Never Pay the First Bill
And Other Ways to Fight the Health Care System and Win
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Narrated by:
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Marshall Allen
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By:
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Marshall Allen
About this listen
From award-winning ProPublica reporter Marshall Allen, a primer for anyone who wants to fight the predatory health-care system - and win.
Every year, millions of Americans are overcharged and underserved while the health-care industry makes record profits. We know something is wrong, but the layers of bureaucracy designed to discourage complaints make pushing back seem impossible. At least, this is what the health-care power players want you to think.
Never Pay the First Bill is the guerilla guide to health care the American people and employers need. Drawing on 15 years of investigating the health-care industry, reporter Marshall Allen shows how companies and individuals have managed to force medical providers to play fair and shows how you can, too. He reveals the industry's pressure points and how companies and individuals have fought overbilling, price gouging, insurance denials, and more to get the care they deserve. Laying out a practical plan for protecting yourself against the system's predatory practices, Allen offers the inspiration you need and tried-and-true strategies such as:
- Analyze and contest your medical bills, so you don't pay more than you should
- Obtain the billing codes for a procedure in advance
- Write in an appropriate treatment clause before signing financial documents
- Get your way by suing in small claims court
Few politicians and CEOs have been willing to stand up to the medical industry. It is up to the American people to equip ourselves to fight back for the sake of our families - and everyone else.
This audiobook includes a downloadable PDF that contains sample letters, advice, and more resources from the printed book.
PLEASE NOTE: When you purchase this title, the accompanying PDF will be available in your Audible Library along with the audio.
©2021 Marshall Allen (P)2021 Penguin AudioListeners also enjoyed...
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The best! Most knowledgeable for years to come
- By Red Culver on 07-06-18
By: Anthony Davenport, and others
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Clark Howard's Living Large in Lean Times
- 250+ Ways to Buy Smarter, Spend Smarter, and Save Money
- By: Clark Howard, Mark Maltzer, Theo Thimou
- Narrated by: Pete Larkin
- Length: 9 hrs and 41 mins
- Unabridged
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Clark Howard is a media powerhouse and penny-pincher extraordinaire who knows a thing or two about money. A lifelong entrepreneur who is now the hugely popular host of a talk radio program and television show and the bestselling author of several books, Clark consistently delivers expert financial advice to his wide and devoted fan base.
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Not too good
- By Chad on 09-28-11
By: Clark Howard, and others
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Deadly Spin
- An Insurance Company Insider Speaks Out on How Corporate PR Is Killing Health Care and Deceiving Americans
- By: Wendell Potter
- Narrated by: Patrick Lawlor
- Length: 9 hrs and 17 mins
- Unabridged
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In June 2009, Wendell Potter made national headlines with his scorching testimony before the Senate panel on health care reform. This former senior vice president of CIGNA explained how health insurers make promises they have no intention of keeping, how they flout regulations designed to protect consumers, and how they skew political debate with multibillion-dollar public relations campaigns designed to spread disinformation.
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Must Read
- By Randy on 01-11-11
By: Wendell Potter
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The Index Card
- Why Personal Finance Doesn’t Have to Be Complicated
- By: Helaine Olen, Harold Pollack
- Narrated by: Helaine Olen, Harold Pollack
- Length: 3 hrs and 43 mins
- Unabridged
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TV analysts and money managers would have you believe your finances are enormously complicated, and if you don't follow their guidance, you'll end up in the poorhouse. They're wrong. When University of Chicago professor Harold Pollack interviewed Helaine Olen, an award-winning financial journalist and the author of the best-selling Pound Foolish, he made an offhand suggestion: Everything you need to know about managing your money could fit on an index card.
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Getting your personal finance right? Start here.
- By Alan J on 04-27-18
By: Helaine Olen, and others
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If I Betray These Words
- Moral Injury in Medicine and Why It's So Hard for Clinicians to Put Patients First
- By: Wendy Dean, Simon Talbot
- Narrated by: Wendy Dean
- Length: 10 hrs and 26 mins
- Unabridged
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Offering examples of how to make medicine better for the healers and those they serve, If I Betray These Words profiles clinicians across the country who are tough, resourceful, and resilient, but feel trapped between the patient-first values of their Hippocratic oath and the business imperatives of a broken healthcare system. If I Betray These Words confronts the threat and broken promises of moral injury—what it is; where it comes from; how it manifests; and who’s fighting back against it. We need better healthcare—for patients and for the workforce. It’s time to act.
