Insurance Guide
Understanding insurance coverage, claims, and benefits
Allowed Amount vs. Negotiated Rate: What Your EOB Is Really Saying
Discover why your doctor charges $500 but insurance only pays $150. Learn how allowed amounts and negotiated rates work, why healthcare prices vary dramatically, and how to use this knowledge to avoid overpaying.
Deductible vs. Out-of-Pocket Max: What Families Need to Know Before Their Next Appointment
CostKits reveals how many families underestimate healthcare costs. Learn strategic timing that can help families find savings through optimized insurance planning.
EOB vs Medical Bill: The Complete Guide to Understanding Healthcare Documents
Learn the critical difference between an EOB and medical bill, how to use them together to catch billing errors, and avoid overpaying for healthcare with our complete step-by-step guide.