcha!)
WARNING: Free XEvil DEMO does NOT support ReCaptcha, hCaptcha and most other types of captcha!
http://XEvil.Net/
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XEvil 5.0 automatically solve most kind of captchas,
Including such type of captchas: ReCaptcha v.2, ReCaptcha v.3, Hotmail, Google captcha, Solve Media, BitcoinFaucet, Steam, Amazon, Twitter, Microsoft, Twitch, Outlook, +12000
+ hCaptcha, ArkoseLabs FunCaptcha, ReCaptcha Enterprize supported in new XEvil 6.0!
1.) Fast, easy, precisionly
XEvil is the fastest captcha killer in the world. Its has no solving limits, no threads number limits
you can solve even 1.000.000.000 captchas per day and it will cost 0 (ZERO) USD! Just buy license for 59 USD and all!
2.) Several APIs support
XEvil supports more than 6 different, worldwide known API: 2captcha.com, anti-captcha (antigate), RuCaptcha, DeathByCaptcha, etc.
just send your captcha via HTTP request, as you can send into any of that service – and XEvil will solve your captcha!
So, XEvil is compatible with hundreds of applications for SEO/SMM/password recovery/parsing/posting/clicking/cryptocurrency/etc.
3.) Useful support and manuals
After purchase, you got access to a private tech.support forum, Wiki, Skype/Telegram online support
Developers will train XEvil to your type of captcha for FREE and very fast – just send them examples
4.) How to get free trial use of XEvil full version?
– Try to search in Google “Home of XEvil”
– you will find IPs with opened port 80 of XEvil users (click on any IP to ensure)
– try to send your captcha via 2captcha API ino one of that IPs
– if you got BAD KEY error, just tru another IP
– enjoy! 🙂
– (its not work for hCaptcha!)
WARNING: Free XEvil DEMO does NOT support ReCaptcha, hCaptcha and most other types of captcha!
http://XEvil.Net/
XEvil 5.0 automatically solve most kind of captchas,
Including such type of captchas: ReCaptcha-2, ReCaptcha-3, Hotmail (Microsoft), Google, SolveMedia, BitcoinFaucet, Steam, Amazon, Twitter, Microsoft, Twitch, Outlook, +12k
+ hCaptcha, ArkoseLabs FunCaptcha, ReCaptcha Enterprize supported in new XEvil 6.0!
1.) Fast, easy, precisionly
XEvil is the fastest captcha killer in the world. Its has no solving limits, no threads number limits
you can solve even 1.000.000.000 captchas per day and it will cost 0 (ZERO) USD! Just buy license for 59 USD and all!
2.) Several APIs support
XEvil supports more than 6 different, worldwide known API: 2Captcha, anti-captcha (antigate), rucaptcha.com, DeathByCaptcha, etc.
just send your captcha via HTTP request, as you can send into any of that service – and XEvil will solve your captcha!
So, XEvil is compatible with hundreds of applications for SEO/SMM/password recovery/parsing/posting/clicking/cryptocurrency/etc.
3.) Useful support and manuals
After purchase, you got access to a private tech.support forum, Wiki, Skype/Telegram online support
Developers will train XEvil to your type of captcha for FREE and very fast – just send them examples
4.) How to get free trial use of XEvil full version?
– Try to search in Google “Home of XEvil”
– you will find IPs with opened port 80 of XEvil users (click on any IP to ensure)
– try to send your captcha via 2captcha API ino one of that IPs
– if you got BAD KEY error, just tru another IP
– enjoy! 🙂
– (its not work for hCaptcha!)
WARNING: Free XEvil DEMO does NOT support ReCaptcha, hCaptcha and most other types of captcha!
http://XEvil.Net/
XEvil 6.0 automatically solve most kind of captchas,
Including such type of captchas: ReCaptcha v.2, ReCaptcha v.3, Hotmail, Google, SolveMedia, BitcoinFaucet, Steam, Amazon, Twitter, Microsoft, Twitch, Outlook, +12k
+ hCaptcha, ArkoseLabs FunCaptcha, ReCaptcha Enterprize supported in new XEvil 6.0!
1.) Fast, easy, precisionly
XEvil is the fastest captcha killer in the world. Its has no solving limits, no threads number limits
you can solve even 1.000.000.000 captchas per day and it will cost 0 (ZERO) USD! Just buy license for 59 USD and all!
2.) Several APIs support
XEvil supports more than 6 different, worldwide known API: 2captcha.com, anti-captcha (antigate), RuCaptcha, death-by-captcha, etc.
just send your captcha via HTTP request, as you can send into any of that service – and XEvil will solve your captcha!
So, XEvil is compatible with hundreds of applications for SEO/SMM/password recovery/parsing/posting/clicking/cryptocurrency/etc.
