Ever get blindsided by a hefty hospital bill? Dave Conley and Jerremy Newsome sit down with Rhiannon Hiter to unlock the EOB playbook: read CPT/ICD codes, demand a super bill, and contest denied claims. Discover how to spot red flags in insurance agents, time your policy application, and keep vital documentation and communication to protect your finances. 

Timestamps

• (00:00) Challenging Surprise Bills – Rhiannon’s step‑by‑step guide to fighting back 
• (00:32) Decoding Your EOB – How to interpret benefits and spot billing errors 
• (09:06) Choosing an Agent – Red flags vs. trusted brokers in a commission‑driven world 
• (11:05) Timing Your Policy – Why applying 45–60 days ahead avoids underwriting delays 
• (11:30) Exposing Sales Tactics – Recognizing pressure‑sale expiration tricks 
• (11:48) Early Application Wins – Securing medical records to streamline approval 
• (12:39) Broker Red Flags – How low retention rates reveal short‑term sellers 
• (14:00) Family vs. Individual Plans – Key differences that affect coverage gaps 
• (15:00) Agent Training Principles – Ethical best practices that protect clients 
• (15:34) Proactive Health Choices – Why lifestyle matters as much as policy terms
• (18:45) Demanding Transparency – Leveling consistent pricing across providers

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