The Clark Howard Podcast 01.21.26 Appeal Health Insurance Denials / Fight Skyrocketing Power Bills
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Jan 21, 2026 Dive into the often predatory world of health insurance, where companies deny claims as a tactic. Learn why self-advocacy is crucial when tackling outrageous hospital bills. Discover how large tech data centers are affecting your power bills and why you shouldn't shoulder their costs. Clark reveals strategies for appealing medical denials and suggests using home batteries and solar as tools to combat rising energy expenses. Plus, get tips on managing health savings accounts effectively.
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Insurers Use Denials As A Cost Strategy
- Health insurers sometimes deny valid claims as a deliberate strategy to save money.
- Clark Howard says appealing denials often succeeds and consumers must self-advocate.
Get And Scrutinize The Itemized Hospital Bill
- Always demand the full itemized hospital bill when you receive a large summary bill.
- Use tools (or a tech-savvy friend) to analyze the itemized bill and dispute errors before paying.
Use AI Or Help To Find Billing Errors
- If you can't analyze a long bill yourself, enlist a family member or friend's kid to run it through an AI assistant.
- Clark Howard highlights AI like Google's Gemini to quickly spot billing errors.