01.21.26 Appeal Health Insurance Denials / Fight Skyrocketing Power Bills

Summary

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The Clark Howard Podcast

Episode: 01.21.26 — Appeal Health Insurance Denials / Fight Skyrocketing Power Bills

Date: January 21, 2026
Host: Clark Howard

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Episode Overview

In this episode, Clark Howard tackles two major issues affecting consumers today:

1. How to appeal health insurance denials and scrutinize medical bills
2. Strategies to combat skyrocketing power bills, especially in the era of AI data centers

Clark answers listener questions on dealing with confusing medical charges, protecting children's credit, navigating technology price hikes, and making smart moves with HSA accounts. As always, his main focus is empowering listeners with actionable steps to save money and avoid financial pitfalls.

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Key Discussion Points & Insights

1. Fighting Health Insurance Denials and Medical Billing Errors

Clark dives deep into the frequency and strategy behind insurance claim denials:

• Vast Majority Never Appeal:
  • “Only a tiny percent of people, depending on whose report you believe, a couple of percent of people ever appeal a denial... Overwhelmingly when you do appeal... you win. Data is clear on that.” (Clark, 03:03)
• Actionable Steps:
  • Always request a full itemized bill from the hospital, regardless of its length.
  • Leverage AI assistance (like Google Gemini) to help analyze complex, lengthy medical bills for inaccuracies.
• AI & Medical Bills:
  • “I mentioned recently someone used AI to go through one of those zillion page bills and reduce their bill by over 80% because there was all kinds of stuff that never happened to them on there.” (Clark, 05:09)
• Advocacy:
  • Clark strongly encourages listeners to be their own effective advocates and not simply pay what is billed without scrutiny.

Listener Q&A:

• [06:33] Steve in Washington:
  Situation: Insurance denial for a $5,500 lab test (Decipher test) for prostate cancer. Clark's Advice:

  • Research test validity via resources like the Prostate Cancer Foundation.
  • Use expert opinions in appeals.
  • Contact your state insurance department if insurer acts in "bad faith."
  • “Insurance is regulated by the states and if this insurer is failing to act in good faith, one of the levers you can push is filing a complaint potentially with your state insurance department.” (Clark, 09:25)
  • Balance vigilance with careful engagement; don’t threaten, just seek answers and escalate thoughtfully.

• [10:52] John in Oklahoma:
  Situation: $300 deposit to a doctor not reflected on insurance or EOB. Clark's Advice:

  • Write a courteous letter directly to the doctor requesting clarification.
  • If unresolved, file a complaint with your state's American Medical Association affiliate.

• [13:09] Stephanie in Texas:
  Situation: Credit compromised for herself and her 5-year-old son. Clark’s Guidance:

  • Go through the tedious process to freeze a minor's credit, despite the hassle.
  • “Child identity theft is amazingly common. And now that your child's information is vulnerable... it's worth doing.” (Clark, 13:53)

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2. Tackling Skyrocketing Power Bills: The AI Data Center Effect

Clark discusses the impact of data centers on consumer power costs:

• The Problem:
  • Huge AI data centers drive peak electricity demand, leading utilities to pass costs to everyday consumers and businesses.
  • “You and me as consumers... should not be subsidizing the power needed for these data centers. Unfortunately, these big technology companies... are really politically powerful.” (Clark, 17:17)
• Clark’s Public Policy Stand:
  • Advocates for requiring data centers to pay their actual share.
  • Proposes data centers invest in their own microgrids and battery solutions.
• Personal Action Steps:
  • Homeowners: Invest in solar panels and batteries (costs vastly reduced recently).
  • Renters/Non-owners: Employ low-cost energy-saving measures.
  • Be proactive: “You don't want to be a sitting duck... control what you can.” (Clark, 20:24)

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3. Listener Mailbag: Miscellaneous Consumer Issues

[22:20] Lithium Battery Investing

• Jeff in Pennsylvania:
  Concerned about the future of lithium extraction companies with the rise of solid-state batteries.
• Clark's Take:
  • The future is too uncertain; don’t “bet the farm” on any one tech. Diversify and invest cautiously.
  • “You need to be very cautious how much you put into one particular company coming up with one method.” (Clark, 23:34)

