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The kit opens Tuesday, October 20, at 10 AM ET.

Medical bills suck. Never pay a bill you don't owe.

You got the care. You paid your premium. You got a bill anyway. And a denial that explains nothing. It's one more bill on top of all the others, and you don't know if you owe it.

Show me what to check before I payFree guide: Before You Pay That Medical Bill. Takes 10 minutes.

One question. Four calls.
Two lunch breaks. Still no answer.

It's 9 PM. Everyone else is in bed. You open the mail at the kitchen counter.

There's a medical bill. $614. For a visit you thought your insurance covered.

Then there's the paper from your insurance. It's full of codes. It says “denied.” It doesn't say what to do.

You set them next to the electric bill. And the car payment. And the grocery list.

Everything costs more these days. There is no extra $614.

So you called on your lunch break.

  1. You called the billing office.
  2. “Call your insurance.”
  3. You called your insurance.
  4. “Call the billing office.”
  5. Nothing has changed.

You always pay your bills. But you can't afford to pay a medical bill you don't owe.

And you don't know if you owe this one. Nobody will tell you.

That's not you.
It's the system.

You did everything right:

  • You paid the premium.
  • You made the calls.
  • You asked the question.

And you still can't get a clear answer. That is not an accident.

I call it Strategic Dysfunction™. It's a system that makes the process so hard you give up and pay.

And it works.

19%of in-network claims were denied by Marketplace health plans in 2024.[1]

Fewer than 1%of those denials were appealed.[1]

Read that again. Fewer than 1%.

Every time someone gives up and pays, the system wins. It counts on you being too tired or too busy to check.

I'm not mad at the person who answered the phone. They're stuck in it too. I'm mad at a system that gets paid when you quit.

The medical billing merry-go-round

  1. A confusing bill arrives.

  2. $614 due. “Wait, I thought I paid this?”

  3. Then the EOB (insurance form) arrives. “This form makes even less sense.”

  4. Call 1: the medical practice. “You need to talk to your insurance company.”

  5. Call 2: the insurance company, on your lunch break. “The practice coded this wrong. You need to call them.”

  6. The repeat cycle. 4 calls and 2 weeks later, nothing has changed. Back to the start.

The hidden deadline: the appeal clock is ticking the whole time, and nobody tells you.

The medical billing merry-go-round. A confusing $614 bill arrives in the mail. Then the insurance company's Explanation of Benefits arrives, which makes even less sense. Call 1, to the medical practice: you need to talk to your insurance company. Call 2, on a lunch break, to the insurance company: the practice coded this wrong, you need to call them. The repeat cycle: 4 calls and 2 weeks later, nothing is fixed. Time is wasted, money and time are tight, and the appeal clock is ticking without anyone telling you.
The billing office sends you to your insurance. Your insurance sends you back to the billing office.

Picture the next medical bill.

This time, you know what to do.

  • You know what to look for. You lay the bill next to the paper from your insurance.
  • You know who to call first.
  • You know what to say, word for word.
  • You know what to write down: the name and the reference number.

A few weeks later, you have your answer. It's one of two.

You owe it. Now you know.

You pay it. You stop wondering. That's not losing. You paid because you checked, not because a bill told you to.

The bill was wrong. Now it's fixed.

You owe less. Or nothing. Nobody was going to tell you. You found it yourself.

Either way, your lunch break is yours again.

Your money goes to gas, groceries and your family. Not to a bill you don't owe.

Show me what to check before I payFree guide: Before You Pay That Medical Bill. Takes 10 minutes.

It happened to my family, too.

My husband needed a lift to come home safely. His insurance told me on the phone it was covered. Then the denials came anyway, until the bill hit $2,090.83.

I wrote down four things about that call:

  • The date
  • The time
  • Her name
  • What she told me

I was so tired on that call that I forgot to ask for a reference number.

So the call log in my kit has a line for it. You don't have to remember. You just fill it in.

I asked for the recording of that call. It took 8 calls over 6 months. Each time, I had my notes. And I knew the rules the insurance company had to follow.

