An Arm and a Leg

Latest Episodes:

The Insurance Warrior battles a $61 billion company (from 2021) Aug 28, 2025

Show notes

Hey first! We need your help: Financial help. Donations from listeners power this show, and we’ve got a goal: 100 people making their first-ever gift, this week.

If you haven’t chipped in before, this is a great time — just click here.

OK, onwards…

Sharing a favorite from our archive – with lessons that are as relevant as ever.

Laurie Todd calls herself The Insurance Warrior. She fights health insurance for a living. Her speciality: writing appeals when insurance companies deny high-stakes, high-dollar treatments.

Her first victory was fighting to get coverage for her own life-saving cancer surgery – which we chronicled in an episode tracing her origin story.

Since then, she says she’s notched hundreds of other victories, and outlined her strategies in two books: Fight Your Health Insurer and Win and APPROVED: Win Your Insurance Appeal in 5 Days.

In this episode, we go deep on one of Laurie’s early, super-instructive cases, that taught Laurie one of the weirder truths about health insurance in America: fighting your health insurance often means fighting… your employer.

And in this case, that employer was a $61 billion company.

Want more about winning insurance appeals? Here’s our starter pack.

Here is a transcript of this episode.

Send your stories and questions. Or call 724 ARM-N-LEG.

Support the show: https://armandalegshow.com/support/

See omnystudio.com/listener for privacy information.

A wild health insurance hustle Aug 07, 2025

Show notes

When a New York couple purchased a health insurance plan from a telemarketer, everything sounded legit. Meds, doctors, tests? All covered.

But it didn't take long for them to realize they'd been “hustled” – ending up with bills for thousands of dollars, and leaving them no choice but to skip important medical care.

In their series “Health Care Hustlers,” Bloomberg reporters Zach Mider and Zeke Faux uncover the exact nature of the scheme – how this couple, as well as thousands of others, signed up for health plans by unknowingly agreeing to work “fake jobs.”

Zach and Zeke join us to unpack the many surprising layers to this business— involving a subculture of unscrupulous telemarketers, a TV-sitcom-writer-turned-investor who masterminded the idea, and the legal gray area that allows these plans to proliferate.

Reminder: If you need to sign up for health insurance, the place to go is healthcare.gov. (As we’ve warned before: Don’t even Google it.)

No matter what, shopping for insurance requires a ton of homework. We’ve got a guide for you in this Starter Pack.

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.

Support the show: https://armandalegshow.com/support/

See omnystudio.com/listener for privacy information.

The great American drug shortage isn't an accident, it's artificial (from Organized Money) Jul 18, 2025

Show notes

As a follow-up to our series The Prescription Drug Playbook — all about how you can get the meds you need at a price you can (maybe) afford — we’re stepping back to look at the big picture.

From the start of this podcast, we’ve been trying to answer a major question: Why do my meds cost so freaking much? And we’ve highlighted the profit-seeking games that insurance, pharma, and middlemen play all around us in more than a half dozen episodes.

But there’s one set of players on the field that we’ve never talked about: drug distributors, and how they play a role in another reason you may not be able to get your medicine: drug shortages.

This story comes from our friends at Organized Money, a podcast about monopolies, from writers and journalists David Dayen and Matt Stoller.

We think you’re going to like it.

In the meantime, check out the latest installment of our First Aid Kit newsletter for a rundown of our previous coverage of drug costs.

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.

Support the show: https://armandalegshow.com/support/

See omnystudio.com/listener for privacy information.

The Prescription Drug Playbook, Part Two Jun 30, 2025

Show notes

In February, we asked you, our listeners, to share the tips, tricks, and tactics you’ve learned for getting the medicine you need at prices you can manage.

And of course some of you work in health care and have insider knowledge. Which we’re passing along in this second episode of The Prescription Drug Playbook.

We’ll hear from a listener who works to help seniors find healthcare, a pharma sales rep, an employee benefits advisor, and a battle-worn hospital caseworker – all bringing something a little surprising, and possibly even life-saving to the table.

Of course—for all their advice, there is a BIG caveat: there is no one solution for everyone. This is a set of patches, workarounds, bandaids.

We deserve SO much better. But in the meantime, maybe some of these tips can help.

Here’s a link to the Find a Health Center Tool that we told you about in the episode—it’s worth checking out!

And here's the full drug-price song by producer Claire Davenport and some robots

Find the whole Prescription Drug Playbook series – including our First Aid Kit newsletters — at armandalegshow.com/drugs

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.

Support the show: https://armandalegshow.com/support/

See omnystudio.com/listener for privacy information.

Trailer: The Prescription Drug Playbook Jun 24, 2025

Show notes

Too many of us get sticker shock when we go to pick up our meds.

We asked our listeners how they get by in this situation, and we learned dozens of tips. And in this two-part series, we’re sharing those strategies — including some advice from experts.

The next episode drops June 30.

Support the show: https://armandalegshow.com/support/

See omnystudio.com/listener for privacy information.