[24:41] Ring Home Security Price Increase

• Allison in California:
  Upset over Ring’s $100 annual fee hike.
• Clark’s Perspective:
  • Amazon is ending subsidies; the new fee, though higher, is still below most competitors.
  • “Amazon was really being Santa Claus and now they've decided they don't want to be Santa Claus anymore.” (Clark, 25:40)

[26:47] HSA Account Management

• Tim in Indiana:
  Employer-offered HSA pays poor interest and has high transfer fees.
• Clark's Advice:
  • Once the minimum is met, periodically transfer funds to low-cost providers like Fidelity, even with a transfer fee.
  • Encourage HR to evaluate better HSA options for employees.

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Notable Quotes & Memorable Moments

• On Insurance Denials:
  • “It's not just UnitedHealthcare... this is a clear strategy of health insurers to deny valid claims. And you don't just take it. Most people do.” (Clark, 02:26)
• On Using AI to Fight Billing Errors:
  • “I've got Gemini on the screen right here... I could load that bill into it and tell it, hey, analyze this bill for me.” (Clark, 05:41)
• On Rising Energy Bills & Data Centers:
  • “What utilities are doing is they're petitioning state regulators to be able to dramatically increase the standby capability... for the few hours a year when the demand being created by these power centers collides...” (Clark, 18:10)
• Ring Price Increase:
  • “Amazon is offering... at the new much higher price, is still much, much lower than the marketplace prices for monitoring a security system.” (Clark, 25:26)

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Timestamps of Key Segments

• 00:35 — Episode Introduction: Medical bill denials and power bill hikes
• 03:00 — Insurance claim denials and why to always appeal
• 05:00 — How to audit and dispute big hospital bills using AI
• 06:33 — [Steve, WA] Prostate cancer test denial: insurance appeals and advocacy
• 10:52 — [John, OK] Mystery medical charge not showing in insurance
• 13:09 — [Stephanie, TX] Freezing a child’s credit after data breach
• 17:13 — The AI data center energy boom and surging power bills
• 22:20 — [Jeff, PA] Lithium industry investing vs. new battery tech
• 24:41 — [Allison, CA] Ring security subscription price hike
• 26:47 — [Tim, IN] Bad HSA plan and moving funds to low-cost alternatives

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Final Takeaway

Clark’s key message is proactive advocacy: Appeal unfair insurance decisions. Scrutinize all medical bills. Protect your credit—even (especially) your child’s. Push back on unfair consumer charges. Take steps (small or large) to shield yourself from rising costs, whether on your utility bill or through wise technology choices.

Clark ends with a note of thanks and an invitation to engage further via social channels and clark.com.

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“Have a wonderful week of empowerment and we will be at your service on Friday.”
(Clark Howard, 28:55)

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Transcript

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[Clark Howard]

