WORKING DRAFT · The Medical Bill Family Edition (Vol VII) · built from the real volume + workbook · Regular price $39 · launch price $31.20 (20% off at launch)
Digital Reference Library · Informational & Educational Only
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Volume VII · Medical Billing

The Medical Bill Family Edition

For any household facing a hospital or medical bill.

A verified, plain-language reference for reading, checking, and resolving medical bills — the federal rights that protect you, the errors that quietly favor the hospital, and where to confirm every rule. Built for any household holding a bill it isn't sure about.

110Pages
28Workbook pp
12Topics
11Workbook tabs
Digital Reference Volume · Volume VII
$39$31.2020% off · launch
Instant digital download · read on phone, tablet, or computer.
Not Yet for Sale Sample Coming Soon
  • The 110-page reference volume (PDF)
  • The companion workbook — 11 tracking tabs
  • Bill Receipt Log, Itemized Bill Audit, Charity Care tracker
  • One year of updates included
  • Guest checkout — no account required
Instant delivery · download on purchase
Sources verified · CMS, CFPB, HHS, IRS
One year of updates included
Non-refundable · digital, final on download
What this volume is

The bill, decoded.

Patient-advocacy research consistently finds that a large share of itemized hospital bills carry at least one chargeable error — and the errors favor the hospital. Most households pay the summary statement on receipt without ever cross-checking it. This volume explains the federal rights that protect you, how to read what you were actually charged, the common traps, and where to verify each rule. Like every TROVELL volume, it is a reference, not advice — it describes how things generally work and points you to the official source and to a professional for your own bill.

Inside this volume

The topics it covers

Twelve federal rights, protections, and reconciliation tools — each in plain language with its official source.

CMS · 42 CFR 482
Your Right to an Itemized Bill
The federal right to a fully itemized, line-by-line bill on written request — the document errors hide behind.
IRC §501(r)
Hospital Charity Care
Nonprofit hospitals must maintain a Financial Assistance Policy — who qualifies and what it forgives.
Reconciliation
EOB vs the Provider Bill
Reading the insurer's Explanation of Benefits against the hospital's bill to catch the gap.
No Surprises Act
Balance Billing
Out-of-network and surprise bills, and the federal protections that apply to them.
When the plan pays 100%
Out-of-Pocket Maximum
The yearly cap that most households never track — and overpay near year-end.
Two plans, one person
Coordination of Benefits
How a primary and secondary plan are supposed to pay, and why claims stall.
CFPB Regulation F
Medical Debt & Credit
How medical debt is reported — and the rules that limit it.
FDCPA · 15 USC 1692
Debt Collectors
The written validation right and the 30-day window when a collector makes contact.
State medical debt
Statute of Limitations
How long a medical debt can legally be sued on, by state.
EMTALA
Emergency Care
The federal right to emergency treatment regardless of insurance status.
Code decoder
Itemized Bill Audit
Reading the CPT and billing codes on a bill and spotting the common chargeable errors.
FPL bands
Assistance Eligibility
Premium Tax Credit, Medicaid, and sliding-fee thresholds tied to the Federal Poverty Level.

Companion Workbook

11 tracking tabs · 28 pages

Fill in the household's insurance details once on the Profile tab; the bill log, audit worksheet, and trackers all work from it.

01 Welcome02 README03 Profile04 Bill Receipt Log05 Itemized Bill Audit05a Code Decoder06 Charity Care Tracker07 Coordination of Benefits08 Quick Reference09 Annual Calendar10 Resource Map

Read a real page

Sample · EOB vs Provider Reconciliation
Explanation of Benefits Sample
Service Billed Plan paid You owe
ER visit · 99284 $1,840 $1,470 $370
Lab panel · 80053 $220 $176 $44
CT imaging · 74176 $900 $720 $180
Total $2,960 $2,366 $594
1

$594 is the ceiling. In-network, the "You owe" total on the EOB is all the household owes — no more.

2

A provider bill for more than $594 is likely improper balance billing under the No Surprises Act. The workbook lines the two documents up so the gap is visible.

3

One flagged trap: moving a medical bill onto a credit card converts protected medical debt into ordinary consumer debt — and most protections stay with the medical debt.

Sample figures for illustration. No Surprises Act · CFPB Regulation F · verify with your insurer and regulator.

Verify it yourself

Every rule links to its source

CMS.govCFPB.govHHS.gov IRS.gov (501(r))HealthCare.govState Dept. of Insurance

Federal amounts and rules change; every figure in the volume and workbook is documented to its agency source and verified as of 2026.

Before you buy

Good to know

Is this legal, tax, medical, or billing-coding advice?
No. It is a digital reference for general educational and informational purposes only. TROVELL is not a law firm, a billing-coding consultancy, or a medical provider. It describes how things generally work and points you to official sources and licensed professionals.
Does it tell me what to do?
No. It documents the rights and the mechanisms and where to verify them. It does not instruct you on a course of action for your own bill.
What's your refund policy?
Digital volumes are non-refundable. The file is delivered instantly and downloaded on purchase, so all sales are final.
How long do I get updates?
One year of free updates begins on the purchase date.

The Medical Bill Family Edition

Read the bill, know your federal rights, and see the errors that favor the hospital — in one plain-language reference.

$39$31.2020% off · launch
Not Yet for Sale

One year of free updates included with purchase.

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