Let's talk from a biblical perspective. There is truth and there is falsehood. When you're

standing on the side of truth and what's right, you have a tremendous amount of moral force

behind your argument. And so when patients are being taken advantage of and they're being

wronged and they can show with evidence that they are being wronged, there is a tremendous

amount of moral force behind that argument. And do not ever, especially as Christians, we should

never underestimate the power of what's true and what's right. And so even though you might not win, you will never win if you don't stand up and fight.

I'm Warren Smith, and today you'll be listening in on my conversation with Marshall Allen.

He's the author of a new book about our health care system called Never Pay the First Bill and other ways to

fight the health care system and win.

I just helped a young woman who was hit with a $78,000 bill.

So her husband's a truck driver.

They make a decent income, but not enough money to handle a $78,000 bill because her insurance

company had approved a procedure.

The doctor then altered the procedure a little bit because he said he needed to.

And you know, you want your doctor to be able to do that if it's medically necessary.

The insurance company then denied payment for it and the hospital price gouged them.

So she was stuck with a $78,000 bill.

The hospital and the insurance company said there's nothing we can do.

They were telling her you're going to have to declare bankruptcy.

I showed this woman using the insurance warrior's guidance, the insurance warrior's mindset,

how to write a memo, how to make an

appeal that was based on concrete evidence and not just emotion. And she just called me two

...