It's my pleasure to welcome you here to the Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you to make better financial decisions in your life. Today I'm going to address something that's costing so many of us so much money. Insurance claim denials or improper bills. We're going to talk about both of those and also all across America, these ratcheting up power bills because of the data centers. From a public policy standpoint, what should be going on? And then second, what can you do in your own life to deal with these rising bills? We'll talk about those two things. What should the politicians be doing to protect us? And then second, what can we do to protect ourselves? All right, Claims from medical are crazy. I mean, just crazy. You get a bill and an insurer says we ain't paying. Are you have a hospitalization and the bill is like crazy. All right, I want to emphasize both of these things are happening to us as consumers. Nobody in medicine looks at you and me as consumers, by the way. We're just like cannon fodder. But the reality is we are customers. Even though the insurers don't think of us that way and the hospitals don't think of us that way. So you got to know how to assert your rights, your power. I want to repeat something that I've said over time that if you've not heard it, you need to hear it. If you've heard it and you didn't act on it, you need to know. Insurers, possibly as a strategy, deny payments, even if they should be paying for something. UnitedHealthcare, which has got such a microscope on it, says that they are coming up with new standards to make sure that doesn't happen anymore. Don't hold your breath. But the thing is, it's not just UnitedHealthcare. Even though they've got such a focus on them, this is A clear strategy of health insurers to deny valid claims. And you don't just take it. Most people do. Only a tiny percent of people, depending on whose report you believe, a couple of percent of people ever appeal a denial from a health insurer after services are rendered or deny approving something up front or they slow walk it. So it's up to you to use the appeal system that's available to you. And that's all I want to say about that right now, because I've said that many times, because overwhelmingly when you do appeal, particularly after the fact, you win. Data is clear on that. All right, now let's talk about something else. The bill you get from being in a hospital, the bill you get is going to be a summary bill. And if it's a big whopping number, always require the hospital to provide you with the full itemized bill, even if it's 150 pages. I mentioned recently someone used AI to go through one of those zillion page bills and reduce their bill by over 80% because there was all kinds of stuff that never happened to them on there and AI was able to detect all the phony billing that was on there. Now, would a hospital system, just as a strategy, pad a bill with all kinds of things that never happened? I'm not sure. I don't think so. I think it's just that that's an area that medical has always been bad at, is detailed billing and getting it right. So you just don't pay a bill without examining it. And the more you do that, the more what I'm really trying to say to you is you need to be an effective advocate for yourself. You need to do that. You don't know how you got one of those long, long, long medical bills and you don't know how to use AI. Well, you probably have a kid or a relative or a friend's kid who can take it and use an AI assistant. Go boom, like right on my computer. I'm looking on here. I've got Gemini on the screen right here, which is Google's version of an AI assistant. And I can click on it and have it do stuff right from here. I can load text from something into it. I could load that bill into it and tell it, hey, analyze this bill for me. And if it's not your thing, I'm having a lot of fun. By the way, using AI assistance, if that's not your thing, you find the friend or family member or family member's kid or friend's kid who can do it for you because it's your money that, yeah, maybe you've only got the patient responsibility portion, but if you've had a major hospitalization, that's going to be a big number and you want to protect your wallet. Again, the insurance companies, maybe they've been doing it as a strategy. The hospitals, I don't think so so much, and I could be wrong on that, but the effect is the same. Your money's at risk. Krista.

[Caller/Listener]

Hey. Steve in Washington says I've been diagnosed with prostate cancer and told it's low risk. I'm 57 years old. My urologist recommended I have the biopsy and MRI results sent to another lab for further specialized results called a decipher test. They use a process they call microdissection. My insurance company sent me a letter stating this lab had used coding for this that they deem as investigative and therefore will not cover it. So since it's not approved by the FDA without insurance, the cost is $5,500. I called the lab and they said it's the only code they can use and suggested I start an appeal with the insurer and contact my urologist to send my details for the appeal. I did that and the clinic has sent their notes and findings on my diagnosis for the appeal. I'm waiting to hear back to see if they'll allow any coverage for it. If they deny, is there anything else I can do? Since I do have cancer, doesn't seem right that I should have to pay this full amount without any help from insurance. Since you've had some experience, I would love to hear your thoughts on the next steps. Thank you. And hopefully mine will stay low risk as long as yours has.

[Clark Howard]

