Testimonials

Medicare Drug and Supplement choices made easy

“With the Medicare sign up deadline looming, significant medical needs, and little time to do research myself, I called Tamara, and was immediately reassured by her professionalism, her can do attitude, and her action plan. She said, “We’ll talk to go over all your medications, get a sense of your medical needs, and I’ll research which plan will give you the best coverage.” And this she did, making the decision process effortless. I will recommend her highly to anyone looking for help in navigating the Medicare and insurance coverage labyrinth. The other thing that I’d add is that Tamara is a delight to talk with; she’s funny and witty while maintaining a professional, competent attitude.”

Cathy Leary, Ph. D.

Psychologist

No Maternity Coverage

“I was unaware that I did not have maternity coverage on my health insurance. Tamara did a great job helping me resolve my problem. She is very professional, helpful, and courteous.”

Amber Adams

San Antonio, TX

Insurance issue resolution brings peace of mind

“You are delightful to work with and were the perfect objective and wise guide. Having these insurance issues settled gives me great peace of mind.”

Kari Englehardt

San Antonio, TX

Tamara worked with the hospitals and doctors to reduce my bills from over $23,600 to $5,600

“In the aftermath of a very difficult illness immediately following a death in the family, Tamara worked with the hospitals and doctors to reduce my bills from over $23,600 to $5,600. (The situation was especially complicated because of the loss of my insurance coverage.) Not only did she save me $18,000, her help freed me from worry and stress, allowing me to focus on healing and getting my life back. She is very skilled at understanding and negotiating bills, and she genuinely cares about her clients.”

M. T.

The Woodlands, TX

I was executor of my sister’s estate when she died

“Background: I was executor of my sister’s estate when she died after a lengthy and complex illness. To further complicate matters, she was uninsured for part of the time preceding her death.

Story: The estate attorney referred me to Your Medical Claims Expert for help in dealing with the $160,000+ in medical claims. Tamara took all those confusing Explanation of Benefits forms and statements from hospitals and collections agencies and made sense of them. Her detailed approach gave her a unique ability to ferret out bottom-line amounts owed. The result: The amount ultimately paid by my sister’s estate was significantly reduced.

Summation: That period of my life was tough emotionally and the role of executor overwhelming. Were it not for you, your friendly, cooperative demeanor, passion for the work, and overall expertise, it would have been worse, much worse. Of that I am positive. In short: You reeled in positive results for me, one account after another, and at reasonable costs.

Please forward my testimonial to those who are considering contracting with you for resolving outstanding medical claims. In my opinion, they would be foolish not to!”

Mike N.

Clinton, WA

The services of Your Medical Claims Expert were invaluable to me and my family

“The services of Your Medical Claims Expert were invaluable to me and my family at a time when we really needed help. My father had been diagnosed with Alzheimer’s Disease, and our family was suddenly thrust into a web of legal and personal decision-making on his behalf. The Medicare conundrum was particularly difficult for us. In the midst of this confusion, Tamara Apgar was able to provide clear, personalized guidance for us by analyzing my father’s health care needs. Her expert advice not only saved money for my dad, it also saved the family from extra worry and gave us the peace of mind and assurance that we had chosen the right path for him.”

Amy Dameron Phipps

San Antonio, TX

I received a hospital bill more than 3 years after the services were rendered

“I received a hospital bill more than 3 years after the services were rendered. The hospital had never billed Medicare even though I had contacted them with all the information on several occasions. I had been turned over to a collection agency. Tamara got the entire bill written off, saving me $6,000 and my credit rating!”

Gerald H.

Austin, Texas

Compassion, advocacy, skill and trustworthiness

“Tamara has a wealth of knowledge on provider bill negotiations, claims issues, and Part D selection. When my clients work with her they feel a great amount of certainty and confidence and feel they have a strong advocate on their side. Tamara is compassionate and trustworthy. I highly recommend her to all.”

Shanon Wood-Hajali

Agency Owner, Insurance Resolutions

Care Managers tap into YMCE’s expertise

“Your Medical Claims Expert has been such a great resource for our care managers and clients. Tamara has been able to untangle insurance problems in short order; ultimately saving our clients money. We are thankful for her quick response time and excellent communication throughout the process.”

Byron Cordes, LCSW, C-ASWCM

Sage Care Management

Insurance denial overturned for over $32,000

“Tamara helped us get a claim for over $32,000 paid following repeated denials we had received from our insurance company. We are thrilled!”

S & B Cortez

San Antonio, TX

Tamara saved us money on our medical costs and bills

“As we all know, dealing with insurance companies can be daunting. However, Tamara Apgar has made our experience smooth and seamless. She is very pro-active, taking the initiative in looking out for her clients’ best interests and taking care of details that clients may overlook. She obtained benefits from my in-laws’ long term care policy, is excellent at analyzing coverage options, negotiating lower payments, and appealing denied claims. Tamara is great at navigating the insurance companies policies, saving us money on our medical costs and bills.”

Jane D.

