Stay ConnectedA show about why health care costs so freaking much, and what we can (maybe) do about it. Hosted by award-winning reporter Dan Weissmann (Marketplace, 99 Percent Invisible, Planet Money, Reveal).
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Several listeners sent us an article with the headline Make your health insurance cry, about a new AI tool to fight health insurance. We had to learn more.
Meet Holden Karau: a Bay Area software engineer who says she’s “trying to make health insurance suck a little bit less.”
So she’s created an AI tool to appeal insurance denials.
Her project, Fight Health Insurance, is a labor of love (she’s not earning money from it) and fueled by hatred (of insurance companies).
It draws on her tech expertise and on her years of experience fighting health insurance: for gender-affirming care, for rehab after getting hit by a car, and even for her dog, Professor Timbit.
We talked with Holden about what it took to build the tool, how it works, and what she hopes comes next.
Here’s a transcript of this episode.
Send your stories and questions. Or call 724 ARM-N-LEG.
Of course we’d love for you to support this show. This month, every dollar you give gets matched dollar-for-dollar, by NewsMatch, from the Institute for Nonprofit News.
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Something different: We talk with journalist Cara Anthony about topics that don’t always come up in conversations about the cost of health care.
For the last four years, she’s been reporting on the public health effects of racism, violence, and intergenerational trauma in a small Missouri town.. The result: A new documentary and podcast series called Silence in Sikeston.
She sat down with us to talk about the value of breaking silences and the possibility for healing.
Here’s a transcript of this episode.
Send your stories and questions. Or call 724 ARM-N-LEG.
Of course we’d love for you to support this show.
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We're sharing an episode of “To See Each Other,” about a question that’s SUPER-relevant to this show: How do we pay for long-term care, like nursing homes?
To See Each Other aims to complicate the narrative about small-town Americans. In this new season, host George Goehl heads to Lincoln County, Wisconsin — population, 28,000-and-some. And home to a publicly-run nursing home with a 5-star quality rating from the feds.
A conservative county board plans to sell the home to a private operator, but senior citizens aren’t having it. They show up to board meetings, march in the Labor Day parade, and fight with… their last breath.
George goes deep into questions of aging in America, public versus private versions of long-term care, and the nuts and bolts of organizing. The show aims to put you in a fighting mood, and to think differently about aging.
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An $88 “observation room” fee for a check-up didn’t sit right with Kari Greene, a listener from Oregon. When the price went up to $99 the next year, Kari complained to her benefits rep; they thought it was weird, too — but couldn’t do anything about it.
In states like Connecticut and Indiana, legislators are trying to do something about fees like these – often called “facility fees.”
In this episode, we go deep on Kari’s bill, one of dozens that listeners have shared with us over the past few months.
And we talk with Christine Monahan, a researcher and attorney who knows more about facility fees — and state efforts to limit them — than any other expert in the country.
Here’s a transcript of this episode.
Send your stories and questions. Or call 724 ARM-N-LEG.
Of course we’d love for you to support this show.
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What happens when a hospital gets hit by a ransomware attack? We’re sharing an episode from a podcast called Click Here that takes us inside the aftermath of a cyber attack on a rural hospital in Oregon.
The story starts the minute the hospital’s IT director finds out they’ve been hacked, and follows him and his colleagues as they scramble to keep the place running while they try to get it back online.
It’s a fascinating adventure, and it gives us a window into the growing problem of cyberattacks in health care – why places like hospitals have become such a major target for cyber-criminals and how the industry is dealing with it.
Click Here is a bi-weekly tech news podcast from Recorded Future News, hosted by Dina Temple-Raston.
We’ll be back with more episodes of An Arm and a Leg in a few weeks.
Send your stories and questions. Or call 724 ARM-N-LEG.
Of course we’d love for you to support this show.
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Caitlyn Mai expected her share of a recent surgery bill to be about $2,000, with insurance covering the rest.
Then she started getting alerts on her phone from the hospital that she owed $139,000 — the full cost of her surgery.
But Caitlyn, a legal assistant in Oklahoma, instinctively knew a cardinal rule of the American healthcare system — “never pay the first bill.”
It’s a lesson we first heard from the journalist Marshall Allen, whose 2021 book Never Pay the First Bill serves as a how-to guide for anyone facing down a potentially bogus medical bill, and whose passing earlier this year left a giant hole in the hearts of many.
This episode is an extended version of a recent installment of the NPR and KFF Health News series Bill of the Month.
Here’s a transcript of this episode.
Send your stories and questions. Or call 724 ARM-N-LEG.
Of course we’d love for you to support this show.
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We’re starting a new investigation and need your help. We’re looking into something we’ve talked about a lot on this show: hospital financial assistance – also known as “charity care” — which most hospitals are legally required to offer.
Something like 60 percent of people might qualify to have their hospital bills reduced or even forgiven through charity care — but of course nowhere close to 60 percent of people actually get that assistance.
A lot of people just don’t know about it. (A survey our friends at Dollar For ran last year found that more than half of patients who might qualify for charity care had never even heard of it.)
Which raises a question: How exactly are hospitals telling you and me about charity care — you know fulfilling their legal obligation to let us know we just might qualify to have our medical bill forgiven?
This is where you come in: we want to see a LOT of bills from hospitals. If you got one any time in the last year would you please you share it with us here?
Even if you weren’t worried about how you’d pay — we just want to see what your hospital was saying about your options (like payment plans vs charity care). We want to see what’s in bold type and what’s in fine print.
And if you were at all worried about how to pay, we’d like to hear the story. Did anyone mention charity care to you? Or what? And how’s it going?
We also need your help spreading the word to friends and family. Spread the word to your friends and family, share our form with them.
Finally, if you’re looking for charity care support, or just to see if you might qualify, you can go to Dollar For’s website and use their screening tool to see if you’re eligible, and their team of amazing volunteers can take it from there. And you can find more information on charity care in our First Aid Kit newsletter.
That’s all for now. Here's a transcript of this short episode. We’ll be back with more new episodes in a few weeks.
In the meantime, you can send us other stories and questions. Or call 724 ARM-N-LEG.
Of course we’d love for you to support this show.
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Georgann Boatright's local hospital told her she'd need to pay an $8,000 "operating room" charge for a test she was pretty darn sure wouldn't involve an operating room. So she went elsewhere, even though it meant driving to another state.
Avoiding that charge required more than just a willingness to go — literally — way out of her way. Georgann Boatright has knowledge, skills, and grit that most of us don't — although we can maybe learn a thing or two from her.
More and more, people are noticing sneaky new fees like the one Georgann spotted. They’re often called “facility fees,” and they’re kind of like a cover charge for walking through the door.
Hospitals say these fees go toward overhead on facilities with lots of specialized equipment —places like emergency rooms. But these fees have been increasing in recent years — and becoming more common: As hospitals buy up doctor’s offices, patients are starting to see them tacked onto bills for routine trips to the doctor.
We asked you to send us stories about facility fees. We heard from a ton of you and learned so much.
We’ve got lots of stories to share. And we’re starting with this epic tale — which also involves the biggest facility fee charge we saw in all your submissions.
Here’s a transcript of this episode.
Send your stories and questions. Or call 724 ARM-N-LEG.
Of course we’d love for you to support this show.
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For months now, you’ve been sharing stories with us about facility fees, those sneaky fees that keep showing up on your medical bills.
Facility fees are kind of like a cover charge for visiting a health care facility, usually one owned by a hospital. And many of you have been blindsided by them.
Some of you have been going to the same place for years, only to one day get a brand new charge, seemingly out of nowhere. Many of you only found out about a facility fee after the fact, while some of you managed to avoid one by going somewhere else. Pretty much all of you were vexed, confused, and wanted answers.
Next week, we’ll start unpacking these stories, starting with one that’s particularly epic.
Stay tuned!
In the meantime, got a story or tip you want to share? Send your stories and questions. Or call 724 ARM-N-LEG.
And of course we’d love for you to support this show.
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Folks who expected their health insurance to cover some out-of-network care have been getting stuck with enormous bills instead. Like one couple from Kansas City: Their insurance hung them out to dry for thousands of dollars, all while sending statements touting a “discount” the couple was supposedly getting.
Turned out: A middleman was cutting their coverage — actually a middleman’s middleman — working with their insurance company. The couple’s insurer got the “discount,” and the middlemen got big fees.
And of course this couple wasn’t alone. A recent New York Times investigation from reporter Chris Hamby documented and explained this Russian-nesting-dolls-of-middlemen scheme.
Insurance companies (middleman #1) work with a with a company called MultiPlan (middleman #2), which slashes the amounts the insurance plans actually pay for care.
To show how it all works — and what we can maybe do about it — we dive into the hidden mechanics of health insurance.
Here's a transcript of this episode.
Send your stories and questions. Or call 724 ARM-N-LEG.
Of course we’d love for you to support this show.
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We take our first look at Medicaid— the big, federally-funded health insurance program for folks with lower incomes— for two reasons:
First, it’s a huge part of our health-care system. Medicaid covers a quarter of all Americans, and four in ten children.
Second, it’s timely: In the last year, more than 20 million people have lost Medicaid — even though there’s evidence to suggest a lot of those people probably still qualify.
More than two-thirds have been dropped for “procedural reasons” — basically, missing paperwork.
Of folks who’ve been dropped, 70 percent have ended up either uninsured, or — in most cases — back on Medicaid.
This is all because of a process called “the unwinding” of COVID-emergency protections that kept folks from getting dropped at all for a few years. It’s been messy.
We’ve been hearing the stories of folks who got dropped, and their fights to get re-enrolled.
In this episode, we hear about two families in Tennessee who lost coverage they were entitled to — including one family who lost their coverage after their mail got sent to a horse pasture — with help from KFF Health News reporter Brett Kelman.
Here’s a transcript of this episode.
Send your stories and questions. Or call 724 ARM-N-LEG.
Of course we’d love for you to support this show.
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We’re launching a brand new project and need your help!
We’re zooming in on charges that are becoming more and more common on your medical bills: facility fees.
Facility fees are charges tacked onto your bill for visiting a doctor’s office or clinic related to a hospital or larger health care system… or even talking with a doctor who’s in one of those places on a telehealth visit.
If you’ve ever seen a charge for a facility fee on your medical bill, we want to hear from you.
... and if you haven't, we'd love your help spreading the word!
Consider sharing our posts on any of these networks:
Instagram | TikTok | Facebook | Ex-Twtitter | LinkedIn
We’ll be back with more new episodes in a few weeks.
In the meantime, send your stories and questions. Or call 724 ARM-N-LEG.
And of course we’d love for you to support this show.
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When a subsidiary of the giant UnitedHealth Group got hit by a cyberattack recently, a big chunk of the country’s doctors, pharmacists, hospitals and therapists just stopped getting paid.
It’s been a huge disruption, with some providers wondering if they can keep their doors open.
But thanks to their huge size and reach, the situation may have had a silver lining — for United.
Which seems like a big problem, and got us wondering: What can we maybe do about it?
The answer turns out to be: Maybe more than we think, via antitrust enforcers at the Federal Trade Commission and the U.S. Department of Justice.
Strap in for a wild ride — and then maybe check out FTC Chair Lina Khan’s talk with Jon Stewart on The Daily Show. We include some short excerpts, but the whole thing is worth a watch.
Thanks to reporters Brittany Trang (STAT News) and Maureen Tkacik (The American Prospect) for guiding us through their reporting.
And to the novelist/journalist/activist Cory Doctorow, who has been writing about antitrust enforcement for years. Here are a couple of his columns about Lina Khan and what she and other antitrust enforcers are up to.
If you want a deeper dive on the new antitrust movement: It’s summed up in a terrific (and short) book by Tim Wu, a Columbia University law professor and former White House adviser: The Curse of Bigness: Antitrust in the New Gilded Age.
And you may be able to get it for free! If your local library uses a system called Hoopla, you can borrow it as either an audiobook or an ebook.
Super-fun tangent: Cory Doctorow and Tim Wu went to elementary school together — and apparently played a lot of Dungeons and Dragons — when they were kids in Toronto.
Here’s a transcript of this episode.
Send your stories and questions. Or call 724 ARM-N-LEG.
And of course we’d love for you to support this show.
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Reporter Bob Herman from STAT News unpacks his blockbuster investigation about the country’s biggest health care company.
Covering the American health care system means we tell some scary stories. But this episode is almost like a horror movie.
It’s got some of Hollywood’s favorite tropes: Machines taking over. Monsters from separate franchises meeting face to face in a new movie, like Godzilla and King Kong, or Jason and Freddy. And a couple perceptive folks warning everyone, ”Hey, look, something really bad is happening!”
Those folks are Bob and his STAT News colleague Casey Ross. The monsters are United HealthGroup — a “behemoth” as one expert called them in an episode from last year — and Medicare Advantage, which we looked at in our last episode. And the “machines” belong to United.
Bob describes what some of United’s own employees said about the result: “For some of us, it's creating this moral crisis. Like we know that we are having to listen to an algorithm to essentially kick someone out of a nursing home, even though we know that they can barely walk 20 feet.”
Scary stuff. But Bob and Casey’s reporting has caught the eye of some powerful people in government, and right now, Medicare Advantage plans are on notice from the federal Centers for Medicare and Medicaid Services, the U.S. Senate is holding hearings, and the Department of Justice reportedly has an anti-trust investigation in the works.
Here’s a transcript of this episode.
Send your stories and questions. Or call 724 ARM-N-LEG.
And of course we’d love for you to support this show.
