HSM Insurance Consulting is Holly S. Monger.
Holly is a Registered Health Underwriter, and has 30 years experience
in the health insurance industry. Holly started her career at Allstate
Insurance Company as a Health Claims Examiner. Her career progressed through
Claims Administration, Benefits and User Acceptance Testing. She left
Allstate as a Regional Group Claims Manager responsible for software testing
of the claims payment systems. Her career then turned to the property
casualty side as a part-time Business Systems Analyst at Kemper Insurance
Company. She also spent time at a small general agency filing all lines
of claims incurred by clients.
Holly began HSM Insurance
Consulting in 1992 after realizing her real interests were in health insurance.
She has spent the years since using her skills and resources to help countless
individuals and companies find resolutions to their difficult insurance
Holly is a licensed
Producer in Accident/Health, Life, Fire and Casualty. She maintains her
license through continuing education and keeps abreast of legislation through
her membership with the National Association of Health Underwriters. Although
Holly is licensed to sell all lines of insurance, she chooses not to actively
sell any line of insurance. She feels that it would be "a conflict of interest
to those clients' who are looking for an objective opinion."
Holly also holds a Certificate in Medical Billing & Reimbursement and is a CLC Foundation Board Member.
What we do?
HSM Insurance consulting organizes, tracks, audits and files your health insurance claims.
We organize your bills and insurance statements. We track payments you receive from your insurer and file secondary claims to other insurers if needed.
We will tell you what checks you should write to your doctor or other health care provider to make sure that you do not overpay.
We rely on information supplied by you. You supply doctor bills and benefit notices from your insurance company to HSM Insurance Consulting.
We audit large claims where there is a greater chance of mistakes by insurance carriers. Mistakes are common in situations where there are a lot of medical bills. Preferred Provider Plans (PPO) create errors when providers are considered "out-of-network" and the patient had no decision in the choice of that provider.
We analyze health insurance policies to educate you on exactly what your plan covers and what it does not cover. We also compare policies to assist you in a decision on which plan is the best for you.
We APPEAL claims processed incorrectly, most often reducing the amount you pay out of your pocket.
We negotiate lower payments to providers. We assist people obtain hardship or charity from hospital bills.
Our ability to handle mountains of insurance paperwork leaves you free for more important things.
There are different procedures for different companies:
Bills from various providers Payments that need to be recorded Checks that need to be written
Insurance paperwork can be confusing. Complex rules in a changing industry requires the skill of a professional. Our knowledge in health insurance ensures that you will receive your full benefits and not be shortchanged by your insurer.
We understand industry coding requirements, health care techniques and industry company jargon, reducing the potential of denied claims.
We will help you to obtain the full benefits you are entitled to from your private or government health insurance(s).