3.) Useful support and manuals
After purchase, you got access to a private tech.support forum, Wiki, Skype/Telegram online support
Developers will train XEvil to your type of captcha for FREE and very fast – just send them examples
4.) How to get free trial use of XEvil full version?
– Try to search in Google “Home of XEvil”
– you will find IPs with opened port 80 of XEvil users (click on any IP to ensure)
– try to send your captcha via 2captcha API ino one of that IPs
– if you got BAD KEY error, just tru another IP
– enjoy! 🙂
– (its not work for hCaptcha!)
WARNING: Free XEvil DEMO does NOT support ReCaptcha, hCaptcha and most other types of captcha!
http://XEvil.Net/
XEvil 5.0 automatically solve most kind of captchas,
Including such type of captchas: ReCaptcha v.2, ReCaptcha v.3, Hotmail, Google, SolveMedia, BitcoinFaucet, Steam, Amazon, Twitter, Microsoft, Twitch, Outlook, +12k
+ hCaptcha, ArkoseLabs FunCaptcha, ReCaptcha Enterprize supported in new XEvil 6.0!
1.) Fast, easy, precisionly
XEvil is the fastest captcha killer in the world. Its has no solving limits, no threads number limits
you can solve even 1.000.000.000 captchas per day and it will cost 0 (ZERO) USD! Just buy license for 59 USD and all!
2.) Several APIs support
XEvil supports more than 6 different, worldwide known API: 2captcha.com, anti-captcha (antigate), rucaptcha.com, death-by-captcha, etc.
just send your captcha via HTTP request, as you can send into any of that service – and XEvil will solve your captcha!
So, XEvil is compatible with hundreds of applications for SEO/SMM/password recovery/parsing/posting/clicking/cryptocurrency/etc.
3.) Useful support and manuals
After purchase, you got access to a private tech.support forum, Wiki, Skype/Telegram online support
Developers will train XEvil to your type of captcha for FREE and very fast – just send them examples
4.) How to get free trial use of XEvil full version?
– Try to search in Google “Home of XEvil”
– you will find IPs with opened port 80 of XEvil users (click on any IP to ensure)
– try to send your captcha via 2captcha API ino one of that IPs
– if you got BAD KEY error, just tru another IP
– enjoy! 🙂
– (its not work for hCaptcha!)
WARNING: Free XEvil DEMO does NOT support ReCaptcha, hCaptcha and most other types of captcha!
http://xrumersale.site/
XEvil 6.0 automatically solve most kind of captchas,
Including such type of captchas: ReCaptcha v.2, ReCaptcha v.3, Hotmail (Microsoft), Google captcha, SolveMedia, BitcoinFaucet, Steam, Amazon, Twitter, Microsoft, Twitch, Outlook, +12k
+ hCaptcha, ArkoseLabs FunCaptcha, ReCaptcha Enterprize supported in new XEvil 6.0!
1.) Fast, easy, precisionly
XEvil is the fastest captcha killer in the world. Its has no solving limits, no threads number limits
you can solve even 1.000.000.000 captchas per day and it will cost 0 (ZERO) USD! Just buy license for 59 USD and all!
2.) Several APIs support
XEvil supports more than 6 different, worldwide known API: 2Captcha, anti-captcha (antigate), rucaptcha.com, DeathByCaptcha, etc.
just send your captcha via HTTP request, as you can send into any of that service – and XEvil will solve your captcha!
So, XEvil is compatible with hundreds of applications for SEO/SMM/password recovery/parsing/posting/clicking/cryptocurrency/etc.
3.) Useful support and manuals
After purchase, you got access to a private tech.support forum, Wiki, Skype/Telegram online support
Developers will train XEvil to your type of captcha for FREE and very fast – just send them examples
4.) How to get free trial use of XEvil full version?
– Try to search in Google “Home of XEvil”
– you will find IPs with opened port 80 of XEvil users (click on any IP to ensure)
– try to send your captcha via 2captcha API ino one of that IPs
– if you got BAD KEY error, just tru another IP
– enjoy! 🙂
– (its not work for hCaptcha!)
WARNING: Free XEvil DEMO does NOT support ReCaptcha, hCaptcha and most other types of captcha!
http://xrumersale.site/
XEvil 6.0 automatically solve most kind of captchas,
Including such type of captchas: ReCaptcha-2, ReCaptcha-3, Hotmail, Google, SolveMedia, BitcoinFaucet, Steam, Amazon, Twitter, Microsoft, Twitch, Outlook, +12k
+ hCaptcha, ArkoseLabs FunCaptcha, ReCaptcha Enterprize supported in new XEvil 6.0!
1.) Fast, easy, precisionly
XEvil is the fastest captcha killer in the world. Its has no solving limits, no threads number limits
you can solve even 1.000.000.000 captchas per day and it will cost 0 (ZERO) USD! Just buy license for 59 USD and all!
