Desk
Health
The seven-year rule came from tax law and covers a small share of what you hold; the records that matter longest prove ownership, condition and terms on a date.
HealthCecelia Hartnoll
Health
A state license, a board certification, a facility accreditation and a supervision agreement do four different jobs, and only one of them decides who may treat you on a Thursday.
HealthCecelia Hartnoll
Health
The seven-year rule most households follow answers only one question, and the records that cause real trouble are the ones tied to an asset or a local rule rather than a tax year.
HealthBram Voskuijlen
Health
A summary statement, an itemized bill and an explanation of benefits answer different questions, and which one settles a dispute depends heavily on where you were treated.
HealthCecelia Hartnoll
Health
A routine outpatient procedure produced two separate claims, and the line that decided the balance was a facility fee governed differently in almost every state.
HealthBram Voskuijlen
Health
A single course of physical therapy, run twice at two clinics, shows what a plan of care really costs in dollars, hours and workdays, and which decisions move the number.
HealthYolanda Escamilla
Health
A course of treatment is priced in stages, not once, and the rules give you more written detail than most clinics offer unprompted. Here is what to ask for and when.
HealthBram Voskuijlen