| Testimonials
Survival in the jungle
"Survival in the jungle is increased when you have a good guide leading you-this book is your guide through the insurance jungle."
-Leonard Grover, Former Health Insurance Company Executive and Consultant
The complex made simple
"Lynne Lucio has made the complex simple in her book, The Insurance Decoder." Working in the field of medical claims administration, I acknowledge how complicated health insurance benefits have become. In Lynne's book, she provides an excellent, easy to read source to assist the novice or advanced reader in navigating their way through the health care maze. I found the layout to be easy to follow and I especially appreciated the definitions of terms and acronyms and the frequently asked questions section. Even being an insider, I had a number of "ah-ha" moments as I read The Insurance Decoder."
-Jon Aubrey, Senior Vice-President AmeriBen/IEC Group
Mystery of a topic, decoded
"The Insurance Decoder is an absolutely great read! I am so happy that Lynne Lucio took on this mystery of a topic and decoded its secrets. Not only does it help people to understand the ins and outs of their healthcare claims but for anyone who is starting to learn medical billing as a career, this is certainly the book to purchase. Lynne has done a good job."
-Kaylavon Middleton, Account Manager for A Major Insurance Carrier
A wealth of information
"Insurance coding can be confusing, even to people who have done it as a full-time job for years. Imagine how a lay person must feel, especially one who might be simultaneously dealing with a personal or family health issue. Tackling a complex subject like this with its own lexicon, and explaining it in such a way that we can all understand it is quite a feat. Lynne Lucio has done the nearly impossible. The Insurance Decoder includes a wealth of information for the consumer, and is a wonderful tool that can be used by professionals to educate patients about insurance issues and eliminate potential confusion."
-Robert F. Leibmann, D.C.
Understand the jargon
"Health insurance policies are written in such a way, making it difficult for consumers to understand. We quickly abandon all hope of comprehending our policies and in frustration; we throw up our hands and hope for a good outcome. Sometimes later we regret our ignorance. Lynne Lucio's book, The Insurance Decoder, changes all that for us. It is written to help us understand the jargon, fine print, and complicated writing of most insurance policies — it simply helps us unravel the mystery of group health insurance. Every billing office should have a copy of this book for reference and every consumer who wants to make informed intelligent decisions should read this book. In addition, it was fascinating to learn about the "birthday rule" and under what conditions it applies when children are covered by both parents' insurance policies. The Insurance Decoder is a must read book for married or divorced couples with children."
-Dr. Marilyn Stromsness, Ph.D. Clinical Psychologist
A personal savings of over $3,000
"There are few times in our careers where we can boast association with true leaders, consummate professionals and those who provide demonstrated successful pathways to success. Such is my experience with Lynne Lucio.
From the strategic perspective down to the ultimate customer care role, Lynne was instrumental in assisting me and many others with insurance claims related needs, problems and challenges. On at least four specific occasions, Lynne interceded on my behalf with the insurance third-party administrator and with the direct provider to resolve complicated and otherwise difficult claims issues. Despite my concerted efforts, it was impossible to find resolution on my own. The result was a personal savings of over $3,000 and I attribute this directly to Lynne's considerable knowledge and selfless efforts.
I cannot think of anyone eminently more qualified to share years of experience with insurance topics, challenges and other matters of interest than Lynne. Her guidance in this role is invaluable and I have benefited personally from her unique expertise. Quite simply, Lynne is a master at navigating thru the "claims maze" to the benefit of those she has served.
The Insurance Decoder, the companion resource The Super Duper Insurance Decoder Kit and Lynne's other writings on this topic will no doubt continue to assist many more like me who desperately need help negotiating the complicated insurance claims process. Like me, others will learn of the knowledge, leadership and compassionate assistance I so dearly have appreciated."
- Bob Fredette, SPHR
Senior Human Resources Generalist
Knowledge is power
"Lynne Lucio understands the frustration one feels when medical claims start piling up and consumers realize how confusing the health insurance world can be. She has created a simple reference guide to help walk an individual through the confusion of having health insurance.
Every one of us will experience, at one point or another, a denied, pended, or lost claim. The Insurance Decoder will help ease the frustration you feel when you are receiving EOBs and/or bills from your doctor's office that you do not fully understand. She helps guide you through the process of understanding the steps to take toward resolution.
Lynne's extensive knowledge and understanding of various health insurance policies, and her long-term success in helping people get claims resolved, has given her the ability to help others become more confident when it comes to resolving a claim issue.