2.) Several APIs support
XEvil supports more than 6 different, worldwide known API: 2Captcha, anti-captcha (antigate), RuCaptcha, DeathByCaptcha, etc.
just send your captcha via HTTP request, as you can send into any of that service – and XEvil will solve your captcha!
So, XEvil is compatible with hundreds of applications for SEO/SMM/password recovery/parsing/posting/clicking/cryptocurrency/etc.
3.) Useful support and manuals
After purchase, you got access to a private tech.support forum, Wiki, Skype/Telegram online support
Developers will train XEvil to your type of captcha for FREE and very fast – just send them examples
4.) How to get free trial use of XEvil full version?
– Try to search in Google “Home of XEvil”
– you will find IPs with opened port 80 of XEvil users (click on any IP to ensure)
– try to send your captcha via 2captcha API ino one of that IPs
– if you got BAD KEY error, just tru another IP
– enjoy! 🙂
– (its not work for hCaptcha!)
WARNING: Free XEvil DEMO does NOT support ReCaptcha, hCaptcha and most other types of captcha!
http://XEvil.Net/
XEvil 5.0 automatically solve most kind of captchas,
Including such type of captchas: ReCaptcha-2, ReCaptcha-3, Hotmail, Google captcha, Solve Media, BitcoinFaucet, Steam, Amazon, Twitter, Microsoft, Twitch, Outlook, +12k
+ hCaptcha, ArkoseLabs FunCaptcha, ReCaptcha Enterprize supported in new XEvil 6.0!
1.) Fast, easy, precisionly
XEvil is the fastest captcha killer in the world. Its has no solving limits, no threads number limits
you can solve even 1.000.000.000 captchas per day and it will cost 0 (ZERO) USD! Just buy license for 59 USD and all!
2.) Several APIs support
XEvil supports more than 6 different, worldwide known API: 2captcha.com, anti-captcha (antigate), rucaptcha.com, DeathByCaptcha, etc.
just send your captcha via HTTP request, as you can send into any of that service – and XEvil will solve your captcha!
So, XEvil is compatible with hundreds of applications for SEO/SMM/password recovery/parsing/posting/clicking/cryptocurrency/etc.
3.) Useful support and manuals
After purchase, you got access to a private tech.support forum, Wiki, Skype/Telegram online support
Developers will train XEvil to your type of captcha for FREE and very fast – just send them examples
4.) How to get free trial use of XEvil full version?
– Try to search in Google “Home of XEvil”
– you will find IPs with opened port 80 of XEvil users (click on any IP to ensure)
– try to send your captcha via 2captcha API ino one of that IPs
– if you got BAD KEY error, just tru another IP
– enjoy! 🙂
– (its not work for hCaptcha!)
WARNING: Free XEvil DEMO does NOT support ReCaptcha, hCaptcha and most other types of captcha!
http://xrumersale.site/
XEvil 5.0 automatically solve most kind of captchas,
Including such type of captchas: ReCaptcha v.2, ReCaptcha v.3, Hotmail (Microsoft), Google captcha, Solve Media, BitcoinFaucet, Steam, Amazon, Twitter, Microsoft, Twitch, Outlook, +12000
+ hCaptcha, ArkoseLabs FunCaptcha, ReCaptcha Enterprize supported in new XEvil 6.0!
1.) Fast, easy, precisionly
XEvil is the fastest captcha killer in the world. Its has no solving limits, no threads number limits
you can solve even 1.000.000.000 captchas per day and it will cost 0 (ZERO) USD! Just buy license for 59 USD and all!
2.) Several APIs support
XEvil supports more than 6 different, worldwide known API: 2Captcha, anti-captchas.com (antigate), rucaptcha.com, death-by-captcha, etc.
just send your captcha via HTTP request, as you can send into any of that service – and XEvil will solve your captcha!
So, XEvil is compatible with hundreds of applications for SEO/SMM/password recovery/parsing/posting/clicking/cryptocurrency/etc.
3.) Useful support and manuals
After purchase, you got access to a private tech.support forum, Wiki, Skype/Telegram online support
Developers will train XEvil to your type of captcha for FREE and very fast – just send them examples
4.) How to get free trial use of XEvil full version?
– Try to search in Google “Home of XEvil”
– you will find IPs with opened port 80 of XEvil users (click on any IP to ensure)
– try to send your captcha via 2captcha API ino one of that IPs
– if you got BAD KEY error, just tru another IP
– enjoy! 🙂
– (its not work for hCaptcha!)
WARNING: Free XEvil DEMO does NOT support ReCaptcha, hCaptcha and most other types of captcha!
http://xrumersale.site/
https://b52.name