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Dust bowl
- By Doc on 04-12-23
By: Wendy Dean, and others
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Phishing for Phools
- The Economics of Manipulation and Deception
- By: George A. Akerlof, Robert J. Shiller
- Narrated by: Bronson Pinchot
- Length: 7 hrs and 11 mins
- Unabridged
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Ever since Adam Smith, the central teaching of economics has been that free markets provide us with material well-being, as if by an invisible hand. In Phishing for Phools, Nobel Prize-winning economists George Akerlof and Robert Shiller deliver a fundamental challenge to this insight, arguing that markets harm as well as help us. As long as there is profit to be made, sellers will systematically exploit our psychological weaknesses and our ignorance through manipulation and deception.
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Useful for a certain audience, but ...
- By Philo on 02-29-16
By: George A. Akerlof, and others
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American Overdose
- The Opioid Tragedy in Three Acts
- By: Chris McGreal
- Narrated by: Dan Woren
- Length: 11 hrs and 55 mins
- Unabridged
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The opioid epidemic has been described as "one of the greatest mistakes of modern medicine." But calling it a mistake is a generous rewriting of the history of greed, corruption, and indifference that pushed the US into consuming more than 80 percent of the world's opioid painkillers. Journeying through lives and communities wrecked by the epidemic, Chris McGreal reveals not only how Big Pharma hooked Americans on powerfully addictive drugs but the corrupting of medicine and public institutions that let the opioid makers get away with it.
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An important read
- By Macmom4 on 02-18-19
By: Chris McGreal
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The Fine Print
- How Big Companies Use 'Plain English' to Rob You Blind
- By: David Cay Johnston
- Narrated by: Todd McLaren
- Length: 12 hrs and 10 mins
- Unabridged
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David Cay Johnston has made a name for himself as the defender of the common man, calling out the rich and powerful for cheating the system at the expense of everyone else. Whether he's exposing unjust loopholes in the tax code that help the rich get richer or pointing out how powerful corporations pocket government subsidies at excessive taxpayer expense, Johnston is an eloquent town crier for justice and equality.
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A must listen if you love or hate Trump
- By Rob D on 04-19-17
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Detroit Resurrected
- To Bankruptcy and Back
- By: Nathan Bomey
- Narrated by: Jonathan Yen
- Length: 9 hrs and 31 mins
- Unabridged
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Performance
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From thriving Motor City to the largest municipal bankruptcy in American history, Detroit has become the nation's cautionary tale. But what led to the fateful day of the filing, and how did the city survive this crisis? Journalist Nathan Bomey delivers the inside story of Detroit's decline and the people who fought to save it against impossible odds: Governor Rick Snyder, a self-proclaimed nerd; emergency manager Kevyn Orr, a lawyer with singular dedication; Judge Steven Rhodes, the city's conscience; and retirees who fought to ensure that Detroit kept its promises.
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Outsiders Perspective
- By Carl on 02-07-17
By: Nathan Bomey
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Get Good with Money
- Ten Simple Steps to Becoming Financially Whole
- By: Tiffany the Budgetnista Aliche
- Narrated by: Tiffany the Budgetnista Aliche
- Length: 12 hrs and 23 mins
- Unabridged
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Performance
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Story
Tiffany Aliche was a successful pre-school teacher with a healthy nest egg when a recession and advice from a shady advisor put her out of a job and into a huge financial hole. As she began to chart the path to her own financial rescue, the outline of her 10-step formula for attaining both financial security and peace of mind began to take shape. These principles have now helped more than one million women worldwide save and pay off millions in debt, and begin planning for a richer life.
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Goodbye SWEET 16. Hello ROTH IRA!
- By Will Smith on 04-12-21
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FairTax
- The Truth
- By: Neal Boortz, John Linder
- Narrated by: Neal Boortz
- Length: 6 hrs and 33 mins
- Unabridged
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Offering stunning new insights not covered in the original book, FairTax: The Truth debunks the negative myths and gross misrepresentations of this groundbreaking idea. The FairTax plan is simple, brilliant, and it will work - enabling you to keep all the money in your paycheck; eliminating the fraud, hassle, and waste of our current system; and revolutionizing the way America pays for itself.
