Stop paying unfair medical bills now! The updated 2025 laws are here to protect seniors like you from wrongful charges, outdated debts, and financial exploitation. In this video, you’ll discover how new regulations empower you to challenge denied medical claims, avoid illegal debt collection tactics, and take advantage of expanded financial protections.

Learn step-by-step strategies to fight insurance denials, stop paying expired debts, and access utility assistance programs that cut costs dramatically. We’ll also reveal how to qualify for property tax relief, cancel unwanted subscriptions without penalties, and avoid hidden bank fees—all while boosting your confidence and financial independence.

These changes are designed to protect your health, wallet, and peace of mind. Don’t let outdated practices hold you back. Watch now, stay informed, and start taking control of your finances today! Together, we’ll navigate these protections and ensure you get the benefits you deserve.

#surprisemedicalbill #balancebilling #advocacystrategies #rightsadvocacy #medicaldebt

#insuranceresources #financialsecurity #insuranceappealprocess #deniedinsuranceclaimappeal #appealingadeniedmedicalclaim

#patientadvocacy #insurancedenialappeals #seniorfinancialprotections #medicalbilling #insuranceappeal

#pensionprotection #medicalbillprotections #creditcounseling #utilityassistance #lowincomehomeenergyassistanceprogram

CHAPTERS:
00:00 – Senior Protections Overview
00:49 – Denied Medical Bills and Insurance Issues
07:59 – Debt and Statute of Limitations Explained
13:43 – New Illegal Collection Agency Tactics
19:39 – Utility Bill Assistance Programs
27:21 – Credit Card Debt Relief Options
33:53 – Property Tax Exemptions for Seniors
41:50 – Identifying Unused Subscriptions
49:21 – Strategies for Reducing Monthly Expenses
49:35 – Prohibited Bank Fees for Seniors
55:50 – Challenging HOA Fees and Assessments
1:03:20 – Shocking Medical Bill Loophole
1:09:10 – Medicare Prescription Payment Plans
1:11:07 – Accessing Financial Protections for Seniors

Featuring:
Chris Goodman, University of South Carolina (Moderator)
Fred Blavin, Urban Institute
Kelsey Chalmers, Lown Institute
Noam Levey, KFF Health News
Matthew Rae, KFF

On May 15, 2025, the Lown Institute convened policymakers, hospitals, patient advocates, researchers, and other experts on medical debt for a one-day, in-person conference. The discussion focused on the scope of the problem, key drivers, and emerging challenges and opportunities to address medical debt with a new administration.

Learn more about the event: https://lowninstitute.org/register-the-state-of-medical-debt-in-the-u-s/

Download our dataset: https://lowninstitute.org/projects/hospital-billing-and-collection-practices-a-national-data-set/#

Subscribe to our free weekly newsletter: https://lowninstitute.org/subscribe/

Last week on Nightly News, we ran a report about medical bills and the liens one hospital system had put on the homes of patients who couldn’t pay. Following our report, the company announced it is now canceling the debt for thousands. NBC News’ Christine Romans reports.

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#MedicalDebt #Hospital #Patients

In the U.S., nearly 60 percent of bankruptcies are caused, in part, by medical bills. Finding ways to lower those bills has never been more important. A new program in Texas may be the solution. Mireya Villarreal reports.

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The Patient, The Doctor and Bill Collector reveals the hidden truths behind the crushing wave of medical debt drowning more than 64 million Americans.

Authors Robert E. Goff and Jerry Ashton know the inside story on medical debt. Each offers more than 40 years of experience inside the healthcare and collections industries. They team up to deliver a scathing indictment of America’s healthcare system. In simple and forceful language, they detail how present approaches are rigged to fatten the wallets of big pharmaceutical companies, insurance monopolies, and hospitals. The medical debt collections industry also waits patiently for their turn at the trough.

Beyond simply pointing out the mistakes and the greed, the two authors came up with a simple yet powerful solution: Buy medical debt on the open market, and then abolish it! Their vehicle is RIP Medical Debt, a non-profit established in 2013 for the purpose of locating, buying and then forgiving this debt as a gift to those struggling with unpaid and unpayable bills. One collections industry executive described this debt retirement plan as a “Robin Hood” approach.

The Patient, The Doctor and The Bill Collector will help you keep yourself and your family from being swept away by the tsunami of medical debt endangering our future in America You will learn from industry insiders the shocking truths that the debt collections industry, hospitals and insurance companies do not want you to know.

If you are a patient or a patient’s family member, you will learn:

More than 64 million Americans already struggle to pay medical bills. More than 15 million people will deplete their savings to cover medical bills. Health insurance is no rescue, for 80 percent of those filing bankruptcy had insurance. The security blanket of health insurance is riddled with holes and surrounded by traps.

If you are a health practitioner, hospital or physicians group, you will learn:

Pharmaceutical costs and office visit fees cause patients to skip medication and care. If you believe healthcare reform will reduce your revenue losses, think again.

The United States is the only industrialized nation with a market-based healthcare insurance system. As a result, America is destined to be the only industrialized nation to bring about a widespread debt impoverishment of its citizens.

Whether you are a patent, a doctor or a bill collector, you need this book to survive!

ABOUT THE AUTHORS

Robert E. Goff is an acknowledged expert in healthcare delivery, organization and financing with a career spanning leadership positions as a hospital administrator, regulator, managed care executive, consultant, and association executive. He serves as Executive Director and CEO of University Physicians Network (UPN) in New York City. Robert also is a corporate director and sought-after advisor to healthcare technology and care delivery companies.

Jerry Ashton is a recognized veteran of the credit and collections industry. He’s long been an outspoken critic of industry excesses. Inspired by the Occupy Wall Street movement’s “Rolling Jubilee” campaign against medical debt, he came out of semi-retirement in 2014 to co-found RIP Medical Debt with the goal of removing one billion dollars in unpaid and unpayable personal medical bills from the backs of fellow Americans. Jerry blogs at The Huffington Post and tweets as @RIPMedicalDebt.

The authors maintain a resources website for book readers at NoMoreMedicalDebt.com.