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Health insurance sucks. Which leaves lots of us counting down the days until we turn 65 and can get on Medicare – the federal government’s health insurance program for seniors.
But Medicare is a lot more complicated – and costs more money – than a lot of us realize. (Also, it involves insurance companies.) And:t There will be huge, complicated decisions to make when you turn 65, that can have huge consequences.
The biggest, and most consequential: Choosing between original Medicare and Medicare Advantage – the privatized version sold by health insurance companies that’s advertised everywhere seniors look.
Some folks who pick Medicare Advantage later regret it — but find there are no do-overs.
We get the scoop from Reporter Sarah Jane Tribble, who’s been covering the story for KFF Health News and the Washington Post.
And we get a preview: What do we all need to know before we hit 65 about the choices we’ll face? There are a lot of options, and a lot of price tags. Sarah Murdoch from the Medicare Right Center gives us an outline of those choices and their consequences — and supplies both tips and resources.
The biggest: When it’s time for you -- or anyone you care about -- to make choices around Medicare, every state has a free source of unbiased advice and information: Here’s a link to find your State Health Insurance Assistance Program (or SHIP).
Here’s a transcript of this episode.
Send your stories and questions. Or call 724 ARM-N-LEG.
And of course we’d love for you to support this show.
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A listener wrote to us at the beginning of the year with a query, “I was just reading the news about the price of insulin going down to $35! Is that for everyone?”
It turns out, there is a lot of good news about the so-called “poster child” for the high cost of prescription drugs. But to say it costs $35 now is an oversimplification – and diabetes activists don’t think this fight is over.
Senior producer and self-proclaimed “insulin correspondent” Emily Pisacreta took a hard look at the recent developments.
Plus, what does the explosion of drugs like Ozempic and Wegovy have to do with the price of insulin? We break it down.
Here’s a transcript of this episode.
Send your stories and questions. Or call 724 ARM-N-LEG.
And of course we’d love for you to support this show.
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Dealing with the American health care system as a patient means lots of tough moments – unexpected bills, meds not covered, insurance and hospitals making you go back and forth without a clear answer, endless hold times and phone trees… the list goes on.
So listeners ask us all the time: How do I stay strong and fight for my rights without totally losing my s---?
We’re bringing back one of our most useful episodes ever: How to keep your cool in a tough moment, according to a self defense expert.
In late 2020, Dan hit up self defense expert Lauren Taylor to get strategies for standing up for yourself, and hear how she’s applied her approach in her own fight for health care coverage.
Since then, she’s published a book! It’s called Get Empowered: A Practical Guide to Thrive, Heal, and Embrace Your Confidence in a Sexist World.
Extra tip: At the moment, the site bookshop.org, which supports independent bookstores, has the best price.
Here’s a transcript of this episode.
Send your stories and questions. Or call 724 ARM-N-LEG.
And of course we’d love for you to support this show.
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Real quick: Now's the best time to support this show! Thanks to a few super-star Arm and a Leg listener/donors, your donation is matched two for one right now. Here's the link to donate.
Ok, now: We’ve got a mini-episode for you today, a four-minute coda to the epic story we brought you in December.
It features a last tip for anyone who might want to ask a hospital about charity care — which, as we learned from these recent stories, is most of us.
And it comes with my big thanks for being part of this show’s community this year. You’re our reason for being, and our best sources.
You’re also our biggest source of financial support, so I will ask one more time to pitch in now if you can.
Thank you so much! We'll catch you in 2024.
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Hey! The BEST time to support this show with a donation just got even better. Right now, any gift you make, up to $1,000, will be matched TWO for ONE, thanks to a few super-generous Arm and a Leg fans who’ve pooled their dough. . It’s a great deal, and it will set us up to kick maximum butt in 2024. Here’s the link, go for it!
And… are you ready for our most-ambitious story yet? We’ve been working on this investigation all year, with our partners at Scripps News and the Baltimore Banner.
With those partners, we’ve dug up some surprising (and possibly uplifting) news about lawsuits in three states – Maryland, New York and Wisconsin — and what that news might mean for the rest of the country.
This is part two of a two-part series. In part one, we examined the phenomenon of hospitals suing patients in bulk – sometimes hundred or thousands at a time – over unpaid bills.
We learned that in many cases, those patients are struggling financially, and that the lawsuits aren’t very lucrative for hospitals anyway. So why did they happen in the first place? As one former collections industry insider told us, those decisions are “philosophically based.”
In this episode — before getting to those surprising/hopeful findings — we try to understand that “philosophy,” perhaps best described as: business-as-usual. We speak with a former hospital billing executive and a representative from the third-party collections industry.
This series is produced in partnership with the McGraw Center for Business Journalism at the Craig Newmark Graduate School of Journalism at the City University of New York.
… and supported by the Fund for Investigative Journalism.
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Hey, it’s the BEST time to support this show with a donation. Thanks to NewsMatch, any gift you make, up to $1,000, will be doubled. It’s a great deal, and it will set us up to kick maximum butt in 2024. Here’s the link, go for it!
We’ve been working on this investigation all year, with our partners at Scripps News and the Baltimore Banner.
For years, we’ve been hearing about hospitals suing patients over unpaid medical bills – sometimes even in bulk, by the hundreds or thousands at a time.
Many of the patients getting sued are already facing financial hardship, or like one couple we interviewed, already in bankruptcy.
Judgments against patients in these suits can be life changing. But according to experts, these lawsuits don’t recoup a ton of lost revenue for hospitals. So why do they happen? And what if hospitals stopped doing it completely?
In this episode, we talk to a former sales rep for a medical-debt collections agency — who now steers hospitals away from efforts to collect money, via lawsuits or other means, from folks who just don’t have it.
He tells hospitals: This is better for your bottom line.
Stay tuned for part two, coming in two weeks.
… and to preview some of what’s in it — plus a whole lot more excellent reporting — check out the Baltimore Banner’s story: Maryland hospitals stopped suing patients with unpaid bills. Will they start again?
This series is produced in partnership with the McGraw Center for Business Journalism at the Craig Newmark Graduate School of Journalism at the City University of New York.
… and supported by the Fund for Investigative Journalism.
OOH: And don’t forget. It’s prime time to make a donation and support this show.
Here’s a transcript of this episode.
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Last fall, actor-writers Ellen Haun and Dru Johnston were hustling to get their health insurance sorted out for 2023. To qualify for insurance through the actor’s union, SAG-AFTRA, Ellen would have to book a little more work — doable, but not a sure bet.
So they came up with a plan: crowdfund a bunch of money to make a short film, starring Ellen … called “Ellen Needs Insurance,” of course.
It worked! And the movie, a 13-minute comedy, is terrific.
Ellen and Dru sat down with us to go over how they made the whole thing happen, and how this year’s Hollywood strikes changed their perspectives.
Here’s a transcript of this episode.
ALSO: Hey, it’s the BEST time to support this show with a donation. Thanks to NewsMatch, any gift you make, up to $1,000, will be doubled. It’s a great deal, and it will set us up to kick maximum butt in 2024. Here’s the link, go for it!
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In 2019, Dr. Luke Messac was a medical resident who found himself spending his day off in a courthouse archive. He’d heard about hospitals suing their own patients over unpaid medical bills. He wanted to know if the hospitals he worked in were doing the same. They were.
Trained as a historian, Messac then set out to trace the history of this phenomenon, and the story of medical debt in the U.S.
His new book, Your Money or Your Life is the result of that research.
Luke Messac sat down with us for a chat about how he got interested in medical debt, how medical debt became the massive problem it is today, and what he thinks people who work in health care can do to start to fix it.
ALSO: Hey, it’s the BEST time to support this show with a donation. Thanks to NewsMatch, any gift you make, up to $1,000, will be doubled. It’s a great deal, and it will set us up to kick maximum butt in 2024.
Here’s the link, go for it!
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First: an update on our recent two-parter with the writer John Green, about the global, decades-long fight to make an important tuberculosis drug more widely available.
Just two days after we posted part 2, the activists waging that battle scored a major victory. John Green was kvelling on YouTube, of course. We’ll get you up to speed.
And for the meat of this episode, we’ve got a guest a lot of you have been asking for: Physician/comedian Will Flanary, AKA Dr. Glaucomflecken.
His punchy videos satirizing the absurdities and cruel complexities of the American health care system have been a fan favorite for years among An Arm and a Leg listeners (and us too).
We’re sharing a delightful and moving conversation with Dr. G and his wife, educator Kristin Flanary (AKA @LadyGlaucomflecken online), from our pals at The Nocturnists, a podcast about the experiences of health care workers.
As the Glaucomfleckens tell Nocturnists host Dr. Emily Silverman, the inspiration behind Flanary’s most biting videos. came from the couple’s experience dealing with health insurance after he suffered a near-fatal heart attack.
Check out the Nocturnists here or wherever you get your podcasts, and Dr. Glaucomflecken’s videos on TikTok, Instagram, and YouTube.
Send your stories and questions for An Arm and a Leg, or call 724 ARM-N-LEG.
And of course we'd love for you to support this show.
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This is part two of our globe-spanning story about drugs, patents, and YouTube megastar John Green.
Quick recap: In our last episode, we learned how writer and YouTube star John Green kicked up a fight with Johnson & Johnson over a medicine called bedaquiline. And appeared to score a victory.
Here, we dig into the backstory: How everything John Green and his fans won was built on activism going back 20 years, and spanning multiple continents.
All of it illustrates how pharma companies work the patent system to extend their legal monopolies on medicine way beyond the standard 20 years, and how that leads to high drug prices here and abroad.
And what we can maybe do about it.
This episode starts in 2004, when India began the process of changing its patent laws to align with global trade rules. Activists there managed to carve out exceptions to the law to prevent some of the worst patent abuses.
Fast forward to this year, when those legal safeguards become key to unlocking new doors in the fight against TB.
Meanwhile, the proponents of those Indian safeguards are here in the U.S., pushing for drug patent reform here. Which not only could help Americans, but also influence global standards.
Here's a transcript of this episode.
Send your stories and questions. Or call 724 ARM-N-LEG.
And of course we'd love for you to support this show.
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This episode is special. When we heard that widely-beloved writer John Green was rallying his online community around a fight over drug prices — and apparently making a difference — we were pumped. And this story took us in so many different directions: Literally around the world, and then straight back home.
The drug in question is bedaquiline, made by Johnson & Johnson. It treats drug-resistant tuberculosis, and its price has been a huge obstacle to getting it to places it’s needed most — primarily places far away from the U.S.
But the reason this TB drug costs so much overseas is also one of the main reasons that important drugs here are so expensive — drugs like insulin, Humira and… well, just about everything:
Legalistic patent games that pharma companies have mastered.
So, in addition to John Green — and yes, we talked with John Green — we also talked with one of the world’s leading experts on drug-patent games, Tahir Amin.
Also, John Green is a great storyteller. So hearing him tell the story of how he became obsessed with tuberculosis is bittersweet.
And in order to make sense of any of this, we had to dig into the story of how John Green and his brother Hank became (and remain) YouTube superstars.
For more than 16 years, they’ve been building a community of “nerdfighters” — nerds fighting to make the world a better place. It’s a profoundly sweet and fun story, and everything we’re trying to do here owes them a debt.
Oh, finally: This is, as you’re probably guessing by now, an epic story. It’s gonna take two full episodes of An Arm and a Leg to tell it all.
So, we hope you enjoy part one. There’s more coming in a few weeks.
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Hey there— our next story is gonna take a little more time to cook, but it is going to be SO worth it.
It involves John Green, author of The Fault in Our Stars — and yes, we've got an interview with him — and a global fight against multi-drug resistant tuberculosis.
... which turns out to be directly related to fights over the prices of drugs like insulin and humira in this country.
Meanwhile, let me recommend a story from ProPublica that's related to a story we did here a few months ago.
You might remember our recent episode about United HealthGroup, and how it's become a behemoth in recent years. That story started with a complaint from a doc in New York.
... who had a lot more tips than I could run down — or fit in one episode — and they weren't all just about United.
ProPublica's Cezary Podkul took the time to verify a big one: About zillions of dollars in fees that docs are paying — dollars that ultimately come out of our pockets — just to get paid.
Oh, and: If you aren't getting our First Aid Kit newsletter, this is a great time to sign up. We've started a series about how to fight with insurance that, unfortunately, a lot of us are gonna need at some point.
We'll be back in a few weeks, with John Green, TB, and the fight over drug prices.
Send your stories and questions. Or call 724 ARM-N-LEG.
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For a year and a half now, the No Surprises Act has protected patients from some of the most outrageous out-of-network medical bills. But Congress left something pretty crucial out of the law — bills from ground ambulances.
We look at just how wild ambulance bills can be, with a story about three siblings who took identical ambulance rides — from the same car wreck to the same hospital — and got completely different bills. (Thanks to Bram Sable-Smith who reported the story for the Bill of the Month, a series from NPR and KFF Health News.).
And we find out how ambulance bills ended up being so random — a story that takes us back to the 1970’s.
Plus, what you can do if you get hit with an out-of-network ambulance bill:
Want to share your thoughts on how Congress should deal with out-of-network ambulance bills? A federal advisory committee wants to hear them. You can email them here.
Here’s a transcript of this episode.
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If you’ve been told your insurance won’t cover your meds — or that you’re gonna have to pay an arm and a leg for them — you’ve met a PBM: a pharmacy benefits manager.
And: Experts say they play a big role in jacking up drug prices overall.
But how, exactly? We took a deep dive.
