The health insurance claims process continues to change. Now more than ever, it is critical to be pro-active in understanding and managing your health insurance claims. Assumptions can be dangerous and can lead to unexpected and compromising financial consequences.

Subscribing to our Watchdog Subscription Services is the first step towards medical expense literacy and empowerment.

Your yearly subscription includes the following services:


Coaching/Consulting Services: No question is too big or too small. We are one phone call away from answering any question about the fiscal side of healthcare, even before you enter the doctor’s office.

EOB/Bill Review: We review your explanations of benefits and medical bills to ensure that the services have been billed correctly, that the claims have been processed completely, and that you haven’t been billed for services in error.

Prescription Costs: We help locate lower-cost alternatives for medication fulfillment.

Don’t Get Fooled:

Everyone is entitled to a free physical each year, right?

Well, it depends on how you define physical exam. While the law and your insurance carrier might state that this exam is fully covered, your doctor’s interpretation of what tests are a part of his/her standard exam could differing substantially from those services covered by your policy.


Insurance Advocacy: When services are billed incorrectly and/or processed incorrectly by your insurance company, we work with the relevant parties to address the discrepancies.

Medical Bill Negotiation: When payments for medical services are due, we work with your providers to negotiate the fees or develop reasonable payment plans.