Healthcare Should Make Sense.

Insurance Navigation Clinics

Walk-in and scheduled clinics staffed by DORA-certified navigators who help you compare plans, understand benefits, enroll in marketplace or Medicaid coverage, and resolve eligibility disputes. We serve patients in English and Spanish across the Front Range metro area. Our navigators hold current certifications from the Colorado Division of Insurance and complete annual re-training on marketplace changes, Special Enrollment Periods, and Medicaid expansion provisions.

Medical Bill Review & Negotiation

Our billing specialists analyze hospital and provider invoices line by line, identifying upcoding errors, duplicate charges, unbundled procedure codes, and balance-billing violations. On average, patients who complete our review process see a 42% reduction in their out-of-pocket liability. We negotiate directly with providers and collections agencies on your behalf at no cost, helping prevent medical debt from damaging your credit and financial wellbeing.

Healthcare Rights Workshops

Community-based education sessions covering the No Surprises Act, prior authorization rights, appeal processes for denied claims, prescription drug assistance programs, and workplace benefits protections. Workshops are hosted monthly at libraries, community centers, and faith-based organizations throughout the Denver metro area and are available for private group bookings for employers and civic organizations.

Understanding Your EOB

Learn how to read your Explanation of Benefits statement, identify errors, and understand what your insurance actually paid versus what you owe.

How to Appeal a Denial

Step-by-step instructions for filing internal and external appeals when your insurance company denies a claim, including template letters and deadlines.

Surprise Billing Protections

Know your rights under the No Surprises Act and Colorado's state-level protections against unexpected out-of-network charges at in-network facilities.

"After my surgery, I received a $14,000 bill that my insurance said was out-of-network. Common Sense Healthcare reviewed everything and found that the anesthesiologist was the only out-of-network provider. They filed a No Surprises Act complaint and got the entire balance written off. I would have been in debt for years without their help."

"I had no idea I qualified for marketplace subsidies. The navigator at Common Sense Healthcare walked me through the entire enrollment process and I went from paying $620 a month for insurance to $180. That extra $440 a month changed my family's life."

"My daughter's insulin prior authorization was denied three times. Rob's team wrote a clinical necessity letter, coordinated with our endocrinologist, and filed an external appeal through the state. The denial was reversed in twelve days. They literally saved her health."