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Become a supporter of this podcast: https://www.spreaker.com/podcast/insurance-explained-not-sold--7172836/support.]]>enHealth & Fitness© 2026 Let's Work This Sh*t Outhttps://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/557276b184772bc7500b9f73f5dba736.jpghttps://www.senseofthisshit.comFri, 21 Aug 2026 06:04:19 +0000FinchLet's Work This Sh*t Outinsurance@senseofthisshit.comInsurance Explained (Not Sold) is a health insurance literacy podcast for working-age adults confused by benefits and medical bills—EOB and deductible literacy without broker sales. We own EOB decoding, deductible and OOP max literacy, HSA tool...
Become a supporter of this podcast: https://www.spreaker.com/podcast/insurance-explained-not-sold--7172836/support.]]>false298d9067-5f0e-5f31-8dca-e3dc84a4ff09episodicSupport the podcast!https://www.spreaker.com/episode/insurance-explained-not-sold-main-episode-for-2026-07-17--74133883
Welcome to Insurance Explained (Not Sold). I'm Finch. Many working adults still open medical bills weeks after treatment and feel stuck because the numbers do not match what the office staff described at checkout. The thing is, an explanation of benefits form often lists adjustments and codes that hide how much you actually owe. However, those same forms contain the details needed to challenge errors before payment is due. In fact, the reality is that small mismatches in service dates or duplicate entries add up fast when left unchecked. For example, a provider might bill for a visit already covered under your deductible, yet the statement shows no credit applied. Meanwhile, your out of pocket maximum resets each year, so old credits disappear without notice. That said, you can start fixing this by matching every line on the form to your appointment records. Next, call the insurer and re

Subscribe for weekly explainers — no guru fluff, just tactics you can apply this week.

📩 Have questions or want to share your experience? Reach out at insurance@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podca...]]>c15061b7-d1e2-5ee4-95e4-c9a3912d51dbFri, 21 Aug 2026 06:00:08 +0000FinchIn this episode, we cover Insurance Explained (Not Sold) main episode for 2026-07-17. The conversation opens with: Welcome to Insurance Explained (Not Sold). I'm Finch. Many working adults still open medical bills weeks after treatment and feel stuck...
Welcome to Insurance Explained (Not Sold). I'm Finch. Many working adults still open medical bills weeks after treatment and feel stuck because the numbers do not match what the office staff described at checkout. The thing is, an explanation of benefits form often lists adjustments and codes that hide how much you actually owe. However, those same forms contain the details needed to challenge errors before payment is due. In fact, the reality is that small mismatches in service dates or duplicate entries add up fast when left unchecked. For example, a provider might bill for a visit already covered under your deductible, yet the statement shows no credit applied. Meanwhile, your out of pocket maximum resets each year, so old credits disappear without notice. That said, you can start fixing this by matching every line on the form to your appointment records. Next, call the insurer and re

Subscribe for weekly explainers — no guru fluff, just tactics you can apply this week.

📩 Have questions or want to share your experience? Reach out at insurance@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podca...]]>261advice,audio,checklist,essentials,guide,habits,howto,insights,learn,listen,overview,plan,playbook,podcast,practical,show,story,strategies,tips,toolsfalse12fullhttps://www.spreaker.com/episode/master-eob-deductible-literacy-using-hsa-tools-bill-advocacy--72935220
Key takeaways:
- Match EOB details line-by-line with appointment records to catch discrepancies early
- Track running deductible totals yourself to avoid surprises from delayed updates
- Align HSA withdrawals with corresponding EOBs for seamless record-keeping
- Dispute errors factually in writing, including reference numbers from both documents

Trusted resources (primary sources):
• FTC consumer advice: https://consumer.ftc.gov/

This is general education, not financial or legal advice.

📩 Have questions or want to share your experience? Reach out at insurance@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podca...]]>303e7c09-a88b-401b-ade4-2174e8cc9a95Sun, 12 Jul 2026 04:26:57 +0000FinchIn this episode, we break down the essential skill of reading your Explanation of Benefits (EOB) documents and tracking deductibles to take control of medical costs. Many people feel overwhelmed by these statements, unsure of what they actually owe...
Key takeaways:
- Match EOB details line-by-line with appointment records to catch discrepancies early
- Track running deductible totals yourself to avoid surprises from delayed updates
- Align HSA withdrawals with corresponding EOBs for seamless record-keeping
- Dispute errors factually in writing, including reference numbers from both documents

Trusted resources (primary sources):
• FTC consumer advice: https://consumer.ftc.gov/

This is general education, not financial or legal advice.

📩 Have questions or want to share your experience? Reach out at insurance@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podca...]]>305bill-advocacy,claim-dispute,coverage-explained,deductible-tracking,eob-literacy,explanation-of-benefits,financial-health,health-insurance,health-plan,health-savings-account,hsa-tools,insurance-education,insurance-literacy,insurance-tips,medical-billing,medical-bill-review,medical-expenses,patient-advocacy,personal-finance,self-advocacyfalse11full