This episode first went out in 2019. We’re bringing it back because PBMs are in the news these days: Congress is targeting them, in an effort to to be seen doing something about prescription drug prices. And PBMs’ sometimes-rival, the powerful pharmaceutical industry lobby, is flooding the airwaves with ads attacking them.
There’s been a little news since 2019: Although Congress is still catching up, all 50 states have passed some laws pertaining to how PBMs work. We’ve got an update on that.
Here’s a transcript of this episode.
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And of course we’d love for you to support this show.
Correction: A previous version of this episode misidentified the parent company of Express Scripts.
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A listener’s doctor wanted her credit card info up front — before her appointment. She wondered: Do I need to give it to them? We did too.
After all, who wants the risk of being overcharged — and then having to fight for money back?
Experts gave us their best advice, including a couple of tricks to try, and a legal protection you may be able to rely on.
Meanwhile, Elisabeth Rosenthal, senior contributing editor at KFF Health News, filled us in on the rapid growth of medical debt as a financial product, including specialized credit cards and financing plans pushed by hospitals and other providers.
They can come with steep interest rates, and (surprise, surprise) the terms aren’t always spelled out clearly.
The federal Consumer Financial Protection Bureau has been issuing reports, including a handy FAQ, but hasn’t taken enforcement action in a decade.
Here’s a transcript of this episode.
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When a New York doctor tweeted recently about “payday loans” for doctors from a branch of UnitedHealth Group — which operates the giant insurance company UnitedHealthcare — we were intrigued.
Especially when we saw that the loan product — a “cash flow solution” for health care providers — was real.
The doctor’s tweet essentially accused UHG’s insurance arm of causing cash flow problems for providers in the first place, by denying claims and delaying payments — which echoes complaints we’ve heard over the years, and which the original tweet called “genius” — as in Evil Genius. When the boss who’s paying you late offers to front you money, at interest, to tide you over, it does sound like… a conflict of interest.
It turns out, because UnitedHealth Group is such a big, complex enterprise, it’s not quite that simple.
But UnitedHealth Group’s size and complexity turns out to be the story. The company has grown into a “behemoth,” running the country’s biggest insurance company, and becoming the biggest employer of doctors, while also running big parts of the business-side back end for big chunks of the health care ecosystem.
As one expert told us, “There's very little good news about what happens when these organizations. or these sectors of health care get bigger.” Costs and prices tend to go up, without a bump in quality.
And regulators, we learned, have struggled to keep up.
It’s a wild ride with a sobering conclusion — and very much worth taking.
As the expert who labeled United a behemoth wrote: “United has grown to its present immense scale largely without public knowledge.” Now we know. And knowledge is the beginning of power.
BONUS TIP: This story reminded us of themes and insights from novelist, journalist, and activist Cory Doctorow, especially his recent book Chokepoint Capitalism and his recent essays about the “enshittification” of online life.
We also like Cory’s novels a lot, and have learned a ton from them. They’re often called science fiction, but the tech is usually present-day, or about a month into the future. His latest, Red Team Blues, is a smart, fun techno-thriller.
Here’s a transcript of this episode.
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For lots of people, trying to access mental health treatment — like a therapist or a psychiatrist —is nothing short of a horror story. You could even call it a ghost story.
A “Ghost network” is what researchers and journalists call it when your insurance plan offers a list of “in-network” providers that turns out to be bogus.
Attorney Abigail Burman has studied this haunted phenomenon, and she’s become a part-time volunteer ghostbuster for people in her life. She’s here to share her tactics with us — including some key legal terms that can provide leverage.
Abigail has written up a guide to her strategy, and she’s given us permission to share it. You’ll find it — lightly edited, and with some additional insights from our talk with her, over on First Aid Kit.
Warning: No silver bullets here. It’s still really, really hard. But Abigail has definitely got some hard-won insights we can use.
Here’s a transcript of this episode.
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Before her surgery, a hospital told Lisa French she would end up owing them $1,337. After insurance paid them — more than they’d expected — the hospital billed her $229,000. And sued her for it.
Her case went all the way to the Colorado Supreme Court.
The questions before the court, and how they ruled, have potentially major implications for our legal rights when it comes to fighting unfair medical bills — and how some hospitals might be thinking about their next move.
Here’s a transcript of the episode.
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What if we had a decent, publicly-funded health system — available to everybody, with or without insurance? We’ve got one, says Dr. Ricardo Nuila. It’s where he works.
And it could be a model for the whole country. Yes, really.
That’s the pitch he makes in his new book, The People’s Hospital: Hope and Peril in American Medicine. It’s a love letter to Houston’s Ben Taub hospital, and an argument for bringing Ben Taub’s model — efficient, innovative, and cheap —to the rest of the country.
And if that seems unlikely in today’s political climate, well: Ben Taub’s wild origin story was plenty unlikely too.
That story takes us to the 1960’s, when Dutch novelist and playwright Jan de Hartog moved to Houston. He fell in love with the bustling, futuristic home of NASA and the Astrodome.
But he also discovered the city’s dreadful underside: a neglected charity hospital where largely African-American patients are left to seek health care in unsanitary and unsafe — hellish — conditions.
De Hartog and a group of Quaker volunteers waged a campaign to change that, and eventually found an unlikely ally who brought it over the finish line.
The People's Hospital is a heck of a book. We might want to start a book group someday, just to talk about it. If you want to grab a copy, here’s a link. (Or: Audiobook, or ebook.)
Here’s a transcript of the episode.
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The ER visit was quick and uneventful. The bill was $1,300. Our listener decided to push back. He didn't win, but he learned a lot — and so did we.
We had help, from an expert we met by visiting a Renaissance Fair — which we did in this very fun early episode. Kaelyn Globig, head of advocacy for the Rescu Foundation, is a medical-bill wizard, and no one has taught us more.
In this story, she teaches us how to find out what Medicare pays for a given procedure — here’s the guide she shared with us — and how to use that information.
We also got advice on dealing with debt collectors — when it makes sense to file a dispute — from April Kuenhoff, an attorney with the National Consumer Law Center.
She shared resources too. Here are sample letters — templates you can edit:
Here’s a transcript of the episode.
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“I sued a hospital in small claims court and lost — here’s what I learned.” That was the subject line for an email we got from listener Lauren Slemenda.
She wrote: “I feel like I won” — and we knew we needed to talk with her.
She wants to encourage more people to try taking providers to court over unfair bills.
“If everybody that they screw stands up,” she says, “They can't afford to pay a lawyer to defend against all of those [cases].”
It’s an interesting idea for sure — What if more people use small claims court to fight messed-up medical bills? Like, a lot more people? — and we’ll be exploring it in the coming months.
Meanwhile, Lauren’s story has lessons for all of us. For instance, even though she lost her case, she doesn’t expect to pay a cent.
Here’s a transcript of the episode.
Want to try some of Lauren’s tactics?
Looking up billing codes: The latest First Aid Kit newsletter is all about fact-checking medical bills and includes a section about examining billing codes. We'll go deeper on those codes in the next installment.
Dealing with debt collectors: We discussed knowing your rights when dealing with debt collectors with a couple of experts in this very-fun episode.
Lauren got her dealing-with-debt-collectors playbook from journalist and friend-of-the-show Marshall Allen. His book, Never Pay the First Bill, includes a template of a letter you can send to a debt collector, challenging them to document their claim.
Exploring small claims court: We first got tipped off to this aggressive approach in a story we re-played recently: Can They Freaking Do That?!?
... and followed up with the story of Jeffrey Fox, who successfully used small claims court to force a big hospital to refund a $2,000 charge. David vs. Goliath.
Send your stories and questions. Or call 724 ARM-N-LEG.
And of course we’d love for you to support this show.
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We’re kicking off the year with a throwback. We revisit a 2019 episode that opened up new possibilities for fighting back against outrageous medical bills — a theme we’ll spend a lot more time exploring this year
A listener named Miriam got a bill from a medical testing lab she’s never heard of, for $35. Then, a follow-up bill said if she didn’t pay up right away, that price was going up — WAY up: to $1,287.
Which raises the kind of question that comes up a LOT with medical billing: Can some random lab hit you up for money — and then threaten you with a late fee of more than $1,000??
We went to find out.
The answer: They can try. And a lot of the time, they’ll get away with it. But we found experts who explain how, sometimes, we can fight back— by threatening to take them to court.
If you’ve got the time and the moxie, these experts say you’re on solid legal ground, and you really can make the other side accept a fair offer.
We’ll come back to this idea next time. Meanwhile, here’s a 2020 episode with the story of a guy who took his local hospital to court, and won.
The original version of this story, from 2019, found us learning about a couple topics we went on to explored in more depth later: Surprise bills — which we got new legal protections from in 2022— and the role of private equity in health care, both how it’s been expanding, and how some doctors are trying to fight back.
Here's a transcript of this episode.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
And of course we’d love for you to support this show.
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The Arm and a Leg editorial team gathered to talk about the moments from 2022 that we’ll never forget — including when work collided with real life.
We’re so lucky we get to do this work, and we couldn’t do it without our community. From sending us your stories and questions, to supporting the show financially, our listeners and subscribers are what this show runs on. Thank you.
If you want to help us take on 2023, now is a great time to contribute. This month, every dollar you donate is DOUBLED, thanks to NewsMatch and the Institute for Nonprofit News. Holy cow, what a deal. Here, go for it.
Here’s a transcript of this episode.
Send your stories and questions or call 724 ARM-N-LEG.
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When a car hit Susan and knocked out a bunch of teeth, her health insurance was supposed to pay for her oral surgery, and she knew it. So why has she had to chase them for 18 months and counting?
Getting insurance to pay for anything dental is usually hard, but this had us asking ourselves… is it usually this hard?
We connected Susan with law professor Jacqueline Fox — who, when she was practicing law, fought insurers on behalf of patients. And who says Susan has “done everything right.”
We’ve started to wonder whether Susan’s troubles could be related to broader accusations against her insurer, Ambetter, the largest provider of plans on the Obamacare marketplace.
Here’s a transcript of this episode.
We’d love for you to support this show.
Now is a great time to do it. This month, every dollar you donate is DOUBLED, thanks to NewsMatch and the Institute for Nonprofit News.
Holy cow, what a deal. Here, go for it.
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A couple months ago, we started getting messages from listeners telling us: you gotta watch this video.
It’s a thirty minute YouTube video from a creator named Brian David Gilbert, and it’s probably the best video about health insurance we’ve ever seen.
Brian David Gilbert is best known for his highly-detailed, hilarious videos for Polygon, a media company about video games. But when he left that job to strike out on his own, he needed new health insurance. We talked with him about how that experience turned into one of the most difficult videos he’s ever made — and this is a guy whose old job had him tracing things like Zelda storylines across decades-long franchises.
You can watch the full video here.
Other delightful BDG creations discussed in this episode:
Special thanks to Wil Williams, Sarah Ballema, Josh Rubino, and Bea Bosco for adding their voices to this episode!
AND: We’d love for you to support this show. Now is a great time to do it. This month, every dollar you donate is DOUBLED, thanks to NewsMatch and the Institute for Nonprofit News. Holy cow, what a deal. Here, go for it.
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Since the Supreme Court overturned Roe v. Wade, abortion has been banned in more than a dozen states. As you choose your insurance plan for next year, you might be wondering: How does that affect my insurance plan? We learned two big things.
First: There’s no one answer (and few answers are settled yet). A lot depends on where you live, and where you work.
But second: For lots of people, for a long time, insurance has rarely been a help in accessing abortion. Most people pay cash. And lots of people can’t afford to.
But there are organizations who have been tackling this issue for decades — abortion funds.
We’re big fans of when regular people find a way to help each other survive this messed-up, profit-driven health care system — and abortion funds are a huge example of that kind of effort. There’s a lot we can learn from them.
We talk with Oriaku Njoko, executive director of the National Network of Abortion Funds, and Tyler Barbarin, a board member with the New Orleans Abortion Fund, to learn from their experience.
Here's a transcript of this episode.
We’d love for you to support this show. Now is a great time to do it. This month, every dollar you donate is DOUBLED, thanks to NewsMatch and the Institute for Nonprofit News. Holy cow, what a deal. Here, go for it.
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It’s open enrollment for 2023 health insurance for lots of folks — a time when you might find yourself asking: what good is health insurance anyway?
One listener wrote to us about his son, a student with no income. Dad asks, If the son could get charity care (financial assistance) at his local hospital…. should he bother getting health insurance?
The big picture question: If you’re broke, and can’t get insurance from work, what are your best options?
The big picture answer: It totally depends!
We had expert help here: Karen Pollitz, a senior fellow at the Kaiser Family Foundation, and . Jared Walker, founder of Dollar For, and a super-expert on charity care.
If you want to go deeper:
We’d love for you to support this show. Now is a great time to do it.
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Hey there,
You may have noticed, we've been keeping a slower pace for the last few months — publishing every three weeks instead of every two — since Dan recovered from COVID.
And every-three-weeks is gonna stay our default for now. Putting out the show more often was wrecking Dan's health, and some important behind-the-scenes work just wasn't getting done.
When we slowed down the podcast release schedule, we also suspended the First Aid Kit newsletter, which compiles our most-useful information for dealing with the out-of-control medical system.
Starting today, First Aid Kit is back — publishing monthly instead of every-other-week. (We're telling you, Dan was pushing too hard before.)
If you're already a subscriber, you should have a new issue in your inbox right now. If you're not a subscriber yet, why not sign up?
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This year, the state of California put up $100 million to produce its own insulin, and sell it for cheap. How’s it going to work? (Is it going to work?)
