Free Guides

Plain-English guides for the healthcare maze

Nine free guides on appealing denials, cutting bills and drug costs, claiming Social Security and Medicare right, and finding what you're owed. No sign-up required — just download.

Prior Authorization

Insurer Appeals Cheatsheet

A denial isn't the end. The steps to appeal a denied claim — and the citations insurers can't ignore.

Medicare

Medicare Open-Enrollment Checklist

Most people never compare plans. The annual review that keeps you from overpaying on autopilot.

Social Security

When to Claim: Timing One-Pager

Claiming age sets your check for life. See 62 vs. full vs. 70 at a glance — and what to weigh.

Benefits

The Unclaimed-Benefits Checklist

Billions go unclaimed each year. Where help hides — food, Rx, Medicare costs, utilities — and where to start.

Medical Bills

Audit Your Medical Bill

Bills are often wrong. A step-by-step error hunt, the most common overcharges, and how to dispute them.

Prescriptions

Lower Your Prescription Costs

Ways to pay less at the pharmacy — safely — plus the free places to find prescription savings.

Doctor Visits

Make the Most of Your Doctor Visit

Patients forget most of what's said. The questions to ask and records to get — before, during, after.

Choosing a Provider

Vet Your Care

Check a provider's license, credentials, and record — free and public — before your first visit.

Medical Equipment

Don't Overpay for Medical Equipment

Wheelchairs, CPAP, walkers — the price-check steps and coverage basics that stop you overpaying.

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Educational only — not legal, financial, tax, or medical advice. Healthvocate is an independent commercial service and is not affiliated with CMS, SSA, the VA, or any insurer.