The Prescription Drug Playbook, Part One Jun 12, 2025

Show notes

In surveys, one in four Americans report having to skip their medications due to cost. We asked our listeners: what strategies have you used when you’ve been hit with pharmacy sticker shock?

We heard from a ton of you – with stories, strategies and workarounds that surprised and encouraged us.

None of them will work for everybody. This is a set of patches and bandaids for a broken system. But if there’s one that’ll work for you, we want to help you find it. So we’re bringing you the most-complete, best-organized set of patches we can.

In this episode — the first of two episodes — a dad named Bob tells us how he learned some hard-earned lessons.

When Bob’s teenage daughter Mary was diagnosed with epilepsy, it took her doctors years of trial and error to find the right treatment. It finally worked, Mary's seizures stopped — and then, when Bob's insurance changed, the price tag for Mary's meds went through the roof.

What Bob did next represents one possible journey through the dizzying (and often exasperating) maze of potential workarounds for getting your medicine at a price you can afford.

We’ve started compiling lessons from Bob’s story and others in our First Aid Kit newsletter.

Our first installment features a price comparison spreadsheet… inspired by Bob (who we’d like to nominate for Dad of the Year).

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.

Support the show: https://armandalegshow.com/support/

See omnystudio.com/listener for privacy information.

Could this mathematician’s formula fix US hospitals? May 22, 2025

Show notes

What do the KGB and the former CEO of Cincinnati Children's Hospital have in common?

At different times, they’ve each looked to a guy named Eugene Litvak for help. He only said yes to Cincinnati — but he saved that hospital more than a hundred million dollars a year.

For the last few decades, Litvak – a Soviet émigré with a PhD in math – has been on a mission: save U.S. hospitals from financial ruin, and improve the lives of doctors, nurses, and patients.

He says he has just the formula to do it, lots of prominent experts agree, and he’s documented impressive results so far: Financial savings, fewer hospital-related deaths, lower staff turnover, and shorter wait times.

But Litvak and his allies are still struggling to convince more hospital CEOs to try his method.

We talk with Litvak about his wild life story and how he found the fix that he says could revolutionize American hospitals. And we speak with experts to determine why more hospitals don’t try it.

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.

Support the show: https://armandalegshow.com/support/

See omnystudio.com/listener for privacy information.

A longtime expert puts 2025-so-far in perspective May 01, 2025

Show notes

With news blasting from Washington like a firehose, it feels impossible to take it all in — to stay on top of all the changes the Trump administration has been trying to make.

But for health care, one person is probably closer to anyone than to understanding the full picture: KFF Heath News Chief Washington Correspondent Julie Rover.

In this episode, Julie helps us see that picture, by telling us two stories:

The first concerns a teeny part of the health care system — an obscure federal agency, one of many that the Trump administration has taken a chainsaw to.

The other is anything but obscure: Possible cuts to Medicaid —which Julie thinks Republicans will actually find very difficult to make.

Plus, reporting from Julie’s KFF Health News colleague Arthur Allen. And a cameo from one of Julie’s beloved corgis.

Check out Julie’s weekly health policy news podcast: What the Health?

Read more from Arthur Allen on cuts to AHRQ in KFF Health News:

What’s Lost: Trump Whacks Tiny Agency That Works To Make the Nation’s Health Care Safer

Trump HHS Eliminates Office That Sets Poverty Levels Tied to Benefits for at Least 80 Million People

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.

Support the show: https://armandalegshow.com/support/

See omnystudio.com/listener for privacy information.

Why ‘The Pitt’ is our fave new drama Apr 10, 2025

Show notes

People who work in real-life emergency rooms have raved about how accurately the new drama The Pitt (Max) captures the dynamics and the medical details of their workplaces.

Here at An Arm and a Leg, we’ve been nerding out about how the show depicts the financial forces that shape the ER’s day-to-day problems like crowding, eternal wait times, and scary bills.

For this episode, we got Dr. Alex Janke, an emergency medicine doctor and health policy researcher to nerd out with us.

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.

Support the show: https://armandalegshow.com/support/

See omnystudio.com/listener for privacy information.

Winning a two-year fight over a bogus bill Mar 20, 2025

Show notes

A few months ago, we got a note from a listener named Meagan, who wanted to thank us.

She said the stories she heard on this show had given her the advice and encouragement she needed to finally win a fight against a medical bill she didn’t owe — a battle she’d been waging for more than two years.

As Meagan tells us, those two years were filled with wild twists and turns and a lot of disappointment.

We hear what kept her motivated and encouraged despite all the setbacks – and after an insurance rep pointed her to a free legal resource — the tactic that finally led to a breakthrough.

Here’s a resource we mention — with a spoiler alert: It’s the sample cease-and-desist letter that a lawyer shared with Meagan.

We’ll break down the details — how a letter like this could work, in certain situations — in a future First Aid Kit newsletter.

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.

Support the show: https://armandalegshow.com/support/

See omnystudio.com/listener for privacy information.