The price of insulin could be the starkest example of our out-of-control health care system: More than 7 million Americans need it to survive, and some die because they can’t afford it— medicine that’s been around for 100 years, medicine its discoverers didn’t want to patent.
We look at how California’s plan came to be, and what might stand in the state’s way.
Further listening:
Also, we mention our recent coverage of the legal and lobbying power of the pharmaceutical industry. That’s in our last episode, here: https://armandalegshow.com/episode/congress-fixed-a-piece-of-medicare/
Here’s a transcript of this episode.
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Lots of seniors have to pay thousands of dollars for drugs—even tens of thousands—or do without life-saving medicine. That’s finally going to change.
The new Inflation Reduction Act will set a $2,000 cap on out-of-pocket drug costs for seniors. (Yes, it’ll do a bunch of other stuff too.)
It took a long time. Folks like researcher Stacie Dusetzina spent years building evidence about how Medicare prescription drug policy was failing people with cancer and other conditions.
The pharmaceutical industry fought this change tooth and nail — for decades. Julie Rovner, Chief National Correspondent for Kaiser Health News, takes us on a journey back to the late 1980’s, when Congress learned the cost of messing with Big Pharma.
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It’s often possible to negotiate medical bills. It sounds hard — and it can be — but what if we got it down to a science? Mapped out all the moves ahead of time? Jared Walker and his team at the nonprofit Dollar For are running a big experiment to see if they can do just that. And we got to visit the lab.
The folks at Dollar For caught our attention — and lots of other people’s—when they went super-viral on TikTok with a 60-second recipe for crushing medical debt by accessing charity care, financial assistance that most US hospitals are legally required to offer. That was early 2021.
Next, a group of whip-smart volunteers helped Dollar For develop a user-friendly system to help folks apply for that assistance. Dollar For also started holding open trainings on Zoom, teaching people the ins and outs of applying for charity care—and helping others to do so. They say their work to date has helped erase more than $18 million in medical debt.
But lots of people who can’t afford their medical bills don’t qualify for charity care. So Dollar For is trying something new: what they’re calling a “negotiation lab” for gaming out the best way to negotiate with hospitals and debt collectors.
We listen-in on one of Dollar For’s real-life negotiations with a debt collector and take notes.
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Is it possible for a health care company to make enough people mad about their billing practices that it hurts their business? For one genetic testing company, maybe so.
An Arm and a Leg listener Jessica got a test that’s become routine in early pregnancy: non-invasive prenatal testing. It was supposed to be $99. But then — after she took the test — that turned into $250. And when she asked questions, she was told it could go up to $800 if she didn’t pay up quick. , Jessica looked up the testing company, and found out that lots of people experienced what she called “the genetic testing bait-and-switch.”
And she’s not the only one who noticed.
When some guys on Wall Street, plus New York Times reporter Sarah Kliff, started hearing about those bills, the company found itself in some hot water.
Here’s a transcript of the episode.
Bonus reading:
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Thomas Fisher is an emergency room doc in Chicago. His book, The Emergency, is an up-close chronicle of the COVID pandemic’s first year in his South Side ER.
It also zooms out to tell the story of his journey as a doctor: How his upbringing on the South Side fueled his desire to become a doctor. And how the realities and inequities of American health care limited his ability to help.
He details how the failures of the American health care system — and the racial inequities it perpetuates — leave health care workers with a profound sense of moral injury.
“Over time, when you have this conflict between what you can do and what you're supposed to do—what you wish you could do, what you're trained to do—that creates a moral conundrum….It also leads a lot of people to leave the profession ”
For a time, Fisher himself stepped away from practicing medicine. The journey took him to the executive suite but ultimately landed him back in the ER where he started.
On the street outside the hospital where Fisher works, he sits down with host Dan Weissmann to discuss the book and his search for meaning in the daily sprint of life in the ER.
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About a third of ER doctors now work for companies backed by private equity. A lot of those docs do not like the arrangement, which they say puts profits ahead of patients. Now, a group of ER docs are suing to kick one of those private-equity owned companies out of their hospital-- and all of California. They see it as the first step in a long, long fight.
The suit cites California’s ban on the “corporate practice of medicine” — which is supposed to outlaw situations where non-doctors tell doctors what to do, for profit.
Which raises a question: How did it get left to a group of doctors to get that law enforced?
We break it down, with help from:
And while you're here, why not:
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Credit reporting bureaus announced in April that they would start taking most medical debt off of people’s credit reports. At first, we weren’t sure that would be such a huge deal. After all, the medical debt would still exist, people would still get harassed by debt collectors, or even sued over it.
But it turns out, there’s a bunch of reasons why these changes could be life-changing, and we want to give credit (the good kind) where it’s due.
The changes include:
Plus, some an end to some games debt collectors can play with your credit score.
Here’s a transcript of this episode.
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Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
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A new golden age is dawning, and it starts where the sun don’t shine.
A listener got a pricey quote for her colonoscopy, but the medical practice behind it seems like “the only game in town.” We scope it out and learn the surprising reason why: Investors have decided your butt is a goldmine.
Private equity investors have made their way into many areas of our lives. Now, they’re at the gastroenterologist’s —and lots of other medical specialists, too. We learned why these doctors are selling their practices to private equity, and what it could mean for your health care and your bills.
Correction notice: The original version of this story mis-identified the organization where Claire McAndrew worked when we spoke to her in 2019. Whoops. We've updated the audio file, so it's correct now.
Here's a transcript for this episode.
As always, we'd love you to:
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Dan’s COVID has hung on there for a while, kept him SUPER tired. Yoinks. Back in a couple weeks!
Meanwhile, as always, we'd love for you to:
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Hey there — I got COVID a little before we were scheduled to tape this week's episode. Whoops!
I'm fine now, but kinda tired. Just to be on the safe side — some people stay tired for a while — let's give me two weeks before we come back with a full episode.
Meanwhile, I'll share this: I think one reason I got better quick was, I was able to get anti-viral meds. (Paxlovid, in my case.)
And I mention this because: There's a new variant going around, BA.2, which looks like it's going to bring on a new wave; we don't know how big it'll be yet, but the New York Times had some good tips recently for how to be prepared.
One was: Have a plan for getting antiviral treatment, in case you do get sick. Some docs don't like to prescribe them, and some folks shouldn't take them because of things like drug interactions. It's worth knowing your best options ahead of time.
I'm here to co-sign that advice. The rest was good too. Here's the link: https://www.nytimes.com/2022/03/30/well/live/ba2-omicron-covid.html
Finally: Even this two-minute sick note has a highly-entertaining moment, thanks to a listener who wrote a surprising response to a recent First Aid Kit newsletter... then recorded that note as a voice memo.
So, I'll catch you in a couple weeks. Till then: Take care of yourself, for real.
And as always:
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It’s illegal to advise someone who’s being sued for medical debt, unless you're a lawyer. Yep, really. Even in its most basic form (like helping people fill out a checklist) it’s considered the “unlicensed practice of law.” And it’s a crime. As in, you could go to jail.
So some New Yorkers are suing to get that changed.
The non-profit Upsolve wants to help people represent themselves in court when they’re being sued over debt. Their plan is to train people like pastors, social workers, and librarians and others to help people others know their rights. And iIn the Bronx, Reverend John Udo-Okon is one of those volunteers, ready to help.
We meet the CEO of Upsolve and Reverend John to talk about their work – and why they’re suing the state of New York.
Here’s a transcript of the episode.
Subscribe to our newsletter, First Aid Kit.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
And of course we’d love for you to support this show.
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Pharma and insurance companies play devious, clever games, competing for dollars. They’re sharks! It’d be fun to track, but they’re eating us alive.
If anyone could beat the sharks at this game, we’d pick Lillian Karabaic, who runs the personal finance show/community called Oh My Dollar! — and is SUPER on-top-of her stuff.
But Lillian recently got socked with an unexpected $3,000 charge— and expects to lose her very-organized fight against it.
Understanding how Lillian got here — how pretty much any of us could, and how we can start to fight back, together — means understanding the games these big sharks are playing.
Which is exactly what we do in our latest episode, with Lillian’s expert — and often very-funny — guidance.
This episode goes deep on a shark game called a “copay accumulator” policy. In short, they’re an invention by the insurance industry to make sure only YOUR money counts toward your yearly deductible — not any assistance you may receive from a drug company.
One thing we learned: Finding out if your insurance plan even includes one of these policies can be extremely tough: Otherwise, Lillian — who did her extremely-good best to check for this very information — wouldn’t have gotten taken by surprise.
We’ve got a little bit of help to offer: Researchers from a nonprofit called The AIDS Institute also researched this question, looking at hundreds of plans across the country. And they developed a tip sheet a tip sheet to help guide their search: How to search online, what questions to ask if the information just isn’t online (which happens).
More resources:
Here’s a transcript of the episode.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
And of course we’d love for you to support this show.
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Last year we brought you the story — part caper, part tragedy — of how Philadelphia tried to hand off its COVID vaccination program to a wannabe tech bro right out of college. We built on the work of reporter Nina Feldman and her colleagues at WHYY. Now, they've laid out the entire thing in a podcast of their own, called Half Vaxxed. It’s terrific. Funny in places, horrifying in others, and full of lessons.
We'll be back in a few weeks to start the next batch of Arm and a Leg episodes. Meanwhile, we hope you'll enjoy the first episode of Half Vaxxed.
Meanwhile, don't miss our First Aid Kit newsletter, where we're sharing practical tips on surviving the world's most-expensive health care system.
Catch all of Half Vaxxed here
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Stephanie Wittels Wachs has made the show about a topic that's actually too enraging, terrifying, and depressing for An Arm and a Leg: the opioid crisis. And it's as entertaining, empowering and useful as we could ever want. It's called Last Day. Here's episode 1. (In case you need convincing that it's entertaining, we'll tell you: In this episode, she interviews comedians Sarah Silverman and Aziz Ansari at length.)
Part of what makes Last Day so good is that Stephanie is a great storyteller — as well a truly tireless crusader, and a witty, real-as-they-come human being. We should know — we had her on An Arm and a Leg to talk about how she and a few other Texas moms got state laws changed to cover hearing aids for kids. (You can catch that episode here: https://armandalegshow.com/episode/mom-vs-texas/)
If you haven't already met her there, you're going to love her here.
It turns out that nearly everybody you know is either struggling with — or loves someone, or knows someone — who is struggling with some really difficult shit.
...and for some reason, we continue to keep these stories hidden away. Just eating at our insides.
This is a show about that.
Last Day made a second season, about suicide and mental health, and its third season, about America's gun-violence epidemic, is coming this spring. You can listen to everything, and subscribe to get new episodes, here: https://lemonadamedia.com/show/lastday/
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The No Surprises Act — a new law that protects us from some outrageous out-of-network hospital bills — takes effect this month. That's great news, but (and there’s always a but) there are some important caveats to know about.
Like, for instance: these protections only apply to care you get in a hospital. Then there’s the deceptively-named Surprise Billing Protection form they might ask you to sign. And there’s more.
We break down what you need to know about your rights under this new law, what traps to look out for, and who to call if something smells fishy.
Actually, here: The federal hotline for reporting No Surprises Act violations: 1-800-985-3059.
Big thanks to our guides: Patricia Kelmar, Health Care Campaigns Director at U.S. PIRG, and Julia Nigrelli from health care consulting firm Chi-Matic.
The federal hotline for reporting No Surprises Act violations: 1-800-985-3059.
Here’s a transcript for the episode.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
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COVID testing—the kind they send to a lab— is supposed to be free in the U.S. But it’s never been quite that simple. We’re revisiting our sadly-still-relevant interview with Sarah Kliff from the New York Times, who joined us in November 2020 to share what she learned from reading hundreds of COVID testing bills.
Her advice? Avoid the ER, do some research ahead of time, and ask if they’re going to do any other tests (which may not be covered 100%).
We summed up some of her advice in a recent First Aid Kit newsletter, and then added some more COVID-test advice in this week's First Aid Kit.
Here's a transcript for this episode.
Got a story to tell, or a wild bill to share? Get in touch.
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An Arm and a Leg wraps up a big year, and some of the team takes a moment to reflect. Consulting Managing Producer Daisy Rosario, Editor Marian Wang, and Associate Producer Emily Pisacreta join host Dan Weissmann in a conversation on why we make the show and what we look forward to doing in 2022.
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Who’s making a buck: rapid test edition. Rapid, at-home COVID tests are pretty much essential if you want to see friends and family this holiday season, and stay safe.
But they’re freaking expensive and can be hard to find. What the heck happened?
When ProPublica reporter Eric Umansky went looking for COVID tests recently, he came back empty handed. He and fellow reporter Lydia DePillis investigated, tracing the US’s rapid testing problem all the way back to the FDA and other government agencies.
Plus, Dr. Celine Gounder talks about why these tests are so important in the first place and how best to deploy them this holiday season — if you can find some.
Here’s a transcript of the episode.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
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UPDATE: We've pushed past the amount the NewsMatch campaign has funds to match(!)
... and we can keep going with your help. And earn a bonus.
If we raise $5,000 to match funds folks have already donated, the Knight Foundation will give us a $1,000 bonus.
Please help us now! Gotta get it done by Dec. 31. Here, go for it.
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Health insurance is like some medieval horror, says law professor Jackie Fox. But, funny thing: She also says insurance fights are easy. For her. She’s been helping people win them for 30 years.
Jackie Fox has a lot to teach us. And class is in session.
Here’s a transcript of the episode.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
And of course we’d love for you to support this show.
This month, every dollar you donate is DOUBLED, thanks to NewsMatch and the Institute for Nonprofit News.
