We offer solutions to help you navigate the complex health care environment.

We understand that health care is critical, costs are skyrocketing, and every dollar counts.

We steer you through the complexities and analyze your total health insurance picture - what is covered, what is not, and whether your health insurance claims have been paid fairly.

We are dedicated to getting you the most coverage and saving you the most money.

We offer a full range of services - from a basic overview of your current health plan to complete management of your bills and claims.

• Health Insurance Denials We are your best advocate to deal with health insurance companies wrongly denying you coverage.

• Health Insurance Appeals Today, in April, 2010, we have a 100% success rate in winning our health insurance appeals.

• Negotiated Medical and Hospital Bill Reductions We have saved our clients hundreds of thousands of dollars by negotiating reductions in medical and hospital bills.

• Specialized Coverage We are experts in programs that help you get critical specialized drugs or treatments - even if they're not covered by your insurance at all.

• Before you consider a medical procedure, we estimate your costs and what portion of them are your financial responsibility.
• We review medical and hospital bills for accuracy and obtain revisions or refunds.
• We review the insurance claims and make sure your insurance company is reimbursing you the correct amounts and in a timely fashion.
• We negotiate reductions in your bills.
• We file and pursue insurance appeals where coverage has been denied.
  
• We assist you in getting pre-approval for services that might not ordinarily be covered - a private room, an in-patient stay or specialized drugs.
• We take that mountain of paperwork off your hands. 

Our services are strictly confidential.

We are not affiliated with any insurance company, hospital or medical provider, and do not broker, sell or recommend any insurance company or policy.

Our goal is to save you the most money so you can concentrate on what is most important - your health.

We design a plan that works for you - one that is the most cost effective for you.

We we work independently - solely for our clients and not for any association or organization.  Our focus is on you and your needs.

We have worked with national insurance companies, major urban hospitals, regional medical centers, and local community doctors.  No matter where you are, or where you have treatment, we can help.

You may have over-paid and be owed a refund.

You may have been billed for services you did not receive or over-billed for services you did receive.

Your insurance company may wrongly deny covered benefits.

Your doctor or hospital may be charging more than is fair or 'reasonable and customary'.

You may be charged for a lab, anesthesiologist, X-ray or other service as 'out-of-network' when it should be billed as 'in-network'.

Your insurance company may be over-paying and your annual or lifetime maximum reached too soon.

You may not know which medical providers are covered by your policy.

You may not want to manage all your bills and claims.

There may be other resources to get your costs covered.

Sound confusing?  It is.

Which is why we can help.