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Sound, well-researched plan
- By Tim Hibbetts on 03-06-08
By: Neal Boortz, and others
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Street Smarts
- An All-Purpose Tool Kit for Entrepreneurs
- By: Norm Brodsky, Bo Burlingham
- Narrated by: Sean Pratt
- Length: 10 hrs and 8 mins
- Unabridged
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Performance
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People starting out in business tend to seek step-by-step formulas or rules, but in reality there are no magic bullets. Rather, says veteran company-builder Norm Brodsky, there's a mentality that helps street- smart entrepreneurs solve problems and pursue opportunities as they arise. Brodsky shares his hard-earned wisdom every month in Inc. magazine, in the hugely popular "Street Smarts" column he cowrites with Bo Burlingham. Now they've adapted their best advice into a comprehensive guide for anyone running a small business.
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This great audio was originally called The Knack!
- By morton on 12-16-11
By: Norm Brodsky, and others
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The Up Side of Down
- Why Failing Well Is the Key to Success
- By: Megan McArdle
- Narrated by: Mia Barron
- Length: 10 hrs and 38 mins
- Unabridged
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Most new products fail. So do most small businesses. And most of us, if we are honest, have experienced a major setback in our personal or professional lives. So what determines who will bounce back and follow up with a home run? If you want to succeed in business and in life, Megan McArdle argues in this hugely thought-provoking book, you have to learn how to harness the power of failure. McArdle has been one of our most popular business bloggers for more than a decade, covering the rise and fall of some the world' s top companies and challenging us to think differently about how we live, learn, and work.
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Good Book
- By Ray on 05-21-14
By: Megan McArdle
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One in five Americans now has medical debt in collections and rising health care costs today threaten every small business in America. Dr Makary, one of the nation's leading health care experts, travels across America and details why health care has become a bubble. Drawing from on-the-ground stories, his research and his own experience, The Price We Pay paints a vivid picture of price-gouging, middlemen and a series of elusive money games in need of a serious shake-up.
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Very important book!
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An American Sickness
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Not well balanced
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Unaccountable
- What Hospitals Won't Tell You and How Transparency Can Revolutionize Health Care
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Dr. Marty Makary is co-developer of the life-saving checklist outlined in Atul Gawande's best-selling The Checklist Manifesto. As a busy surgeon who has worked in many of the best hospitals in the nation, he can testify to the amazing power of modern medicine to cure. But he's also been a witness to a medical culture that routinely leaves surgical sponges inside patients, amputates the wrong limbs, and overdoses children because of sloppy handwriting. Over the last 10 years, neither error rates nor costs have come down, despite scientific progress.
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Everyone should read this book.
- By Julie on 06-11-16
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Sickening
- How Big Pharma Broke American Health Care and How We Can Repair It
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The United States spends an excess $1.5 trillion annually on health care compared to other wealthy countries—yet the amount of time that Americans live in good health ranks a lowly 68th in the world. At the heart of the problem is Big Pharma, which funds most clinical trials and therefore controls the research agenda, withholds the real data from those trials as corporate secrets, and shapes most of the information relied upon by health care professionals.
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Great info, but I’m confused…
- By Iread on 04-04-22
By: John Abramson
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America's Bitter Pill
- Money, Politics, Backroom Deals, and the Fight to Fix Our Broken Healthcare System
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America’s Bitter Pill is Steven Brill’s acclaimed book on how the Affordable Care Act, or Obamacare, was written, how it is being implemented, and, most important, how it is changing—and failing to change—the rampant abuses in the healthcare industry. It’s a fly-on-the-wall account of the titanic fight to pass a 961-page law aimed at fixing America’s largest, most dysfunctional industry. It’s a penetrating chronicle of how the profiteering that Brill first identified in his trailblazing Time magazine cover story continues, despite Obamacare.
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Great history, questionable solutions
- By Andrew S. Breza on 01-14-15
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Which Country Has the World's Best Health Care?
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The US spends more than any other nation, nearly four trillion dollars, on health care. Yet, for all that expense, the US is not ranked number one - not even close. In Which Country Has the World's Best Healthcare? Ezekiel Emanuel profiles 11 of the world's health-care systems in pursuit of the best or at least where excellence can be found.
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Confusing..
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The Price We Pay
- What Broke American Health Care - and How to Fix It
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One in five Americans now has medical debt in collections and rising health care costs today threaten every small business in America. Dr Makary, one of the nation's leading health care experts, travels across America and details why health care has become a bubble. Drawing from on-the-ground stories, his research and his own experience, The Price We Pay paints a vivid picture of price-gouging, middlemen and a series of elusive money games in need of a serious shake-up.