Holy cow, what a deal. Here, go for it.
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We kick off with a wild ride: How one journalist almost got roped into a scam.
While hunting for a new insurance plan, Mitra Kaboli got an offer that seemed too good to be true—but seemed to be coming from her current insurer. Mitra was skeptical, and it turns out, she had every reason to be. Dania Palanker from Georgetown University's Center on Health Insurance Reforms unpacks this sketchy scheme, and gives us the key to avoiding it: When you're searching for health insurance... skip Google. Seriously.
Then, some top health insurance nerds teach us how to really shop for health insurance: where to find the fine print and how to read it.
They also deliver some good news (for once): Thanks to subsidies in the American Rescue Plan some deals this year are actually… deals! Meaning: health insurance got more affordable for lots of people this year. Here's the subsidy calculator we mention in the episode.
Want to read all of those tips in one place? Check out First Aid Kit, the newsletter where we're summing up all the practical stuff we've been learning since this show launched.
Here’s a transcript of the episode.
And of course we’d love for you to support this show. This month, every dollar you donate is DOUBLED, thanks to NewsMatch and the Institute for Nonprofit News.
Holy cow, what a deal. Here, go for it.
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When Mattew Lientz needed surgery to save his life, his insurance wouldn’t cover it. Enter: Laurie Todd, the Insurance Warrior. Her first task: Figuring out who Matthew was really fighting, and how big the battle really was.
Together, Matthew, his wife Diane, and Laurie made the case for Matthew’s life. Fourteen years later, the speeches they gave in a conference room full of insurance executives are a masterclass in winning insurance appeals — and living to tell the tale.
The battle also illustrates a lesson that Laurie Todd learned while fighting it: Fighting your health insurance often means fighting... your employer. Yep, most employers “self-insure.”
And in this case, that employer was one of the biggest companies in the world.
Here’s a transcript of the episode.
For the Insurance Warrior's origin story, check out our previous episode.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
And of course we’d love for you to support this show.
This month, every dollar you donate is DOUBLED, thanks to NewsMatch and the Institute for Nonprofit News.
Holy cow, what a deal. Here, go for it.
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In 2005, Laurie Todd needed surgery to save her life. Her insurance company had no intention of paying for it. She went to war, and won. She's been helping other do the same ever since. Now, she's sharing her secrets with us.
Psst: This month, when you support this show, every dollar you donate is DOUBLED, thanks to NewsMatch and the Institute for Nonprofit News.
Holy cow. Here's the link.
Also:
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Yup. A Stanford professor measured it. So… we should probably learn how they actually make money, understand their incentives. Here’s one clue: A lot of the time, providing insurance isn’t their real job. In this episode, we unpack what that means, and we start exploring how to put that knowledge to work.
Here’s a transcript for this episode: https://armandalegshow.com/wp-content/uploads/2021/10/12-Million-Hours-An-Arm-and-a-Leg-Transcript-S6-Ep05-12.pdf
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
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Hospitals in Maryland were suing patients over bills that should’ve been forgiven.
It wasn’t illegal. Until now. How a coalition changed that. This year.
Plus, our friends at Dollar For build their bill-crushing army, one Zoom training at a time.
Need help applying for charity care for you or a loved one? We compiled a list of five helpful tips.
Here's the transcript for this episode.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
And of course we'd love for you to support this show.
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Manny Lanza died because he didn't have insurance. His parents fought back, with help from New York’s favorite tabloid. After years of work by advocates and organizers, laws suddenly changed. Here’s how.
Here's a transcript for this episode.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
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How one Republican senator made sure the ACA required non-profit hospitals to act more like charities—and less like loan sharks—before voting against the whole thing.
The national requirement to offer charity care emerged from the Obama White House’s failed courtship of GOP Senator Chuck Grassley. We hear how that failed courtship almost tanked the ACA— and how the battle over the ACA “broke America”—from former Obama adviser David Axelrod, longtime reporter Julie Rovner and a top Grassley aide.
This is the second in a four-part series—but you can totally start right here!
The series looks at the (slow, uneven) development of legal protections for consumers (a.k.a. patients, a.k.a. people who just don't want to die and aren't Bill Gates) against outrageous medical bills and draconian collection practices.
You can listen to the first episode any time, before or after this one. It's about how a legendary lawyer—the guy who beat Big Tobacco in the 1990s—tried to sue non-profit hospitals into acting more like charities and less like loan sharks. (He lost, but it wasn't a total dead-end; that's where this episode picks up.) It's totally fun too. It's right here.
Here's a transcript for this episode.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
And of course we'd love for you to support this show.Here's a transcript for this episode.
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The lawyer was Richard “Dickie” Scruggs, the lawyer who beat Big Tobacco in the 1990s. Later, he launched a series of ill-fated national lawsuits aimed at getting non-profit hospitals to quit price-gouging low-income patients, and chasing them hard for payment. It... didn't go as well as the tobacco lawsuit, by a long shot. Scruggs did help start something that ended up making real change.
For instance: We’ve been following the work of Jared Walker, who went super-viral on TikTok, spreading the word that non-profit hospitals are legally obligated to provide charity care. That obligation didn’t exist when Scruggs launched those lawsuits.
This is the start of a four-part series about how change actually happens. In this case, it’s a wild ride, and it's not done. By the end of this series, we'll meet folks today who are pushing that work forward.
Next stop: The White House. It’s gonna be fun.
Meanwhile, maybe you can help make change happen: Researchers at the Innovation for Justice program at the University of Arizona are looking at hospitals’ debt collection practices, and how laws or regulations could do a better job protecting people. They’re looking to talk to some people who have been sued over medical bills. If that’s you, or someone you know, here’s a link to get in touch: bit.ly/talkmeddebt. It’s a 30-minute interview. They’re not gonna release your name or anything to ANYBODY, it’s all anonymous. (And there might be a gift card in it for you.)
Here's a transcript for this episode.
Big thanks to Kindling Group for allowing us to use audio from their documentary Do No Harm in this episode. You can learn more about their work at kindlinggroup.org.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
And of course we'd love for you to support this show.
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We’ve been on a hiatus for a minute, and we are SO excited about what we’re coming back with.
These are stories we’ve been collecting for months—some of them for more than a year—and they’re big.
One of them turns out to be about how change actually happens. Which for a show about the cost of health care—one that promises (and we do) to be entertaining, empowering, and useful—change is important.
And, as horrible as things are right now, we’ve been learning: some things used to be worse.
For instance, this year we’ve been reporting on how people can get bills forgiven by hospitals. It’s called charity care, and it’s the law. Twenty years ago, in most of the country, THIS WAS NOT A THING.
The road to making this a right took a lot of work from a lot of people. Like one of the country’s biggest lawyers—the guy who helped bring down big tobacco.
You know, big tobacco was TOUGH. And he BEAT them. But on hospitals… he totally failed.
Well, not totally. But it’s a wild ride, and we’ll be on it for a few episodes. It even takes us to the Oval Office, which is fun.
And after that… well, I’ve met a couple of people who have taken me into the GUTS of health insurance, and actually, blown my mind about what it really is.
As always, please send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
And of course we’d love for you to support this show.
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An update on Jared Walker, whose viral TikTok described a little-known (and effective) method to “crush” many hospital bills, and offered to help folks deploy it. Since then, he's been responding to thousands of requests for help—and building a system to respond more effectively, thanks to a small army of whip-smart volunteers.
Jared’s non-profit, Dollar For, has got that system up and running. So: If anyone you know has a hospital bill they can’t pay, the system can quickly tell them if they might qualify for debt forgiveness, and get them started on an application. Here’s the link. Pass it around.
Also, if you want to see that original 60-second video, it's here.
Here’s the transcript for this episode.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
And of course we'd love for you to support this show.
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For years, at ProPublica, Marshall Allen has been exposing health care grifters. (He’s our kind of guy.)
Now, he's written a book … about how to fight back. It’s called “Never Pay the First Bill.” We talked—about some of his best tips, about how you can’t win ‘em all, and about why it’s worth learning all you can and giving it your best shot.
Marshall compares the U.S. health-care "system" to the bully he faced in 7th grade. Big, stupid, mean. And SOMETIMES—as he learned in junior high--you can stand up to 'em, and not get stomped. Worth. Your. Best. Shot.
Marshall is a kindred spirit—we talked to him for stories in 2019 and 2020— and the conversation is a whole vibe. He shares some “magic words” that are worth memorizing or writing down somewhere.
Here’s one you can copy and paste, for if you ever end up in the ER. There’ll be a form they want you to sign, that says you’ll pay WHATEVER insurance doesn’t cover. If you can, X that out, and write in this instead:
I consent to appropriate treatment and (including applicable insurance payments) to be responsible for reasonable charges up to two times the Medicare rate.
(Why Medicare? Listen in for the details.)
Here’s a transcript for this episode.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
And of course we’d love for you to support this show. https://armandalegshow.com/support/
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Health care insiders get stupid medical bills too. One of them taught us how to write an insurance appeal—like the one that saved her son $14,000. You can read that letter—and her notes to us about why she chose to include certain words and key facts—right here: https://armandalegshow.com/wp-content/uploads/2021/06/Appeal_letter_2020_redacted_with_comments.pdf
We met Jeannine after our host addressed a conference of “industry insiders.” It wasn’t much fun. But this makes it all worthwhile.
Links! You can...
Read the transcript for this episode: https://armandalegshow.com/wp-content/uploads/2021/06/S5-Ep09-New_Friend_Transcript.pdf
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
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When Adam Woodrum's insurance denied a claim for an ER bill, he sent his story to NPR... because he happened to KNOW how to deal with it. And he figured it would be a friendly thing to share what he knew. (Kudos, Adam!)
This story was originally reported by Julie Appleby for our pals at Kaiser Health News, and KHN editor-in-chief Elisabeth Rosenthal weighs in at the end.
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How hard is it to pick the best health insurance? ECONOMISTS find it hard. Including one who has studied the question, "How hard can it be to pick a decent insurance plan?"
Lots of people are suddenly eligible to pick possibly-cheaper health insurance thanks to the American Rescue Plan—the big stimulus bill Congress passed in March—so we thought it could be useful to bring this 2018 story back.
Also useful: This essay from health-care reporter Zachary Tracer about how he picked his health insurance, with directions for you (that start with pouring yourself a drink)
There are more how-tos, and health insurance basics, on our web page from the original version of this story.
And here's a VERY useful tool, described in the episode—for if you live in DC, Massachusetts, New Mexico, Oregon, Rhode Island, or Vermont
As always, we'd love you to share a story or support this show.
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... and it's gonna take us a little while to get it ready for you— maybe a couple months. Meanwhile, we'll have little updates for you here and there.
... and it's a great time to sign up for our newsletter, where we'll have details on what's next, and stories we think you'll be interested in.
Here's where to go: https://armandalegshow.com/newsletter/
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With COVID vaccinations ramping up, it's time to check in: Who's been trying to make a buck? And who's been doing their best to serve the folks who need help the most? In Philadelphia, the good, the bad, and the ugly have all been on vivid display.
The Bad comes with a giant serving of chutzpah: For a while, the city put its mass-vaccination program in the hands of a 22 year-old with no experience in health care, but with a healthy interest in making money. It did NOT go well. (You may have seen that headline before. We get the deep dive from public-radio reporter Nina Feldman, who uncovered the caper.)
The Ugly is systemic racism: Or is it just a coincidence that the city put its trust in a white 22 year-old... while ignoring an effective group of licensed, experienced, Black health-care professionals who were volunteering their time? That would be the Black Doctors COVID-19 Consortium, led by Dr. Ala Stanford.
The Good is the work that Dr. Stanford and the Consortium have been doing, which throws the Bad and the Ugly into stark relief. Since last spring, they've been working tirelessly and creatively to address disparities in the care that Black Philadelphians receive for COVID-19.
They're not the only folks working to address those disparities—including a lack of good vaccine information from trusted sources. Here's a great example from a project called The Conversation: Between Us and About Us, hosted by comedian W. Kamau Bell:
You can watch it here: https://www.youtube.com/watch?v=qp6S4C6zG_M
We talked with one of the project's leaders, Dr. Rhea Boyd, author of a recent New York Times essay, Black People Need Better Vaccine Access, Not Better Vaccine Attitudes. (Disclosure: The project is backed by the Kaiser Family Foundation, who also are behind our co-producers at Kaiser Health News.)
Here's a transcript for this episode.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
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We're re-releasing and updating a story we first reported in 2019, about how insulin got to be so horribly expensive—the scientists who discovered it did NOT want price or profits to keep it away from people who need it—and what some people are doing about it, today.
The story seems especially relevant right now, for two reasons:
Also, the whole thing is a wild ride. And: The updates from people we talked to in 2019? All more encouraging than we'd expected.
Here's a transcript for this episode.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
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Yep. This viral TikTok video's recipe for "crushing" medical bills is legally sound. And IRS filings from thousands of hospitals attest to $2.7 billion of crush-able debt from a single year— a number that experts say looks more like a floor than a ceiling. Of course, it'll take a lot of work to actually zap those debts. But Jared Walker is off to a promising start. His organization, Dollar For, had already helped wipe out millions in medical bills before he made that video.
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Jeff is a lawyer who used to represent medical-bill collectors in court. ("I was a bad guy, for sure," he says.)
But he switched sides, and he's here to tell us what he knows. For instance, we have more rights than we probably know.
It can be tough to get them enforced, but he's got some tips there too.
And his portait of how the dark machinery works is... kind of hilarious.
