The American Guide to Cutting Health Costs

96 pages. 18 chapters. Instant download.

What insurance doesn't cover, what you can stop paying for, and how to fight a bill that shouldn't be yours — including the assistance programs hospitals are required to offer but rarely mention.

Written for people who open a medical bill and don't know where to start. Every rule and figure checked against an official source in 2026.

WHAT'S INSIDE

Introduction: The Bills Medicare Doesn't Pay

1. What Actually Comes Out of Your Pocket

2. Find Your Number

3. The Fork in the Road

4. Medigap, and the Deadline That Never Comes Back

5. Part D and the $2,100 Ceiling

6. The Same Medicine, for Less

7. Extra Help — the Biggest Unclaimed Benefit in Medicare

8. When the State Pays Your Premium

9. Your State's Own Drug Program

10. Teeth

11. Eyes

12. Ears

13. The Hospital Bill

14. If You Are 50 to 64

15. IRMAA, and How to Get It Reduced

16. What the Tax Code Gives Back

17. Home Care, Long-Term Care, and Staying Put

18. If You Cannot Afford It

Appendix A: Your Annual Health Cost Worksheet

Appendix B: Your Coverage Record

Appendix C: The Questions to Ask

Appendix D: Where to Check Everything

Appendix E: The 51-State Reference

Chapter 14 is written for readers not yet on Medicare. Appendix E covers all fifty states and the District of Columbia — your state's own drug program, whether your state expanded Medicaid, and the two phone calls worth making where you live.

PDF. Opens on any computer, phone or tablet. Yours to keep.