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Very important book!
- By Wayne on 05-17-21
By: Marty Makary MD
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An American Sickness
- How Healthcare Became Big Business and How You Can Take It Back
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It is well documented that our health-care system has grave problems, but how, in only a matter of decades, did things get this bad? Dr. Elisabeth Rosenthal doesn't just explain the symptoms; she diagnoses and treats the disease itself. Rosenthal spells out in clear and practical terms exactly how to decode medical doublespeak, avoid the pitfalls of the pharmaceuticals racket, and get the care you and your family deserve. She takes you inside the doctor-patient relationship, explaining step by step the workings of a profession sorely lacking transparency.
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Not well balanced
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Unaccountable
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Dr. Marty Makary is co-developer of the life-saving checklist outlined in Atul Gawande's best-selling The Checklist Manifesto. As a busy surgeon who has worked in many of the best hospitals in the nation, he can testify to the amazing power of modern medicine to cure. But he's also been a witness to a medical culture that routinely leaves surgical sponges inside patients, amputates the wrong limbs, and overdoses children because of sloppy handwriting. Over the last 10 years, neither error rates nor costs have come down, despite scientific progress.
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Everyone should read this book.
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Sickening
- How Big Pharma Broke American Health Care and How We Can Repair It
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- Narrated by: Kevin Stillwell
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The United States spends an excess $1.5 trillion annually on health care compared to other wealthy countries—yet the amount of time that Americans live in good health ranks a lowly 68th in the world. At the heart of the problem is Big Pharma, which funds most clinical trials and therefore controls the research agenda, withholds the real data from those trials as corporate secrets, and shapes most of the information relied upon by health care professionals.
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Great info, but I’m confused…
- By Iread on 04-04-22
By: John Abramson
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America's Bitter Pill
- Money, Politics, Backroom Deals, and the Fight to Fix Our Broken Healthcare System
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America’s Bitter Pill is Steven Brill’s acclaimed book on how the Affordable Care Act, or Obamacare, was written, how it is being implemented, and, most important, how it is changing—and failing to change—the rampant abuses in the healthcare industry. It’s a fly-on-the-wall account of the titanic fight to pass a 961-page law aimed at fixing America’s largest, most dysfunctional industry. It’s a penetrating chronicle of how the profiteering that Brill first identified in his trailblazing Time magazine cover story continues, despite Obamacare.
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Great history, questionable solutions
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Confusing..
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Blind Spots
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In Blind Spots, Dr. Makary explores the latest research on critical topics ranging from the microbiome to childbirth to nutrition and longevity and more, revealing the biggest blind spots of modern medicine and tackling the most urgent yet unsung issues in our $4.5 trillion health care ecosystem. The path to medical mishaps can be absurd, entertaining, and jaw-dropping—but the truth is essential to our health.
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Outstanding and arguably daring
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The Indoctrinated Brain
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Throughout the world, mental capacity is declining, especially among young people, while depression rates are rising dramatically. Meanwhile, one in forty men and women suffers from Alzheimer's, and the age of onset is falling rapidly. But the causes are not being eliminated, quite the opposite. Can this just be coincidence? The Indoctrinated Brain introduces a largely unknown, powerful neurobiological mechanism whose externally induced dysfunction underlies these catastrophic developments.
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Eye-opening and thorough
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Why We Remember
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A new understanding of memory is emerging from the latest scientific research. In Why We Remember, pioneering neuroscientist and psychologist Charan Ranganath radically reframes the way we think about the everyday act of remembering. Combining accessible language with cutting-edge research, he reveals the surprising ways our brains record the past and how we use that information to understand who we are in the present, and to imagine and plan for the future.
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I liked very much the narration and the authors touch on human brain structure
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The Pfizer Papers
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The Pfizer Papers features new reports written by WarRoom/DailyClout research volunteers, which are based on the primary source Pfizer clinical trial documents released under court order and on related medical literature. The Pfizer Papers offers an in-depth look at how Big Pharma, the US government, and healthcare entities stand protected behind the broad legal immunity provided by the Public Readiness and Emergency Preparedness Act (PREP Act) when creating, prescribing, and administering vaccines.