The Insurance Decoder is a must read for everyone who has health insurance. No one is exempt from having a claim denied, delayed, or lost in the mail.
-Jennifer Howard, Former Human Resource Program Manager and Customer Service Representative with a large health insurance company."
On the right track
"I first met Lynne Lucio when we began our careers at United Healthcare of Utah (UHC), in the Customer Service Department and later down the line we served as Team Leads in Customer Service. Lynne was not only a great friend but also a great team leader to work with. She knew the ins and outs of the claims system and how the plan's processes adjudicated - she was dedicated to getting the correct answers for our team and our clients in order to resolve their insurance issues. I also had the honor to work with Lynne when she was the UHC Plan Administrator while I was the active supervisor of the Enrollment Department. It was very interesting to continue to work with Lynne, but in a different capacity, and see how far reaching her skillful knowledge of the plan and systems helped solve other department issues. I am much honored to have had the opportunity to work with Lynne and experience her creative, caring and kind nature and great work ethic. The Insurance Decoder is a great book that will put you on the right track to being in control of your benefits and the confidence to talk intelligently with insurance professionals. I highly recommend this book to help you save unnecessary out-of-pocket costs and be more educated about your insurance claims process so that you can get more positive resolutions to your insurance and claims issues."
-Annette Haslem, Benefit Manager, SBI, Inc.
A personal savings of over $20,000
"During her many years as Benefits Manager for the Tribal Government we both worked for, Lynne Lucio established and over the years enhanced the employee self-funded health plan that served the Tribal Government and several of its enterprises.
Lynne was actively involved in assisting me and many others with insurance claims related needs, problems and challenges. On one specific occasion, Lynne intervened on my behalf with our health plan's third-party administrator to resolve a complicated and potentially costly claims issue. Although my plan provided coverage for my procedure, my claim was initially denied for reasons I couldn't understand. I was frightened about the amount of out-of-pocket I was facing and went to Lynne seeking her assistance with this problem―I was fortunate to realize a personal savings of over $20,000 directly due to Lynne's intervention and knowledge of our plan.
I cannot think of anyone more qualified to share insurance experience and other related matters of interest than Lynne. Quite simply, Lynne is skilled in maneuvering thru the maze and sovling the "claims puzzle" to the advantage of those she is assisting. Her guidance in this role has been invaluable to the employees covered under our health plan and I have personally benefited from her efforts, expertise and commitment to customer service.
Lynne has identified a need and satisfied it for people who are hungry for answers about their insurance coverage. The Insurance Decoder, the companion resource The Super Duper Insurance Decoder Kit and Lynne's other writings on this topic will no doubt provide the information necessary to negotiate the complicated insurance claims process. Lynne's approachable personality and quick grasp of the issues makes it easy to find out what the problem is and obtain a resolution. Those who read The Insurance Decoder will be afforded the knowledge and expertise that I have personally received from Lynne."
- Name Withheld
A must-have reference guide
"If you have ever personally experienced a health crisis, or a loved one has, then The Insurance Decoder is a must have reference guide in your library! Facing health issues is very stressful for a family without the additional component of comprehending health insurance. Reading EOB's and attempting to understand payment/non-payment of claims while navigating through the turbulent insurance waters is challenging without the aid of a compass like The Insurance Decoder and its companion e-book, The Super Duper Insurance Decoder Kit. Do yourself and your family a favor and take the time to check this book out."
- Diana Becker, PHR
Extremely helpful for consumers and billing professionals
"As someone who has been doing medical billing for 20 years, I find The Insurance Decoder extremely helpful in navigating the ever changing insurance industry rules and explaining how the health claims process works, from start to finish. Lynne Lucio has a keen understanding of the health insurance business and communicates the information in a easy style. Each person doing medical billing usually does not handle all areas and types of insurance and may not have expertise in all parts of the insurance billing process. The Insurance Decoder is extremely helpful to me when I'm working with a new insurance plan or one that I have not dealt with for awhile. Lynne has created a fantastic go-to option for anyone looking to increase reimbursement turn-around time and reduce out-of-pocket costs. The Insurance Decoder is a very easy and informative read."
- Jo Facer, Medical Biller
Substantial Savings
"Lynne worked tirelessly in our organization's Benefits Department. During Lynne's tenure, her knowledge, skills and her work ethic resulted in substantial savings to my family and assuredly others; due to Lynne's very thorough reviews of our claims and her intervention."
-Karl Auerbach
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