Here's a transcript for this episode.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
And of course we'd love for you to support this show.
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2021 is off to a rough start, but we've got a couple of small things that don't completely suck.
First, a new federal rule could help cut through one completely-ridiculous issue. Then, a listener describes how he headed off an insurance nightmare, using what he learned from this show.
Dan talked about the first story—a requirement that hospitals give us some information upfront about what a given service might cost us (after insurance, if we've got it)—in a short conversation with Niala Boodhoo for the daily-news podcast Axios Today.
You'll find a LOT more detail on that rule in this story from reporter Celia Llopis-Jepsen (whose reporting about a $50,000 "air ambulance" ride formed the core of a recent episode about how we get squeezed by insurers on one side and providers on the other).
Here's a transcript for this episode.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
And of course we'd love for you to support this show.
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Former health-care executive Wendell Potter spent part of 2020 publishing high-profile apologies for the lies he says he told the American people in his old job—and trying to debunk the myths he once sold. The story of how he became a whistle-blower is a modern-day Christmas Carol. And it's a story about the long, messy process of change—whether that’s changing your own life or trying to change a bigger system.
It’s a great way to close out a pretty-terrible year.
Another cheerful note: THANK YOU!!! Your support for this show has MAXED OUT the matching program NewsMatch. It’s a huge, huge boost for our work in 2021.
Of course, we could still use your support before the year ends. We would love it. There is SO much work ahead.
AND, if you’re looking for other places to help out, here are a few places doing powerful work:
And of course it is absolutely not too late to support this show. Here’s that link: https://armandalegshow.com/support/
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
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This episode turns the tables: Host Dan Weissmann gets interviewed about what he's learned this year, and what's ahead for the show— with T.K. Dutes, an ace radio host and podcast-maker ... who was a nurse in a previous life, so she knows a thing or two about the health-care system. (She chronicled her career transition in an episode of NPR's Life Kit.)
And here we learn: During her nursing career, she was uninsured. She's got some stories about life before-and-after health insurance.
T.K. also coins what could be a new tagline for this show: "Where there's money, there's going to be scams."
Check out Open World, a terrific podcast T.K. published recently with fellow superstar Rose Eveleth. The first episode features a reading by and discussion with the writer N.K. Jemisin, who won a MacArthur "genius" award the day after the show came out. (Clearly, the MacArthur folks were listening.)
Support us: During November and December 2020, your donation counts for DOUBLE, thanks to a campaign called NewsMatch. So cool. You can make a one-time donation OR make an ongoing monthly pledge. Here’s the link: https://armandalegshow.com/support/
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
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Keeping the plan we've got means paying $200 a month more. But... would a "cheaper" plan cost us more in the long run? It depends! And COVID makes it a lot more complicated. This stinks.
You can hear my wife and me try to puzzle the whole thing out, and then I debrief with an expert. Who leaves me reminded how lucky we are to have the options we do. HEALTH INSURANCE SUCKS.
But the alternative is so much worse.
If you want to go deeper on health insurance, you might want to check these episodes from our first season:
And here are some other helpful big-picture takes:
Want to go really deep? Like, you're actually looking at buying health insurance, maybe on the Obamacare exchange?
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Andy Slavitt, who ran a big chunk of health care for the Obama administration, has spent 2020 talking with almost everybody who knows anything about the COVID pandemic— and sharing what he learns in real time, first on Twitter, then on his pandemic podcast "In the Bubble." When we wanted an episode taking a look at the big picture—what we've learned so far from the pandemic and what we might expect next—Andy was the person we wanted to talk to. And he said yes!
We got into the money side of what we can expect with vaccines and testing, and treatment—which wasn’t always pretty but wasn't all bad news—and we ended up with some really big-picture questions about the profit motive in health care.
Support us: During November and December 2020, your donation counts for DOUBLE, thanks to a campaign called NewsMatch. So cool. You can make a one-time donation OR make an ongoing monthly pledge. Here’s the link: https://armandalegshow.com/support/
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
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They're supposed to be free. And usually they are. But sometimes... things happen. Here's how to keep them from happening to YOU.
New York Times reporter Sarah Kliff has been asking readers to send in their COVID-testing bills. She's now seen hundreds of them, and she runs down for us the most common ways things can go sideways, and how to avoid them.
Here's Sarah's NYT story that inspired this episode.
Support us: During November and December 2020, your donation counts for DOUBLE, thanks to a campaign called NewsMatch. So cool. You can make a one-time donation OR make an ongoing monthly pledge. Here's the link: https://armandalegshow.com/support/
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
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Possibly our most-useful episode ever. A listener asked: How do I remain cool when calling insurance companies?
We called a veteran self-defense teacher— because self-defense means a lot more than hitting and kicking. It's about standing up for yourself in all kinds of difficult situations. Which means using your words.
Lauren Taylor talks us through some of her top strategies, and how she used them this year in her own epic health-insurance fight.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
Support us: During November and December 2020, your donation counts for DOUBLE, thanks to a campaign called NewsMatch. So cool. You can make a one-time donation OR make an ongoing monthly pledge. Here's the link: https://armandalegshow.com/support/
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In a classic—and hilarious—David vs. Goliath story, Jeffrey Fox takes on a huge hospital over an outrageous bill, and wins.
He's a bit of an expert in using small claims court to get satisfaction, and he's got detailed instructions for all of us.
Here's his first lesson: The other side—no matter how big they are, and no matter what they say to you—doesn't actually get to make the rules. Not the LEGAL rules.
The details of how he got to victory in this case are super-entertaining, and super-satisfying.
Support us: You can now make a one-time donation OR make an ongoing monthly pledge.
AND: During November and December 2020, your donation counts for DOUBLE, thanks to a campaign called NewsMatch. So cool. Just click here to give: https://armandalegshow.com/support/
Want more detail on this whole small-claims-court strategy? Got you covered:
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
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There's a reason Shaunna Burns went viral with her videos about dealing with debt collectors: She used to be one, so she knows a few things. (Also she's smart and funny.) We fact-checked her advice with a legal expert: Jenifer Bosco, an attorney with the National Consumer Law Center. Who said: Yep, most of Shaunna's advice totally checks out.
This one's full of useful tips—and it's fun— so please pass it around. Debt collectors are out in force, and as you'll hear in this episode, they can be super-unscrupulous. But, as you'll also learn: We've got rights.
You don't need to have heard our earlier episode about Shaunna and her story; you can just start right here. (There's lots of strong language in both this and the previous Shaunna episode, so maybe save them for when the kids aren't around.)
Meanwhile, here's a bunch of links to resources:
The National Consumer Law Center, where Jenifer Bosco works, publishes the book Surviving Debt
Consumer-finance expert Gerri Detweiler, who helped fact-check one big question for this episode, has a VERY useful-looking site: https://www.debtcollectionanswers.com/
Shaunna's dealing-with-debt-collectors TikTok videos
Be sure to note Jen Bosco's legal caveats, but these are great and will get you in a fighting spirit
Send your stories and questions:
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Forty-something mom Shaunna Burns went viral on TikTok, thanks in part to a series of videos dishing out real-talk advice on fighting outrageous medical bills. She's become the virtual mom that thousands of Gen-Z followers love. She's funny, smart, and relatable—and she's got stories that'll make your hair stand on end. (Yep, medical bills figure into some of them.) Oh, and she can swear like a f---ing sailor. So maybe save this one for when the kids aren't around.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
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Laura Derrick fought and endured for decades. When medical bills threatened to swamp her family, she made huge sacrifices, worked unbelievably hard... and helped change the course of history. In a moment when we're all enduring a LOT, it seemed like a great time for Laura's story. It's one of the first stories we ever told on this show, and it has special resonance right now. Bonus: We catch up with Laura for an update.
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Barbara Faubion got up every day psyched to go to work—which she says puzzled her friends. “They’d go, ‘You love your job?!? You spend your whole day talking to an insurance company. Are you kidding me?’”
She wasn’t kidding. Because she loved to win—and she was really, really good at untangling other people’s health-insurance problems.
She's here to teach us what she knows.
And we'll learn something else too, from a conversation with ProPublica reporter Marshall Allen: Why doesn't EVERY health insurance broker have someone like Barbara on staff? This story he did in 2019 has some big clues.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
Support us: https://www.patreon.com/armandalegshow
(Audio excerpt from “Going Down Now” used with permission. ℗&© 2020 The Rockmores. Published by The Rockmores, Boston, MA www.therockmores.com. All rights reserved. Unauthorized use is a violation of applicable copyright laws.)
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Steve Benasso is an HR director who, his colleagues will tell you, hates insurance companies, and hates seeing people getting taken advantage of. So he fights off weird medical bills and bogus insurance denials for those colleagues. "I am a bulldog on this stuff," he says. "I do it every month." And on this episode, he tells us how he does it.
Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEG
Support us: https://www.patreon.com/armandalegshow
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If you need medical care, it's like you've entered a casino, playing for your financial life, with the deck stacked against you. Lucky for us, we get insight — and tips the dealer WON'T tell you— from ace reporter Celia Llopis-Jepsen.
To start with, she got an executive from a health-care company to talk honestly — maybe more honestly than he realized — about how his company and others are playing the game, when they send patients bills for huge amounts.
Here's what else she found, when she investigated an $80,000 bill one man got: For many COVID patients, including the guy in her story, lots of providers just aren't allowed to bill for more than insurance pays them.
Those are providers who took some of the $175 billion in bailout funds that Congress passed out in March. Don't expect your provider to just tell you. (That $80,000 bill did not include a footnote saying, "Once insurance pays us, you can forget all about this.") But if you get a bill for COVID treatment, you can make your own luck and look up the provider yourself. Because Celia found a government database where you can SEE if your provider took those funds.
We also like Celia's Expert tip sheet for pushing back against your medical bills.
... and her first big medical-bill story— A Kansan's $50k Medical Bill Shows That You Don't Always Owe What You're Charged— is packed with insight too.
Note: When this episode was first posted, our host mis-pronounced the first name of a man who received an $80,000 bill. He is Anil Garmalkar. The audio has been corrected.
We are bringing you these self-defense lessons every two weeks from here on out. That's thanks to direct support from listeners. We'd love for you to support us too: https://armandalegshow.com/support/
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There's no time like a pandemic to (a) learn to fight back against the awful cost of health care. And (b) have a good time doing it. Yep. Let’s go.
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We wrap up our COVID-19 popup season with stories from three folks with very different takes on what we've learned so far about what the pandemic is costing us: A doctor and advocate in Brooklyn looks back on the wave of black and brown patients that filled her clinic in March. A nurse-practitioner in Texas looks at how new tech is—and isn't—helping the older patients she cares for.
And: One of the country's top insurance nerds says her first policy ideas to keep people from getting stuck with high bills for COVID tests ... were wrong.
Get ready for the hug shortage, the new abnormal, and the $7,000 COVID test.
And: Help guide the next steps for this show! Take five minutes for our listener survey. We so appreciate it.
Thanks to everyone who supports the show on Patreon. You can join 'em here: https://www.patreon.com/armandalegshow
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In early April, Katelyn was in a financial bind: Home sick with COVID, she hadn't been paid in weeks. And bills were due. "My landlord is kinda beating down my door right now," she said in a voicemail to our hotline.
Weeks later, Katelyn got back in touch: She had made it through, thanks to a combination of playing hardball with one company and knowing how to play nice with others.
Because of her job, she had an insider's understanding of the playing-nice process: Katelyn works in collections for a financial institution, so she knew how to ask for help. Even so, she didn't find the process easy.
She came out of the ordeal with a heck of a story, and hard-won tips for all of us.
In addition, here are a couple of resources mentioned in this story:
You can call and leave us a message too: (724) 267-6534 — that's 724 ARM N LEG
Or share stories at https://armandalegshow.com/contact/
Thanks to everybody who supports our work! Join 'em here: https://www.patreon.com/armandalegshow
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A listener, who has worked in health insurance for decades, wrote in. "I have listened to all the episodes in this podcast, and there are times I come away feeling bad working for the insurance company."
We talked. Along with angst, she shared insights and advice we all can use.
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You've probably noticed: The U.S. economy is crashing.
Something you may not have noticed, that may sound really weird: Almost half of that economic devastation comes from just one sector.
And that sector? It's health care.
If that sounds completely backwards, it is. Except in the world of how we pay for health care in this country.
Because even though we as a society need health care workers like never before, to fight COVID...
... we-as-individuals are avoiding doctors' offices and hospitals for everything else, whenever we can. Just like we're avoiding going out to eat.
And this country runs health care kind of like the restaurant industry: When people stop showing up for Sunday brunch— or for hip replacements, colonoscopies, etc. —the enterprise runs short of cash real fast.
Even folks you'd think would be the most in-demand — ER docs fighting COVID—aren't immune.
In this episode, we look at some of the extra weird details of this very-weird recession: how a couple pieces of it are working, and what they could mean. For our wallets.
We draw in this story on stuff we covered in a Season 3 episode called Can They Freaking DO That?!? It's still fun and relevant, and you can catch it right here.https://armandalegshow.com/episode/can-they-freaking-do-that/
Thanks to everyone who supports this show on Patreon! Join 'em, and we'll shout you out at the end of an episode: https://www.patreon.com/armandalegshow
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Anna's insurance company said it would pay 100 percent for COVID-related testing. And then they left her to pay a giant bill.
She got help, thanks to a viral tweet, but... her story exposes big loopholes in consumer protections. We learn how to avoid falling in.