Yeah. So, Steve, first of all, if yours has been gauge low risk, that's fantastic. If you're not aware, I was diagnosed with prostate cancer 17 years ago. Mine has never done anything. I go for a test every year. It's an mri, sophisticated mri. And the last three years it hadn't even found cancer present anymore. I've been on a few medicines that apparently have had the effect of shrinking the tumors into oblivion. There are a very large percent of men who get a diagnosis of prostate cancer that it's very serious and it must be treated all hands on deck. There's also a very meaningful percent that somewhere maybe around 40% that only need proper monitoring and may not ever need treatment. The hard part is knowing which you're in. And I recommend to any man who is diagnosed with prostate cancer, is worried about it or family members go to the website of the Prostate cancer foundation, prostate pcf.org and read the information for patients who are receiving a new diagnosis to know the various strategies and steps and I would recommend to you I don't know that they normally do this Steve, but I'd recommend you reach out to the Prostate Cancer foundation and find out if they have information on the specific decipher test you had and do they consider it based on their expertise to be experimental in any way and having an expert opinion from them might be very helpful to you. Dealing with Insurance There's a lot of newer developments in the diagnosis, care and treatment of prostate cancer and I recommend that you be in charge of your own care as a patient, not tell the doctor what to do, but do the proper research for what you do next. In the event you hear the scary word cancer, this is one that requires it's different than a lot of other cancers and that requires that you be a good patient, advocate for yourself, family members being good about it as well, because it is both a very dangerous cancer potentially, but it's also the most over treated cancer there is in the country. I hope that you're able to get the kind of help you need, including from potentially your state insurance department on payment for this because insurance is regulated by the states and if this insurer is failing to act in good faith, one of the levers you can push is filing a complaint potentially with your state insurance department. I hope that yours is as luckily not dangerous as mine has been.

[Caller/Listener]

John in Oklahoma says, I recently had an outpatient surgery and knew the amount I would owe before it. They ran my insurance and everything seemed fine. Then about two to three weeks out the doctor's nurse said I had to pay a $300 deposit directly to the doctor's office. There wasn't an invoice or a way to pay online. It's been well over six weeks and it never showed up on my insurance portal. I had a follow up not too long ago and asked the nurse when I would see the charge show up on my insurance portal and go toward my out of pocket max and she said it won't show up on my EOB my explanation of benefits and left it at that. I'm a little confused. Is this normal? Is this even legal or ethical? I've never had this happen before and I don't understand how or why a doctor would have a charge that doesn't go toward your deductible or out of pocket maximum.

[Clark Howard]

Yeah, I am totally puzzled. I have no idea if this is the doctor basically having a separate charge, that would not count against insurance for the doctor to make additional revenue. I mean, I have no idea at all if you're not getting a clear answer on this, I would send a friendly letter, friendly to the doctor himself or herself and say, what was my $300 for? Nobody in your office has been able to give me an answer. And I'd like to know what this additional charge is for because it's not shown up as a payment towards my care on my insurance, payment on my insurance paperwork, and I need to know what's up here. In other words, very polite, inquisitive letter, not in any way threatening. You're asking questions, trust directly to the doctor. There is one other step. If it gets to be a tussle, and that is in most states, you can file a complaint about the billing with the state affiliate of the American Medical Association. Many states have fee panels that hear disputes about patient costs between the doctor and the patient.

[Caller/Listener]

Stephanie in Texas says, can you explain a little about managing a minor's credit? I received a notice that my and my 5 year old's information was compromised through our health insurance company. I have had my own credit frozen, but I've never checked or frozen his. I've looked into this since receiving the notice, but it seems like a daunting process to pull his credit and freeze it, including sending all his private documents through the mail. What do you suggest I do to keep his information secure?

[Clark Howard]

Stephanie, don't hate me, but that terrible, terrible process that Equifax, Transunion and Experian have put in place to make your life miserable when you try to freeze a miner's credit is worth doing, especially in the case of your five year old, because knowing that his information is out there, you need to do so. And you've got to send all kinds of documentation proving your relationship to your child and everything else that are a bunch of sensitive private documents through the mail and it's actually worth it in this case to get that credit frozen because child identity theft is amazingly common. And now that your child's information is vulnerable from hackers, it's worth doing. And if you don't mind, after you've been through all the hassle with the three credit bureaus, I'd love to know how much effort it took and if it took more than once with any of the three credit bureaus to get the freeze in place for your five year old. Coming up ahead, I want to talk about the train wreck to our power bills from the big AI power centers and what should be happening about that and how do you protect yourself as best you can?

