Health Insurance 101: Don't Pay That Bill Yet

Most people have no idea what their insurance actually covers until they're holding a bill they don't understand. This course fixes that.

I'm Dr. Sally Primus, a practicing physician who deals with insurance denials, billing errors, and confused patients every single day. Insurance Decoded takes everything I explain to patients in the exam room and turns it into a clear, practical course you can finish in about an hour.

You'll learn the five terms that actually determine what you owe, and how they work together. You'll learn how to read your insurance card, your Summary of Benefits and Coverage, and your Explanation of Benefits, so none of it feels like a foreign language anymore. You'll learn the difference between HMOs, PPOs, EPOs, and HDHPs, how referrals and prior authorizations actually work, why the same medication can cost wildly different amounts, and how HSAs and FSAs really differ.

Then we put it all together. You'll learn how to compare a bill against an EOB, spot a denial at a glance, avoid the five most common (and expensive) billing mistakes, and run through a simple five-question checklist before you ever pay a bill again.

By the end, you won't need a broker or an insurance expert standing next to you. You'll be able to look at any bill, any EOB, any plan document, and know what it means and what to do next.

Includes downloadable checklists, a quick reference guide, and a full resource directory to keep on hand long after the course ends.