San Antonio, TX

Your Medical Claims Expert, Tamara Apgar, came to our family at a very difficult and crucial time

“Your Medical Claims Expert, Tamara Apgar, came to our family at a very difficult and crucial time. I am the power of attorney and guardian/caretaker for my brother Johnny, a semi-quadriplegic. Tamara was a much-needed resource in getting his insurance to cover a residential brain injury program, but after a month he lost his insurance coverage. Tamara used her expertise to help us transition to new insurance with great results, helping us understand all the medical red-tape language. I would recommend her for her outstanding knowledge of the medical claims process. Through her professionalism, promptness, and persistence she was able to get my brother’s stay at the facility completely covered by insurance. Now that’s a miracle!!! Tamara is a people person and above all a person I can now call a friend!!!”

Miriam Pastrana

Secretary for the Waco-McLennan County Public Health District, Waco, Texas

Tamara helped negotiate reduced hospital and doctor bills for our uninsured daughter

“Tamara helped negotiate reduced hospital and doctor bills for our uninsured daughter. It was a huge load off my shoulders and resulted in considerable savings over the original bills. It also helped us avoid negative consequences to her credit rating. Tamara provided prompt, courteous, efficient and cost-effective service. She even threw in a great sense of humor for no extra charge! She was a pleasure to work with during a very emotional time. I’ve recommended her to several people, and will continue to do so.”

AMKW

San Antonio, Texas

After a brief hospitalization, Your Medical Claims Expert negotiatied my bill down, saving me time and money

“After a brief hospitalization, Your Medical Claims Expert negotiated my bill down, saving me time and money. I enjoyed working with Tamara and hired her to help me with another medical bill problem a year later.”

Kathy K.

Sticky problem solved!

“After months of trying to resolve conflicting information from a large bureaucracy, I consulted several experts who were not able to solve the problem or answer my questions. Tamara came up with a brilliant solution to resolve the issue. I’m delighted to recommend her not only for her Medicare and medical claims expertise, but also for her creative problem solving skills.”

Betty Cavender

San Antonio, TX

Doctor saves money with Tamara’s help

“The world of medicine is confusing to most lay people, but the bills produced by hospitals are confusing even to those of us in the profession! Tamara’s expertise can be an invaluable help when trying to understand, decipher and negotiate your bill. She could literally save you thousands of dollars. I highly recommend her services.”

Dr. R. Andersen

Chicago, IL

Mrs. Apgar audited the various medical bills for me over a two year period

“Mrs. Apgar audited the various medical bills, including hospital, physician, physical therapy, and other medical billings for me over a two year period. At the same time, she represented me in negotiations with the above medical entities when she concluded that there had been errors or excess charges. There were many errors and excess charges in my various medical billings. Tamara saved me thousands of dollars as my medical billing auditor and as my consumer advocate.
I would highly recommend Tamara Apgar to anyone where they have incurred large medical bills. Feel free to contact me if you have any questions on my relationship with Tamara Apgar as she is an excellent Medical Claims Expert.”

D.O.

Canyon Lake, TX

Your Medical Claims Expert helped me research my insurance options

“Your Medical Claims Expert helped me research my insurance options, including Medicare Drug plans, when my previous coverage ended. Though I am pleased with my new coverage, there were several glitches during the transition time. Tamara persevered through this frustrating process to get me the answers and resolution I needed. I appreciate her broad knowledge of options, patience in dealing with bureaucracy, and general professionalism and am happy to recommend her.”

M. C.

Attorney, San Antonio, TX

Tamara has been a valuable resource for my clients

“Tamara has been a valuable resource for my clients in navigating the complex world of prescription plans, Medicare and private insurance. I believe in experts, especially in this area, and I highly recommend Tamara for the job.”

William F. Goodman

Attorney at Law, Guardian, San Antonio, TX

As a geriatric care manager and registered guardian, I have used Tamara’s services for many of my clients

“As a geriatric care manager and registered guardian, I have used Tamara’s services for many of my clients. From researching insurance options to resolving complex claims issues, she does a terrific job. I am happy to recommend her services.”

Cathy Howell, R.N.

San Antonio, TX

I chose Tamara amongst three other local Health Ins. Claims Experts

“I chose Tamara amongst three other local Health Ins. Claims Experts around San Antonio after talking with each. Tamara had the most professional and can do attitude so I decided to go with her. She was prompt and very professional and got the job done very efficiently. Not only did she save me big bucks on my medical bills she negotiated awesome payment terms on what little there was left to pay. I would definitely go back to Tamara if the need arose. Professional, courteous, and just a very nice lady to work with.”

Brook B.

Corpus Christi, TX

Tamara

Meet Tamara

Tamara Apgar’s diverse professional background has been the “perfect university,” preparing her with the multiple skills necessary to serve clients as an outstanding medical claims expert. A former financial planner, educator, and advocate for persons with disabilities, Tamara has strong analytical, problem solving, and communication skills. Her understanding of the importance of the bottom line is tempered with professional courtesy, excellent communication skills, emotional intelligence and perseverance.

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