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.