Copyright © 1998 Claims Security of America Philosophy and History We live in a country with the most sophisticated and exceptional health care, but our health insurance system and related medical costs have grown into a horrific nightmare. Conservative estimates say paperwork and billing consume nearly one fourth of the cost of health insurance in this country. These figures do not include the time wasted in filling out forms or tracking insurance company payments. A recent Associated Press report indicated that "sorting, shuffling and processing billions of pieces of paper cost at least $40 billion. Some say it's more like $90 billion.......". This same report found that there are more than 4 billion medical claims generated each year on more than 450 different forms. The general public, as well as the provider community, are drowning in medical insurance paperwork. With thousands of dollars spent on health insurance premiums annually, and all of the hours/days/months spent in doctor's offices and hospitals, the subscriber/patient should not be burdened with the current inefficiencies and red tape. Navigating the maze of insurance land, verifying correct reimbursement from your insurance company(s) and paying bills appropriately is becoming an increasingly more frustrating, complex, unpleasant experience. Claims Security of America (CSA), incorporated in 1989 as Health Claims of Jacksonville, Inc., was created to serve the millions of health insurance subscribers who often feel ripped off by the current system. CSA has evolved as a powerful ally for the subscribers in an industry that has desperately needed a patient-sided advocate with a strong voice. Articles on CSA in national magazines: Kiplinger's Personal Finance, Cosmopolitan, Business Week and Working Woman have created additional exposure that further demonstrates the need for this service. CSA was also prominently featured in a McGraw-Hill book, Health Service Businesses on Your Home-Based PC. CSA provides training, consulting, and Start-up Business Kits for those looking to enter the field as a Claims Assistance Professional. The nationwide company is led by a husband and wife team with over 80 years combined experience in the medical, nursing & insurance fields. Harvey J. Matoren serves as President & CEO, formally a Senior Vice President of Blue Cross Blue Shield of Florida and President of its HMO subsidiary company. Carol G. Matoren serves as Sr. Vice President & COO and is a Registered Nurse, previously involved in developing, implementing and managing a utilization review/pre-certification program for Blue Cross Blue Shield of Florida, with additional experience in discharge planning, home care programs and major teaching hospitals as a clinical nurse. Together, with their professional background and personal histories as patients, the Matorens were exposed to the vast complexities and inefficiencies of the system. Their experiences convinced them, many needed help, whether they realized it or not. Patients, unknowingly, miss-pay doctor and hospital bills, claims often go unfiled, and insurance companies often double pay providers. These are just a few of the  things we see on a daily basis. CSA guards against these and other errors, ensuring our clients receive their maximum benefits. The company also developed specialized software that makes the tracking and follow-up process more efficient, and thus, ultimately provides superior customer service. Although many of our clients are independent senior citizens plagued by the Medicare bureaucracy, we also have relationships with retirement and life-care communities. In addition, we assist professionals and executives who lack the necessary time required to fill out forms and do the proper follow-up. Employers who wish to provide an extra benefit to their employees also seek our help. Others we have aided include: CPAs, lawyers, trust officers and financial planners. We have enjoyed a national contract with Merrill Lynch since 1995, serving Merrill Lynch clients, employees and their dependents. Claims Security of America handles all size accounts from anywhere in the country and provides service for subscribers from all insurance companies and related policies. Mission Statement Claims Security of America seeks to provide quality management of the health insurance claims filing process for its clients throughout the United States. The major objectives of the company are to:    1. Relieve its clients of the cumbersome, frustrating, overwhelming, time consuming and stressful claims        management/filing process.    2. Maximize clients' reimbursement consistent with their benefits.    3. Make certain that clients pay only those bills required of them. We will achieve these objectives by being a knowledgeable and professional organization and by providing quality personal service at reasonable cost. The increasing complexities of the health care system and the associated administrative paperwork, will provide opportunities for the company to expand throughout Florida and the United States. The Principals Harvey J. Matoren is President & CEO and co-owner of Health Claims of Jacksonville, Inc. and Claims Security of America. He has over 40 years of experience in health care management and the health insurance industry. Prior to starting Health Claims of Jacksonville in 1989, with his wife Carol, he was Senior Vice President of Florida's largest health insurance company, Blue Cross and Blue Shield of Florida, and developed and served as President of its HMO subsidiary. He has also held management positions in major teaching hospitals. He has a Bachelor of Science degree in Psychology from the City University of New York, a Master's degree in Public Health from UCLA, has completed all course work for his doctorate at Columbia University and completed an advanced management program at the Harvard Business School. He is licensed as a Public Health Adjuster by the Florida Department of Insurance. He served on the Jacksonville Family Care Connections Executive Committee and its Board of Directors, and was a member of the Board of Trustees of Specialty Hospital in Jacksonville and served as its Vice Chairman and Chairman.  He was one of the first members certified by the former National Association of Claims Assistance Professionals, and was a founding member of its National Advisory Board and Certification Committee, playing a leadership role in developing certification standards for the organization. Carol G. Matoren is Sr. Vice President  & COO and co-owner of Health Claims of Jacksonville, Inc. and Claims Security of America. She is a Registered Nurse and has over 40 years of experience in nursing, health care management and health insurance. Prior to starting Health Claims of Jacksonville, Carol developed, implemented and managed a utilization review/pre-admission certification program for Blue Cross and Blue Shield of Florida. She also has extensive experience in discharge planning, home care programs, and has worked in several major teaching hospitals as a clinical nurse. She has a Bachelor of Science degree in Nursing, having attended Hofstra University, and graduated from Cornell University-New York Hospital School of Nursing. She is licensed as a Public Health Adjuster by the Florida Department of Insurance, served on the Family Care Connections' Eldercare Task Force and chaired the Task Force Speakers' Bureau. She was named Woman Business Owner of the Year, in 1993, by the Women Business Owners of North Florida. She is also a member the Jacksonville Alzheimer's Association Board of Directors and a member of Who's Who in American Nursing. She was one of the first members certified by the former National Association of Claims Assistance Professionals and was a founding member of the organization's Certification Committee, playing a leadership role in developing certification standards. 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