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Shocking to see that they knew
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By: The WarRoom/DailyClout Pfizer Documents Analysts, and others
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Effortless
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As high achievers, we’ve been conditioned to believe that the path to success is paved with relentless work. That if we want to overachieve, we have to overexert, overthink, and overdo. That if we aren’t perpetually exhausted, we’re not doing enough. But lately, working hard is more exhausting than ever. And the more depleted we get, the more effort it takes to make progress. Stuck in an endless loop of “Zoom, eat, sleep, repeat”, we’re often working twice as hard to achieve half as much.
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Laced with mistakes!
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Lies I Taught in Medical School
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For the first time in history, chronic diseases like diabetes, hypertension, and obesity plague our population on a global scale. From a seasoned physician, this paradigm-shifting book comprehensively explains the linked cause of chronic diseases and exposes the misconceptions prevalent in modern medicine. In Lies I Taught in Medical School, Robert Lufkin, MD, explains that metabolic dysfunction is the common underlying cause of most chronic diseases that has been overlooked for decades, providing the tools needed to prevent and reverse them in ourselves.
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Bold new perspectives
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What listeners say about Never Pay the First Bill
Average customer ratingsReviews - Please select the tabs below to change the source of reviews.
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- Tere R
- 08-14-21
Superbly written
probably one of the most comprehensive easy to understand and informative books on the topic of how we are being raped by the healthcare system. Marshall Allen has done a tremendous service to those battling high health insurance costs hospital costs. This is a must read for those Going through a difficult time in healthcare.
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- SouthDenverDave
- 06-13-22
Must Read
If you want to save $ on medical bills? Listen/read this is an essential book!
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- Gardenstate Reader
- 05-21-22
If ever there was a book every American should read, this is it!
“Shocked” is the best way to describe how I felt listening to this. As a healthcare provider I’m shocked how we are cheating patients; as a patient I’m shocked how much I’m being cheated. You always hear how twisted the healthcare system can be, but finally there are easy to understand steps to take thanks to this book! It really should be required reading for anyone in the US. I found it so insightful I couldn’t stop excitedly reciting facts to my wife (I’m sure it drove her nuts) and I had to purchase the hardcover so I can take notes. Oddly, I’m now looking forward to my next medical bill so I can put some of these tips into practice.
Thank you for writing this!
On the technical sides for the audio, it was perfect all around.
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- Angelica
- 08-19-22
have you ever wanted to reduce your medical bill
this book gives step by step instructions on how to minimize your health care costs and how to fight billing errors effectively. read with a notebook ready to write down action steps. great insight for business owners to reduce the costs of health care for your workforce as well
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1 person found this helpful
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- Leigh Tussey
- 01-26-23
Prepare for emergencies ahead of time!
Amazing! I will need to get myself a hard copy so that I can easily take notes and reference various pieces, just in case I have some emergency and wind up needing it. I highly reccomend!!!
This gives incredibly useful breakdowns of where the medical system goes wrong and how to stand up for yourself
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- alqueezius
- 03-11-24
Saved me $300 and my sanity
this book was well written, wonderfully paced, and engaging. it saved me hundreds of dollars and explain things in a way to where it was simple enough for me to understand but not too simple to wear but like I was being talked down to.
Marshall gives you the tools to understand the system and protect yourself.
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- Melissa Pitchford
- 08-11-21
Must Listen
This book walks you through the realities of the American healthcare system in a way that helps the average consumer understand, advocate and fight for their interests.
Every American (and interested internationals) will learn an enormous amount about the healthcare system in the process.
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- Don Jones
- 04-09-22
Saved me thousands of dollars
Had a difficult claim experience with my insurance provider where the bill for lab work was being treated as out of network even though I was going to an in-network facility. Used Marshall's techniques and templates to successfully communicate my case and get a resolution saving me thousands of dollars in fees.
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- Kindle Customer
- 09-30-21
Comprehensive Guide To Not Getting F***d by Bills
I've been waiting for this book for months and it did not disappoint. It's a deep dive into the world of insurance, healthcare, medical billing, codes, negotiation hacks, and everything you need to navigate that world. I've successfully corrected some minor medical billing errors using the knowledge gained from this book, and feel confident armed with the knowhow to keep myself from getting screwed if and when I have big, or emergency, medical costs.
This book was extremely practical, but if you want a deeper dive on the history of how we got here, I recommend An American Sickness by Elizabeth Rosenthal. Cheers.
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2 people found this helpful
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- Kevin C. Lyons
- 08-28-21
outstanding!
Written so clearly to the average consumer. Great words of wisdom at the end, wr have nothing to lose by standing up to the Goliaths!
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