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. He saved me with his tenacity, long suffering of insurance babbling, and endless letter writing and phone calls. Not only did he get United to pay the doctor bill, he found a loop hole and got the hospital to lower the bill from over $80,000.00 to $1,200.00. I did not make a mistake in typing that number….. It took over a year, and Rick never gave up. We are finally finished and I feel like I have made a friend. If you have insurance issues (even if it looks hopeless), Rick will not quit until your case is settled in your best interest.