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Unmasking Medical Debt
Plain-English guides to navigate complex billing and insurance for Texas residents. Get clarity before you pay.
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Your guide to clarity
We break down the complexities of healthcare finance into actionable, easy-to-understand strategies.
Medical Billing Codes
Decode every charge and understand your rights. Stop surprise bills in their tracks.
Insurance Appeals
Learn how to challenge denials and dispute unfair claims with confidence.
Texas Regulations
Stay informed on state-specific laws protecting consumers from predatory practices.
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New guides & articles

Lab Medical Necessity: NCDs, LCDs, and ABNs Explained
How Medicare decides if a lab test is covered: lab NCDs, Novitas LCDs, frequency limits, and when to use an ABN with modifiers GA, GZ, GX and GY.
·5 min read

CLIA Certificates and Modifier QW: Billing Waived Lab Tests
CLIA certificate types, where the CLIA number goes on the CMS-1500 and 837P, and when Medicare requires modifier QW for waived lab tests.
·4 min read

Common Lab Billing Denials and How to Fix Them
The 10 most common lab claim denials, from missing CLIA numbers and QW modifiers to medical necessity, frequency limits and panel unbundling, with fixes for each.
·6 min read

RPM Billing Guidelines for Medicare and Commercial Insurance
Remote Patient Monitoring billing explained: CPT codes 99453, 99454, 99457 and 99458, Medicare rules, commercial payer differences, documentation and common denials.
·7 min read

CPT and ICD-10 Codes on Your Medical Bill, Explained
What CPT, HCPCS and ICD-10 codes on your medical bill mean, the most common coding errors, and how to check and dispute them.
·4 min read

Coordination of Benefits: Who Pays First When You Have Two Health Plans
Have two health insurance plans? Learn the coordination of benefits rules, including the birthday rule and Medicare, and how to fix COB claim denials.
·4 min read
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