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[Clark Howard]

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[Clark Howard]

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[Clark Howard]

The huge increases that we're seeing with power around the country because of the building and expansion of these huge AI data centers is totally out of line. You and me as consumers is business owners should not be paying subsidizing the power needed for these data centers. Unfortunately, these big technology companies in the race for dominance in AI are really politically powerful. Spread a lot of money around Washington and around state capitals. And the truth is the Cost of the expansion of available power specifically for these data centers should not be passed on to you and me. It is a special interest passing a cost on to the general public and the business owners. Wrong, wrong, wrong. And it's not like the big technology companies building these data centers aren't loaded with money. They are. So they should be paying their own way. And there will be states where that happens, others that it doesn't. And the easiest answer is this is all about peak load demand, and we have plenty of power. Normally we have lots of standby capability around the country, but during peak periods, particularly of extreme heat in the summer, the grid is not big enough in places where these big data centers are being built to handle the demand. So what utilities are doing is they're petitioning state regulators to be able to dramatically increase the standby capability for power for the few hours a year when the demand being created by these power centers collides with the very strong amount of energy needed on a very hot day. And the answer is very simple. If the AI data centers lose access to available power on those peak times, and then the rest of us don't have to pay these huge bills. And what would happen then if for these data centers it's really that important to, to have power available all the time, they would build their own micro grid for their facility, they'd use solar, they'd use battery backups. The cost should be borne by them, not by you and me. In a lot of states, people, regular people, don't have voices. Small business owners don't have voices. The politicians only listen to people like these big companies. So whether we like it or not, this cost burden is going to be passed on to you and me. So what weapons do we have? Let me tell you first, the very batteries. I was just talking about the cost of having a battery supply for peak demand times. If you're a homeowner in your own garage, the cost of that's fallen 90% in the last 10 years. And you can put batteries that will provide you power during peak times. And I know solar is really out for some reason in the United States, but there are many of us who live in climates, particularly in the south and the west, where there's a great advantage to you with these power rates going up to install your own solar panels with the battery backup, you don't degrade, but you really reduce the impact that power is going to have on you. What if you're a renter? What if you're someone who can't afford the kind of things I'm talking about. I've talked year after year, both as we head into winter and when we come out spring, going towards summer. I've talked about all the things you can do that are low cost to lower your energy bills in your home. And I won't belabor that again. But this is a thing where you don't want to be a sitting duck. You want to be someone who sees the problem coming you can't control, so you control what you can. And the cost of solar panels, the actual panel themselves fallen 95% over, I think it's the last 14 years. And so cases where solar made no sense before, it makes a lot of sense now. It saves you tons of dollars with a really good cycle of payback. Hard part, I can't gloss over this. Finding a solar installation company that knows what it's doing. It's reliable, dependable and ethical. That's the hard part.

[Caller/Listener]

Krista okay. Jeff in Pennsylvania wrote in with this my wife and I bought a stock in a company called this that has developed a very efficient way of extracting lithium. I recently read an article about Mercedes manufacturing an electric vehicle with a solid state battery that is non lithium. It actually runs hundreds of miles. Example given was a trip from Pennsylvania to Florida without a recharge. That, that worries me. Is this going to replace all the lithium batteries and sink companies similar to this one?

[Clark Howard]

Jeff the short answer is nobody knows. Several of the automakers, and Toyota's been one of them, been spending huge amounts of money in research and development to develop a very reliable, low cost solid state battery. And that's considered to be like a real nirvana coming for electric vehicles. And by the way, the world is moving very heavily to electric vehicles even though we're not in the United States. So this is a big issue around the world. Others are trying to develop batteries that aren't necessarily solid state but will not need the amount of lithium that batteries have needed to date. So when you bet on a company that's having a way to efficiently extract lithium, you don't know this is, this is such a quickly developing area. That's why it's great for you to have an investment in it, but don't bet the farm on it because it's just too hard to know where battery technology is going to go and, and what the role of lithium is going to be in that as part of that process as batteries continue to morph. So this is not one where you take every penny you got and you throw it at this. This is not like going to Vegas and setting a really high return bet that has a low potential for payoff. You need to be very cautious how much you put into one particular company coming up with one method of efficiently extracting lithium.