And: The way people responded to her tweet was generous, moving, and... complicated. Uncomfortable. Weird. Even with everybody doing their absolute best. (And, we should say, with as happy an ending as any of us get these days.)
Anna's story gets right to the heart of some of the really weird ways that dealing with the cost of health care — ESPECIALLY in the world of COVID-19 and the Internet and everything else — just messes with our minds, and our relationships as humans.
Thanks to Carmen Heredia Rodriguez, who reported the story of Anna's bill for Kaiser Health News and kindly let me piggyback on her hard work! You can read her version at.https://khn.org/news/bill-of-the-month-covid19-tests-are-free-except-when-theyre-not/.
Send your stories our way: https://armandalegshow.com/contact/
And support our work: https://www.patreon.com/armandalegshow
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Ryan Gamlin spent a decade working on the financial side of health care, before going to medical school. Now, as an anesthesiologist in Los Angeles, he’s on the front lines fighting COVID-19, an experience he describes as “scary, in a way that I never expected to be scared, going to work.”
He was scared one day last summer, too, when a California wildfire came within feet of the hospital where he was working.
And then a fleet of fire trucks showed up to protect the hospital. “City, county, park service, forest service, new trucks, old trucks, unmarked trucks.”
“As I drove home later that day through the protective ring of equipment, I realized the fundamental difference between public safety and health care. Public safety is built on latent capacity. We pay for people and equipment to stand idle, over-prepared for emergencies.”
These days, he’s been thinking back to that experience.
“We’ve left no latent capacity in health care,” he wrote in a Twitter thread.
“And some part of the tragedy that’s now unfolding in this country is because of that. Because we let health care become a business. And because businesses don’t keep a hundred extra fire trucks around, their crews trained and ready, just in case.”
We talked with Ryan about his experiences for this week’s episode. With protective equipment in short supply, he said, "It felt like a fire, with no one to call."
We ALSO hear some good news, about folks who are stepping up to help — tapping their own latent capacity.
That includes people making "ear savers" for health-care workers. Turns out, if you wear a mask all day, the elastic rubs the heck out of the skin behind your ears. Some people are 3-D printing connectors that go around the back of the head.
And some people are taking a more low-tech approach. Here's a picture of my friend and neighbor Liz Feldman is the medical director at a local clinic. She's modeling ear-savers that are basically fabric headbands, with buttons sewn in to hold the masks in place, made by a retired colleague from old t-shirts and scavenged buttons.
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Lots of people have insurance plans that only cover them with certain places —providers, certain hospitals.
But: in a COVID pandemic surge, who knows if you'd end up one of those places? And if you end up someplace else... then what?
That’s the question we got from a listener named Becky in Minnesota. She's got a Bronze plan — it only covers a limited "network" of providers— and she's got a $6,000+ deductible.
With officials talking about converting sports arenas into makeshift hospitals, Becky says: "If you call an ambulance, you may not even go to a hospital, right? Let alone a hospital that is quote-unquote in your network."
We put Becky's question to one of the country’s top health-insurance nerds: Sabrina Corlette, founder and co-director of Georgetown University’s Center on Health Insurance Reforms.
Not all the answers were comforting. But they weren't all grim either. And Becky turns out to have some good advice for us all.
And, per Sabrina Corlette's advice for anybody newly out of work — and suddenly without health insurance: Go apply for Medicaid.
As promised in the episode, here's a map showing which states have expanded Medicaid so that pretty much anybody who suddenly has very little income is eligible.
Please keep your questions and stories coming: https://armandalegshow.com/contact/
Or call (724) 276-6534 — that's (724) ARM N LEG
And as always, we'd love you to join us by supporting the show on Patreon: https://www.patreon.com/armandalegshow
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We kick off SEASON-19, about the cost of COVID, with a dose of hope — a story about an unlikely chain of people coming together to speed PPE to a COVID hospital in Brooklyn. NYC is a couple weeks ahead of the rest of the country, we think, so there are lessons here we can all get ready to use. Especially this: Don't be afraid that what you have to offer isn't enough. Take the step in front of you, even if it's a little one.
Here's a couple ways to start
... or leave a message on our hotline: (724) 276-6534. That's (724) ARM N LEG.
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We were not expecting to bring the next season out for another couple months, but... STUFF has been happening. Is happening. We're here with you. Bring us your stories and your QUESTIONS: We'll ask the smartest people we know to tell us all what they know. go to https://www.armandalegshow.com/contact OR call our **hotline**! Yep: (724) 276-6534 -- which spells 724 ARM N LEG.
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This bonus episode turns the tables: Ace reporter Sally Herships interviews Arm and a Leg host Dan Weissmann, about what he's learned so far, and what's ahead for the show. \They dig into the stories listeners are sharing -- the lessons people say they’re learning, and the lessons they’re sharing.
And Dan previews the celebrations in store as the show hits a landmark: 500 Patreon supporters! If you haven't signed up already, there's still time to join us -- sign up by March 1 -- and earn some special rewards. https://www.patreon.com/armandalegshow
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Cathryn Jakobson Ramin, an investigative reporter with a bad back, spent years researching the $100-billion back-pain industry. She found that the most commonly-prescribed treatments, including surgery, frequently do not work — and often leave people a lot worse off. She also learned what does work. Whenever someone I know says their back is killing them, I send them a link to Ramin's 2017 book, Crooked: Outwitting the Back Pain Industry. In this episode, we hit the highlights of Ramin's findings.
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How one family's tragedy became, decades later, a $1 million gift to their neighbors. This story has everything: Laughter. Tears. Family. Community. Generosity. Softball. AND: Punk rock. John Oliver. A taco bar.
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They say the problem with relying on journalists to embarrass providers into caving on crazy bills is, there aren’t enough journalists to go around. Fair. But sometimes journalists can scale up.
In Memphis, reporter Wendi Thomas found that the city’s biggest hospital routinely sued its patients over unpaid bills, despite making tidy profits.
The hospital even sued its own badly-paid employees — a fact Thomas said was immediately visible just by visiting the court house. “You saw them, there, in their scrubs,” she said. “I could see their [hospital] badge clipped to the front of their uniforms.”
The injustices were stark. “The defendants are just outmatched,” Thomas said. “They don't have the resources of a billion dollar hospital with its own collection agency and attorneys.”
Thomas did such a good job making a stink about it that after a couple of months, the hospital dropped more than 6,500 lawsuits, and erased the debts.
“Shame is a powerful motivator,” said Thomas. “It just is. And the hospital didn't look good, so they had to address it.”
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A woman got a bill from a medical testing lab she’s never heard of, for $35. Then, a follow-up bill said if she didn’t pay up right away, that price was going up — WAY up: to $1,287.
Which raises a question that comes up a LOT with medical billing: Can they freaking DO that?!?
Can some random lab hit you up for money — and then threaten you with a late fee of more than $1,000??
On this episode, we go find out.
This was fun. We'll do it again. Next time you want to know, Can They Freaking DO That?!? ... get in touch.
Also: We get into a whole story in this episode about "surprise billing" — and as we were publishing this episode, news was breaking. We've got an update at https://www.patreon.com/armandalegshow
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Sarah Macsalka has seen the stories about how expensive an emergency room visit can be, even for a minor complaint.
So when her seven year-old son Cameron gashed his knee on a weekend morning in June, the ER was NOT where her family headed first.
In fact, Macsalka did just about everything she could to avoid paying a big, fat bill to get Cameron’s knee stitched up — and ultimately failed.
For instance, she took Cameron first to a local urgent-care clinic, but was told they didn't have anesthetic. So it was off to the ER.
Before signing anything, Sarah asked what it might cost and pressed hard — but got only squishy answers.
She ended up liable for $3,000 in charges. If only she had known.
“I would've said thank you very much. And walked out and gone back to our lovely urgent care and been like, 'Cameron, bite on this stick.'”
Her adventures make an entertaining parable, and they raise a big question: In a health care system where consumers are told to "shop" for the best deal, why is it so hard for us to get the information we need?
On this episode, we get some answers, thanks to a super-insider and straight shooter: Lisa Bielamowicz, a doctor who now runs Gist Healthcare, a consultancy firm where hospitals are the clients, gives us the dirt.
We'd love it if you support this show on Patreon. https://www.patreon.com/armandalegshow
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It would sound a LOT like Explanation of Benefits, which is a musical revue that actually played in New York City in 2019.
... so it would feature a parody of "Bills, Bills, Bills" — the 1999 Destiny's Child hit —rewritten for the age of GoFundMe.
And it would have smart, funny musical numbers tracing the long, sad history of the U.S. health care industry.
Welcome to our musical episode! And thank you to the young NYC troupe Heck No Techno for creating Explanation of Benefits.
Our episode isn't sung all the way through — it's more like the PBS documentary on Hamilton than an actual musical of its own. But that is still. Pretty. Darn. Cool.
AND: In keeping with our theme this season of self-defense against the cost of health care, Explanation of Benefits wraps with a set of short vignettes demonstrating ways patients can work to protect themselves from excessive charges.
So we have included here an email-by-email breakdown of songwriter Emily Lowinger's successful battle to fight off a surprise medical bill.
... and we've set it off with music — timing and cues lovingly adjusted by our audio wizard, Adam — and it is a TREAT.
Go enjoy. Have a great Thanksgiving!
... and speaking of thanks: I recently spent a weekend afternoon sending thank-you cards to folks who support this show on Patreon. I'd love it if you became one: https://www.patreon.com/armandalegshow
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Meredith Balogh has spent years learning to navigate the financial side of the health-care system. She’s a type-one diabetic, she’s never had a lot of money, and for years she didn’t have health insurance.
It hasn’t been easy, but she’s become a master.
“There's only three things that you're fighting,” she says. “Problems with competence, problems with greed and problems with maliciousness. And luckily most things are incompetence.”
She has saved herself and her family many thousands of dollars, and made a habit — even a hobby — out of helping others: Fellow diabetics, co-workers, and strangers on the Internet.
She's a health-care ninja. And she happens to be my neighbor.
Also in this episode: Our show's chief investor (and my spouse) applies some ninja-level negotiating skills to save our family more than $700 on a lost medical device. Around here, that's what we call romantic.
Thanks to our supporters on Patreon! We'd love it if you became one: https://www.patreon.com/armandalegshow
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Stephanie Wittels Wachs has a daughter born with hearing loss, which is how she found out insurance didn't cover hearing aids for kids. Those start at $6,000 and only last a few years. Stephanie teamed up with a few other moms to change Texas law... and won.
Stephanie is a terrific storyteller. She's the author of Everything Is Horrible and Wonderful, a memoir about grieving her brother, Harris Wittels, a writer for TV comedies like Parks and Recreation, who died of a heroin overdose.
... and she is the host of the new podcast Last Day, which uses her brother's story as a starting point for a deep and smart and very-human look at the opioid crisis. Highly recommend: https://www.lemonadamedia.com/show/last-day
P.S. This podcast, An Arm and a Leg, is a finalist for a very-strange, very-approriate award: Best True Crime show of 2019. Because not all crimes are against the law. Let 'em know: Go vote for us right now — voting closes November 18: https://awards.discoverpods.com/finalists/
Also: We'd love it if you support this show on Patreon: https://www.patreon.com/armandalegshow
Thanks!
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It’s going to be REALLY fun. Also, maybe useful. Catch you here soon!
Also, here’s a little video preview.
Bonus news: Did you know we're nominated for an award as a TRUE CRIME show?
Almost too perfect. Everything on this show is legal, and that's the true crime. Here's a link — please pass it around!
Wanna share it with folks? Be our guest! Here it is on Twitter, Facebook, Instagram, and Vimeo.
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For our Season 2 finale, time for some inspiration.
For 30 years, James Gingerich has run a super-effective clinic in Indiana, delivering great results at low cost — to high-need, low-income patients.
James Gingerich stands in front of shelves holding books that Maple City Health Care Center distributes to families with young children.
He’s not a modest guy, and two of his brags stand out — as a study in contrasts.
One is a quote from a board member that makes him sound like a big dreamer:
“People think of us as a medical organization. We’re not. We are fundamentally a peace and justice organization that happens to be engaged in our community through medical care.”
The other is the way he stands at his desk and nerds out on stats that show his clinic beating the pants off the competition, on preventive-care measures like screenings for cervical cancer, vaccination rates for two-year-olds, etc..
“OK, next: diabetes control,” he says. “Are you getting the idea here?”
At the heart of it, he says, is listening to people’s stories. The rest he calls “housekeeping.”
It’s not a fix for our whole broken system — you can’t just copy-and-paste what’s happening here — but it’s definitely pretty inspiring.
There’s a bit more in this write-up I did for our pals at Kaiser Health News.
But first! How about taking our listener survey?
It just takes a few minutes, and you’ll be helping us out a TON: https://armandalegshow.com/survey/
Thank you! You’ll be helping us get Season 3 made.
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Dr. Saul Weiner is a physician and researcher at Jesse Brown VA Medical Center and the University of Illinois at Chicago. (Photo: Roberta Dupuis-Devlin)
Researcher Saul Weiner has been sending fake patients — actors, wired for sound — into real doctors’ offices, to learn about what actually happens, especially: How well doctors really listen to their patients.
He’s tallied up what doctors miss (a lot), and how much it costs (ditto).
In today’s episode, we hear what actually happened in one of those “secret shopper” doctor visits — with the doctor and the actor who played his patient reading from the transcript of their visit, and then unpacking what went wrong.
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That’s the rude awakening Eric Umansky got when he called the company that provided his CPAP machine — a device that helps him breathe at night.
