Make Them Answer: The A.R.E. Method for Getting Heard and Results from Doctors, Insurers, Government Agencies, Employers, Other Powerful Systems

Nineteen out of twenty people give up. That is your advantage.Insurers deny roughly one in five in-network claims. Consumers appealfewer than one percent of them. When people appeal, a large shareof those denials get reversed; by the same company that just said no.The gap between how often people fight and how often fighting works isthe most valuable unclaimed asset in your life. Make Them Answeris the field manual for claiming it.You are not facing a wall of indifference. You are facing a flowchart; and flowcharts have documented weak points. This book turns those weak points into a three-step routine you can run without a law degree: Build a request so specific it cannot be filed under miscellaneous.Keep a file better than theirs. It is easier than you think and it wins.Climb the ladder on a schedule, until you reach someone whose job depends on resolving it.InsideField guides for doctors and hospitals, health insurers, government agencies, employers and HR, and banks, credit bureaus, utilities and telecoms plus a quick appendix on schools, landlords, auto insurance, airlines, colleges, HOAs, veterans' benefits and licensing. Sixteen full-page worksheets, each on its own page so you canphotocopy them: contact log, deadline calendar, appeal builder, evidence index, and more.Twelve copy-and-send letters and 10 phone scripts, written word for word.Fifthy charts, ladders and flowcharts and the escalation ladderfor every major system, with the real names of the departments. The free resource directory: which regulator, which ombudsman, which free advocate including the congressional caseworker almostnobody knows to call.Twenty-four Hartman's Laws one-sentence rules for the moment youare too tired to remember a chapter.Every statistic comes from public federal and nonprofit sources, citedchapter by chapter. Written for professionals, in plain English, with adry sense of humor about a system that has earned it.You were not being difficult. You were being ignored. There is adifference, and it matters.