About Us

About HospitalInfo

I turn confusing hospital bills and insurance jargon into answers you can actually use.

If you’ve ever stared at a hospital bill wondering why two insurance companies are both saying “not our problem,” you’re exactly who this site is for. HospitalInfo exists to explain U.S. health insurance, hospital billing, and medical claims in plain language — no jargon, no sales pitch, just the information you need before you make a decision or pick up the phone.

Why I started this site

Healthcare billing in the United States is genuinely complicated, and most people only learn how it works after they’re already holding a bill. Which insurance pays first after a car accident? What does PIP actually cover? Can you really negotiate a hospital statement, or is that just something people say?

I started digging into these questions because they kept coming up, and the answers were scattered across insurance company fine print, state regulations, and forum threads that were either outdated or just wrong. HospitalInfo is my attempt to put the real answers in one place — researched properly, explained clearly, and updated as the rules change.

Who’s behind HospitalInfo

Hi, I’m Nurul Islam Chowdhury (Imran) — the writer and researcher behind this site.

I hold a BBA and MBA from the University of Chittagong, and I’m a Cost and Management Accountant (CMA), a professional member of the Institute of Cost and Management Accountants of Bangladesh (ICMAB), Membership No. A-1607. My background is in finance and cost management — reading financial statements, auditing processes, and making sense of systems that are technically documented but practically confusing to the people affected by them.

That’s the same lens I bring to U.S. healthcare billing. I’m not a doctor and don’t claim to be one. What I bring instead is a numbers-and-systems approach: tracing how a bill moves between PIP, MedPay, health insurance, and liability claims, tracking CMS and state-level policy updates, and translating all of it into guides people can actually use before they’re on hold with an insurance rep.

Every article on this site starts from a real question — usually one people are searching for late at night with a bill in front of them.

What I cover

  • Health insurance basics — Medicare, Medicaid, HMO, PPO, HSA, and how to compare plans
  • Hospital billing — reading your bill, spotting errors, and negotiating what you owe
  • Car accident medical bills — PIP, MedPay, and which insurance pays first
  • Claims and coverage disputes — what to do when a claim gets denied or delayed
  • State-specific rules — because insurance law varies significantly across the U.S.

I focus on the U.S. market specifically, since insurance rules, billing codes, and consumer protections differ from state to state and don’t translate directly from other countries.

How I research and write

Every guide on HospitalInfo is built the same way:

  1. I identify a real question people are searching for — often pulled from what readers are actually struggling with
  2. I research primary sources: CMS guidelines, state insurance department rules, IRS regulations where relevant, and official insurer policies
  3. I write the explanation in plain English, the way I’d explain it to a friend holding the bill
  4. Before publishing, I do a final review pass — checking facts, sources, and clarity one more time
  5. I revisit and update articles when policies or coverage rules change, especially around each new plan year

I link to primary sources where it matters, and I’m upfront when a topic depends on your specific state or policy — because generic advice on insurance is often no advice at all.

A quick disclaimer

HospitalInfo is an independent, editorially-run information site. I am not a hospital, an insurance company, a law firm, or a licensed insurance agency. Nothing on this site is medical advice, legal advice, or a guarantee of coverage. Insurance policies, state laws, and billing rules vary, and your specific situation may differ from the examples I describe. Always confirm details with your insurer, healthcare provider, or a licensed professional before making a decision based on what you read here.

Some pages on this site may include advertising or, in the future, links to insurance providers and services I think are genuinely useful — I’ll always aim to be clear about that when it applies.

Thanks for stopping by — I hope you find what you’re looking for.