[Caller/Listener]

Allison in California says for 2026, Ring announced a steep price increase in their services. To use their products, a consumer will owe them 99.99 annually. So 100 bucks to have the system professionally monitored. The consumer will owe another hundred dollars annually for the steep price increase. There is no additional service being offered. How can they justify the price increase? The excuse of tariffs is not applicable. Is there an alternative, less expensive option on the market to consider?

[Clark Howard]

Okay, so Ring is owned by Amazon, and Amazon was subsidizing this very heavily, and they were offering the cheapest monitoring pretty much anybody offers for professional monitoring. The market price for monitoring is far higher. And Amazon has made a corporate decision that a lot of the Amazon electronics that they were, they were doing electronics of all different kinds. The tablets and the cameras and all these different things, the doorbells. Amazon has decided they don't want to lose money in those things anymore. So they've discontinued a lot of products and now the product categories have to pay their own way, which they've not. Amazon's just been willing to throw money at this year after year. So doing it so radically all at once is ugly. The reality is the monitoring cost that Amazon is offering, even at the new much higher price, is still much, much lower than the marketplace prices for monitoring a security system professionally. So now if you pay the 200 a year, you're paying, is it 17amonth, something like in that range? So Amazon was really being Santa Claus and now they've decided they don't want to be Santa Claus anymore.

[Caller/Listener]

Tim in Indiana says, I've recently started becoming much more excited about finance and furthering what my money can do for my life. Your podcast has been very helpful in educating me and helping me grow in this journey.

[Clark Howard]

Thank you.

[Caller/Listener]

My employer, HSA, is, through one of the big companies, paying 0.03% interest on a checking account and with a $2,100 minimum before any money can be invested, at which point only the amount above $2,000 can be invested. They charge a $20 outbound transfer to an account like Fidelity's personal HSA option. Please let me know if and when it makes sense from an account balance standpoint to transfer the money to Fidelity on a recurring basis. Also, if you can put something out there for my employers and all others who are out there to convince them to evaluate better HSA options. That would be amazing.

[Clark Howard]

All right, so this HSA administrator is owned by one of the nation's largest health insurers. And the employer, I'm just supposing here, does their health insurance and pharmacy benefits plan through this health insurer and they just tack on the atrocious HSA plan that this health insurer offers. This is something that should be of interest to the bosses because they're paying all these junk fees as well to this terrible HSA administrator. The outbound transfer fee is outrageous. It forces you to wait till you have a decent amount of money and transfer a lump sum at a time. But you're playing a long ball game here. And so you want, want to like the Fidelity example you gave where the administrative costs are like nothing. And what an insult to all the employees to pay 3/100 of 1% interest on the money in an HSA. I mean, just atrocious. And so the employer, if you, I don't know how large a company, if you can talk to one of the bosses or if it's a huge corporate entity and it's just a giant bureaucracy, I don't know how you move the needle on it other than at a big company. You'd want to send a nice note to the head of HR and say, hey, by the way, the HSA we have is really not great for the employees. Can I make suggestions of other plans that would be better? But the best thing for you is once you've accumulated a couple of grand, then you pay the $20 fee and get it out of this company's hands into Fidelity or another ultra low cost provider. I don't have a better answer yet. Because remember, the employer is the customer to this terrible HSA administrator. You're not. And the employer is only trying to hold down their costs for administering the HSA plan and the costs are instead being shouldered by you as their employee. Not very employee friendly, I would say. Anyway, that's a downer note to end this podcast today and YouTube show, but I want to thank you so much for joining us today on this one. And coming up on Friday, our next edition of Clark Stinks. And I hope you tune in for that on Friday. And speaking of tuning in, you may live in one of the cities where you can see me on local television news or hear me on radio. You can follow us on social media. Pretty much every form of social media. We have YouTube shorts that we post virtually every day and we serve you [e-mail] and clarkdeals.com and we have our daily newsletters that are free available to you. If you go to clark.com newsletters you'll see what we have available to you opening up in your email in basket each and every day. Have a wonderful week of empowerment and we will be at your service on Friday.