(Michael, New Jersey, 2022) Rick Pugach is one of the most straightforward, realistic, honest guys I know and someone that I consider more than a health care advocate, a friend. If you need some professional advice regarding your medical situation, you should definitely do yourself a favor and give him a call... more

(Yazeed, Colorado, 2022) I reached out to Rick in June of 2021 with a nightmare of case dealing with a hospital bill of ~40k due to being taken to an out-of-network hospital back in 2020 by ambulance and my insurance company denying to pay for more than the bare minimum for my stay. I had previously tried for months to work with the hospital and insurance company to no avail... more

(Richard, New York, 2021) Rick was and is an exceptionally knowledgeable captain of the ship that traverses the waters of the always complicated bureaucracy regardless of which bureaucracy it might be. Without him I would have been up the proverbial creek without a paddle. Rick is always available to respond to questions or inquires in easy to understand language at incredibly fair rates... more

(Catherine, Florida, 2020) My husband and I feel very fortunate to have been referred to Rick Pugach by a dear friend only a few weeks before our daughter and her wife were facing and COBRA plan that didn't work in the market they'd recently relocated to. Rick was helpful from the first phone call. He thoroughly explained the realities of the market and was clear and concise with explaining options... more

(George, New Jersey, 2020) I recently found myself in a medical situation and I learned that as I would conference with doctors and try to assimilate what they were saying and to formulate questions I was having difficulty because they were speaking in medical terms that I did not understand. When I had someone with me it was the same situation, we were unable to grasp what the doctors were saying... more

(Ken, New Mexico, 2020) Our family recently incurred a huge bill for an emergency air ambulance transfer. After much back and forth with our medical insurer, they ultimately agreed to cover a large portion of the bill. But they did not pay the entire bill, as the air ambulance provider was out of network. So, we were still left owing a very significant balance to the provider... more

(Michael Lynn, Virginia, 2020) I'm sure in setting up Medicare I could have stumbled thru the various online guides, both government and commercial - and come up with some choices. But there are enough 'black holes' - deceptively simple things with major implications - that I'd have paid dearly for trying. Just one simple checkbox can matter far more than it appears... more

(Yeng, Hong Kong, 2019) I had an emergency, and was hospitalized while visiting New York last April (2018). I was subsequently presented with the hospital bill, the amount for which was a multiple of what I would expect. Rick was recommended to me as a professional who could assist me in dealing with the hospital. Rick did a wonderful job, guiding me in my delicate negotiation with the billing agent of the hospital... more

(Donald, Pennsylvania, 2019) I want to give a shout out to Rick Pugach for supporting me with some painful orthopedic issues earlier this year. He explored and then explained insurance coverage, expedited my initial appointment, attended most of my visits, made sure that the necessary questions were asked and answered in a manner that I could understand, and talked me down from the ledge whenever I needed it... more

(Elsa, District of Columbia, 2018) Rick is a kind, empathetic person, who is ruthless in finding flaws in the medical billing system. We asked Rick to help us sort through months of complicated medical bills. Through his thorough work, he was able to save us thousands of dollars.

(Annika, New Zealand, 2017) I can't recommend Rick highly enough! He was professional, compassionate, caring, supportive, listened to my needs, talked me down when I needed it, never let me lose hope, and was all I could have asked for in an advocate.

(Vik, Virginia, 2017) I would like to thank Patient Navigator for holding our hand during an arduous journey that lasted more than one year following an emergency cardiac surgery for my father. Rick Pugach was our primary support system in helping to resolve multitude of insurance claim issues, many of which were overly complex on account of being out-of-network... more

(Rachel, District of Columbia, 2017) I can't say enough about how wonderful Rick was as my advocate. When I hired him, I was at the end of my rope with my medical bills. He talked me off a ledge, acted as my confidant, and most of all, was incredibly hard working and diligent when dealing with my case... more

(Laura, Virginia, 2017) A dear friend who's survived cancer twice referred me to Rick Pugach when I faced the daunting task of finding insurance for myself and my young adult son after a difficult divorce and resulting financial strains. Rick researched our options thoroughly and carefully explained the benefits and pitfalls of each with kindness and empathy... more

(Kevin, Virginia, 2017) I was immediately impressed how attentive and responsive Rick was in my situation. He immediately put me at ease and instilled a voice of reason and confidence in me. He was able to resolve my issue in a timely matter and all the while communicated his progress each step of the way to me. I would highly recommend him to anyone who has any of the issues of the services advertised. Thanks Rick!

(Chris, North Carolina, 2017) I had expensive insurance but that didn't stop the hospital from sending a large bill eleven months after my surgery. All the doctor, pharmaceutical and consulting bills associated with my surgery were covered. Only the hospital supply bills were denied. I finally did a little research online thinking I needed an attorney. I stumbled upon a website that discussed the use of medical advocates for cases like mine. I found several medical advocates online and decided on Rick Pugach... more

(Praveen, New Jersey, 2017) Rick grasped quickly the details of my case, and he carefully explained the possibilities to me. He was organized and methodical in his approach. Rick communicated with me frequently and clearly, and he always tried to cheer me up during my down moments. He was relentless in fighting for what he believed I deserved... more

(Carla, New York, 2017) In February 2015 we had an emergency medical situation that required paying a five-figure sum up front to the medical provider. We had verbal assurance from our health insurance company that we would be at least partially reimbursed once they received the necessary documents. The medical provider also assured us that they would take care of filing our claim in a timely fashion. Despite all our efforts, we received a letter of denial from our insurance company at the end of 2015... more

(Sally, South Carolina 2017) I came to Rick owing almost $100,000.00 in medical bills after rotator cuff surgery. I had met my max out-of-pocket that year and so United should have paid 100% of my surgery. They denied paying any of it due to a ridiculous (and I do mean ridiculous) series of events. After I hit the brick wall of insurance/doctor 'pass the buck' - 'take no responsibility', I turned to Rick... more