He got mad. And he got even, in a way: Eric is an editor at the non-profit newsroom ProPublica, and he tipped a colleague —Marshall Allen, who covers health care there.
The two of them together, in this episode, are hilarious and enlightening.
opened up bigger issues about how insurance companies are collecting all kinds of data to use against us.
And it included at least one example of how the “little guy” can fight back sometimes, and win.
Extra fun: One of those examples features a 16 year-old Marshall Allen.
Marshall Allen, age 16, in his 1988 yearbook photo. (Photo courtesy Marshall Allen.)
Note: Eric curses a couple of times. We left it in.
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The price of insulin is iconic — doubling, tripling, multiplying like crazy, for medicine Type 1 diabetics can’t live without.
To understand it, we went back almost 100 years and dug up a story of sweaty Canadian researchers — swatting away flies and doing business with probable dog-nappers, on the way to a Nobel Prize… and a deal with corporate pharma.
Charles Best and Frederick Banting on the roof of the University of Toronto medical building, petting a dog they probably picked up from some shady character on the street … and whom they would soon sacrifice in the name of science. (Photo courtesy University of Toronto.)
We also found hopeful signs out there today, including the folks at the Open Insulin Project in Oakland, California, who are working on their own recipe for insulin, which they hope to share as widely as possible.
Anthony Di Franco holds a 3-D printed model of an insulin molecule at Counter Culture Labs in Oakland. (Photo courtesy Anthony Di Franco.)
If it sounds crazy — well, we talked with a listener who has hacked together an artificial pancreas from outdated equipment, raw computer parts, and open-source software, all with the help of her fellow “rogue, cowboy hackers,” who are growing in number. So, you never know.
Terri Lyman of Arizona shows off the home-made rig that regulates her blood-sugar and insulin levels according to her specifications. (Photo courtesy Terri Flynn.)
Meanwhile, activists with T1 International — an advocacy group run by Type 1 diabetics — are lobbying Congress, like the woman who leads off our story.
Adeline Umubyeyi, a T1 International activist, models a t-shirt from the group’s Washington, DC chapter president. (Photo courtesy Adeline Umubyeyi.)
They’re also organizing “caravans to Canada” (as our colleagues at Kaiser Health News recently documented with PBS News Hour)
You will find a TON of details, links and resources in our newsletter. We’ve been told that even the sign-up process is pretty entertaining.
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As we started working on season two of this podcast, there was one topic that seemed like we just had to look at: insulin.
… and I wondered: There are stories about insulin prices everywhere. Would we really have something to add? Something that wasn’t just more of the same? (Enraging, terrifying, depressing.)
Turns out: OH YES WE DO.
And some of it is… hopeful.
We are holding it back a week, so you can take a break for the holiday, come back fresh, and be ready for something epic. See you then.
(If you’re new here, welcome! All our episodes so far are on our home page, or wherever you get podcasts. You can sign up for our newsletter , share a story, or check us out on Facebook and Twitter @armandalegshow.)
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I filled a prescription recently, and the drugstore said they wanted more than 700 bucks… for an old-line generic drug. My insurance ended up knocking that down, but it was WEIRD. And it meant a big homework assignment for me.
Luckily, I got help. Both from some experts, and from the classic Christmas movie It’s a Wonderful Life (source of the pictures above and below, of course).
I mean, what I actually learned was not a hundred percent cheerful.
We get these unpredictable prices thanks to companies that — surprise! — make a big profit from driving prices up. (They’re called “pharmacy benefit managers” — PBM for short.)
Theoretically, they work for insurance companies and employers who pay the premiums, and they’re supposed to keep drug prices down.
Economist Geoffrey Joyce used to think they did OK at that, but he’s changed his mind.
One thing that turned him around:
They got sued in several states, saying, ‘Hey, you should be acting in the best interest of your clients.’ And they’ve won in court saying, ‘No, we have no obligation to do what’s best for our clients. We do what’s best for us.’
So, not all sunshine.
But: Feeling a little smarter about the whole thing? It’s a victory. Also kinda fun.
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This week, we look at three MRIs with four different price tags, and an enormous range.
Liz Salmi and a view of her brain. (Photo: Kaiser Health News)
The first two price tags come from listener Liz Salmi, who has been living with brain cancer for more than a decade.
Liz gets MRI scans twice a year, to make sure the cancer isn’t growing.
A couple years ago, Liz changed insurance, changed providers… and got serious sticker-shock when she saw the bill for a scan: $1,600 — AFTER insurance.
So when she needed a follow-up scan, she shopped around — and found an option that set her back less than 90 bucks.
Which is great news, and useful — as far as it goes: As Liz points out, not everybody has six months to shop around.
But Liz’s experience isn’t even the craziest MRI-price-tag story we look at this week. Stick around for that.
Coming in to bat cleanup — to help us understand why these prices are so crazy, and so variable — is journalistic super-star, friend of the show, and my new colleague:
Elisabeth Rosenthal, editor-in-chief of Kaiser Health News and author of An American Sickness: How Healthcare Became Big Business and How You Can Take It Back. She breaks it down in an authoritative, funny, clear-as-glass way.
(Reminder: Kaiser Health News — our co-producers for this season — is not affiliated with the health care provider Kaiser Permanente. It’s a great story, and we’ve got it for you right here.)
This is the first of three episodes where we look at where health care prices come from. So this week it’s MRIs.
Next up: Prescription drugs.
And then: Insulin. Yep, we are going there.
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Hospital bills are too high, and insurance doesn’t cover enough. Turns out, that’s a crisis for hospitals too: more and more of us aren’t paying those bills, because we can’t. So, they’re getting creative about collecting — and offering discounts. Which raises questions about why the bills are so high to begin with.
Photo courtesy James Crannell
We start with Chicago woodworker James Crannell, who — and there’s no non-scary way to say this — stuck his finger in a table saw.
Even more scary: He didn’t have insurance. “I don’t know which was worse. The pain in my hand, or the fear of: What is this going to cost me?”
Spoiler alert: The emergency-room didn’t charge him full price.
This episode kicks off a series where we start asking: How did prices get so high to begin with?
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Caitlin and Corey Gaffer got a surprise letter from their insurance company — saying they were being dumped for non-payment. Except, as far as they knew, they were paid up.
As it turned out, they’d made a couple of small mistakes, which they were eager to fix. But their insurer was definitely not interested. Caitlin and Corey spent fruitless weeks on the phone.
And then, Caitlin’s pregnancy — more than six months along — ran into complications.
They scrambled for months to get covered, while racking up about $30,000 in hospital bills.
There’s a happy ending. Two, in fact.
First, their baby was born healthy (and insured) in January. She’s in the episode too, and she’s adorable.
Maggie, Corey, and Caitlin Gaffer, with Luna the dog. (Photo by Lauren Cutshall.)
Second: In March their old insurer offered an apology — and offered to reinstate them. (This was the day after a reporter called to ask the insurer for their side of the story.)
… but the whole journey was harrowing, and opens up questions about what kinds of safeguards consumers have — or should have — against getting dropped.
Welcome to Season Two!
This story — like a lot of this season — came straight from my inbox. A few days after the show launched, I got an email with the subject line “Pregnant woman and her husband in Minnesota need help.”
We’ve got new friends!
We’ve got co-producers for Season Two, Kaiser Health News. Three things to know:
First: Kaiser Health News is not affiliated with the giant health care provider Kaiser Permanente. They share an ancestor — which is a fun story I’ve written all about here.
Second: They ARE a great non-profit newsroom covering health care in America, an editorially independent project of the Kaiser Family Foundation. (There’s that name again. And again, here’s the story.)
Third: Their editor-in-chief is one of the people who inspired this show.
YEP. The whole story is worth reading. I am so pleased and proud to be working with these folks.
Catch you next time. Till then, how about…
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Hey there! We’ve been working hard on season 2. We hope you enjoy this preview — there’s so much good (and frightening) stuff ahead.
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Bari Tessler is a little famous as a “financial therapist,” but even she gets rattled by the price of health care.
Her story is complicated. And very relatable.
Bari chose to use a Christian "health share" instead of regular insurance. It's cheaper, but it comes with strings: Things the group doesn’t cover, limits on their obligations to you… and a religious vision that not everybody is comfortable with. Including Bari.
She sees it, for now, as the least terrible of a bunch of terrible options — but she’s conflicted about it.
Also: What my family is doing for health insurance next year.
And: A taste from one of the most painfully-hilarious things to hit the Internet for a long time. Welcome to Our Modern Hospital, Where if You Want to Know a Price, You Can Go F*** Yourself, published by McSweeney’s.
There’s a longer excerpt, and an interview with the author, Alex Baia — that’s on our Patreon. Thanks to Alex for permission to record excerpts, and to ttsreader for dramatizing the text for us!
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Emergency rooms often bill you a “cover charge” just for walking in the door, and it can be thousands of dollars.
That’s in addition to the huge markup on everything that happens there: seven bucks for a band-aid. Twenty dollars for a couple of pills.
Reporter Sarah Kliff has collected more than a thousand ER bills from her readers at Vox.
She was an expert on health care before starting this project — she covered it for years at the Washington Post before moving to Vox — but even she found plenty of surprises.
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Image adapted from a drawing posted to flickr by Wellness Corporate Solutions.
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The health-care system — especially the financial side — can feel like a Medieval torture device. So maybe it fits that workers from Renaissance fairs have come up with a work-around.
In this episode I meet Robin Hood and a woman who has made more than $2 million in medical bills… disappear.
Also, you’ve started sending us stories as voice memos. And they are awesome.
Send more! stories@armandalegshow.com.
Regular emails are nice too. You’ve sent some powerful stories that way. We are listening.
Also, you’ve shared tips, including this CBS News story about insurance companies refusing to pay ER bills. Super-timely, since we’ve got a story about ER bills coming up in the next couple of weeks.
You can find more information about the Rescu Foundation at the group’s website: rescufoundation.org
(Photo from the Sherwood Forest Faire Facebook Page.)
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Because as smart economists recently proved) it is super-confusing, and most of us can’t do the math.
But! We found glimmers of hope. So don’t be scared.
We’d like to hear how you’re choosing your health insurance for next year— or are you going to do without? — and what you’ve learned from past mistakes. You can scroll down and just start typing, or hit us up at insurance [[at]] arm and a leg show [[dot]] [[com]]
EXTRA CREDIT: We’d love it if you send us a voice memo!
Finally, we’ve got some resources here — guides from some smart, friendly folks — to help you get smarter and avoid some worst-case outcomes.
The basic premise all around: If you can afford to think about anything but the lowest-possible monthly premium, then a good thing to think about is: Financially speaking, what’s the worst-case scenario, if I get hit by a bus or something?
Which is not exactly a fun scenario to contemplate, but still. It’s why the very cheapest plans, in terms of what you pay every month, may not be a good deal.
The Oh My Dollar podcast goes into good-humored detail in a recent Halloween episode, The $30 Spooky Health Plan You Probably Don’t Want. (No time to listen? No problem: They’ve done a great write-up.)
This episode closes with War of Amusements by Mucca Pazza—a Chicago treasure since 2004. The group’s self-description — “the marching band that thinks it’s a rock’n’roll band” — doesn’t begiin to do it justice. You can download the track on a pay-what-you-want basis, or listen on Spotify.
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The answer involves a suburban housewife, a 1970s TV star, and a Las Vegas maker of popcorn and nacho cheese sauce. Also: Wall Street.
Produced with our friends at 99 Percent Invisible.
Many thanks to Abbey Meyers, Joshua Schein, and Nora Guthrie.
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Laura Derrick takes a drug that costs more than $500,000 a year.
So when her family was going to lose their insurance, she made crazy sacrifices… and changed the course of history.
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When I first started talking about doing a show about the cost of health care… everybody had a story. Including me.
It’s like that famous speech by the writer David Foster Wallace called This is Water. It starts with a joke about two young fish swimming along. An older fish passes by and says, “Morning boys. How’s the water?”
He goes, then one young fish turns to the other and says, “What the hell is water?”
Sound familiar? The cost of health care is like water. We’re all surrounded by it. We don’t even see it anymore.
That’s what this show is for: To help us see the water we’re in, and figure out together how to navigate it, and keep each other good company along the way. Maybe we’ll tell some jokes– dark ones– along the way. Welcome aboard.
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The spiraling cost of medical care shapes people’s lives: The jobs we’re afraid to leave because of insurance, the risk that a trip to the doc could end in bankruptcy. It’s not healthy.
This is my story too, and that’s why I’m making this podcast. Here’s what I’ve got in mind.
An Arm and a Leg will be entertaining, empowering— even useful. As a reporter, I’ll bring my skill at finding and telling revealing, surprising stories. But the project’s big focus— since I’m in this mess too—is connecting and problem-solving, together.
You are not alone. We may be screwed, but we’re together. And if we want to get even a little bit less-screwed, we need each other. If nothing else, we can be good company to each other.
So I’ll be looking to you, over time, to offer up your own stories— by sending in voice memo recordings (and email, and FB posts). Also, punk-rock campfire songs.
To start, I’ll be reporting out on stuff I’ve found out on my own— stories that help us get a little less scared and confused about the mess we’re in. Early episodes will:
Over time, you’ll tell me what needs finding out.
We can’t count on single-payer or some other big fix getting enacted and coming to save our butts anytime soon. (We don’t even have to agree on single-payer.
No matter what our politics, we’re all screwed right now.) But we need each other’s help and company RIGHT NOW, just muddling through the mess we’re in.
You know what? I think it’s going to be fun.
Meanwhile:
Thanks! Talk with you soon.
Till then… take care of yourself.
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