The insurance company paid the whole balance.

I used the same steps, scripts, tools and letters that are in my DIY Kit. Results vary.

I've done the same for other families:

  • A $22,085 bill went to $0.
  • A $3,948.42 bill went to $0.
  • One family's bill turned out to be right. They owed it. They told me they were just glad to know for sure.

I got these results in my one-on-one work, using the same steps, scripts, tools and letters that are in the kit. Results vary.

“Our $3,948.42 balance went to $0. My highest recommendation!”

Carl, Google review

Is this for you?

YES, this is for you if…

  • You have health insurance through work or the ACA Marketplace
  • You already got the care
  • You have a bill that looks wrong, a denial letter, or both
  • Your plan is through a church or a state or local government job

NO, this is not for you if…

  • You have Medicare, Medicaid, VA or TRICARE
  • You have a health plan for federal employees
  • Insurance said no before your care (prior authorization)
  • You're in a health care sharing ministry
  • Your bill is part of a lawsuit or bankruptcy, or you already have a lawyer
  • Your bill is from a work injury (workers' compensation)
Kim Feth, founder of Medical Bills Suck.

No bill is too small when it's your money.

I'm Kim Feth, and I'm just like you. I can't afford to pay a medical bill I don't owe. Any medical bill is a big bill to me.

People kept coming to me with bills nobody else would take. They were told their bills were too small.

That made me mad. These are my neighbors.

When I started, my husband and I made one rule: people before profits.

So I stopped keeping what I know to myself.

The guide is free. The workshop is free. You get 2 bonuses just for coming live. The rest of what I know is in one kit.

My background:

  • Nearly 10 years in medical billing. I've worked inside billing offices. I know how a bill gets made and where it goes wrong.
  • 13 years in social work, including as a discharge planner at a Level 1 trauma center and as a home health social worker.
The cover of The Medical Bills Suck DIY Kit: The DIY Kit, plus The Map, a step-by-step decision tree. Never pay a bill you don't owe. By Kim Feth, BSW.

In The Medical Bills Suck DIY Kit, I give you the steps, scripts, tools and letters to fight your own medical bill or insurance denial. Use them again and again.

Questions people ask me about medical bills

How do I know if I owe a medical bill?

You can't tell from the bill alone. You also need the paper your insurance sent you. It's called an Explanation of Benefits, or EOB. If the two don't match, you may want to wait to pay until someone explains why. My free guide gives you 7 checks you can do in about 10 minutes.

What is an EOB?

EOB stands for Explanation of Benefits. It's a paper from your insurance company. It shows what was charged, what insurance paid and what it says you owe. It is not a bill.

What do I do if my medical bill and my EOB don't match?

You may want to wait to pay the difference. The law is different in each state. Start with your medical provider's billing office. They are the only ones who can fix a mistake on the claim. My free guide gives you the words to say on that call.

How long do I have to appeal an insurance denial?

It depends on your plan, and the clock starts when you're told no. The kit shows you how to find yours. Don't wait.

How long does it take to fix a medical bill?

In my experience, just one call almost never fixes a bill or an insurance denial. Most take 4 to 12 weeks. Some appeals take up to 6 months.

Does this work for Medicare or Medicaid?

No. Medicare, Medicaid, VA and TRICARE follow different rules. My guide and my kit are for insurance through work or the ACA Marketplace.

What is The Medical Bills Suck DIY Kit?

It gives you the steps, scripts, tools and letters to fight your own medical bill or insurance denial. You can use them again and again. It opens Tuesday, October 20, 2026, at 10 AM ET.

Is the guide really free?

Yes. You give me your first name and email. I send you the guide.

Is this legal advice?

No. This is general education. I'm not an attorney, an insurance agent or a financial advisor.

You paid the premium.
Don't pay a bill you don't owe.

The system counts on you being too tired to check. Check anyway. It takes 10 minutes.

Show me what to check before I payFree guide: Before You Pay That Medical Bill. Takes 10 minutes.