I am very familar with Medicare and general insurance questions. I can answer general questions about HMO's.
I have been in the medical billing industry for 50 years. I have helped develop software for this industry. I am a consultant to billers and the medical profession.
I am the Executive Director of NEBA, a medical billing organization with nearly 1000 members.
I have been teaching medical billing for many years as well as being a published author with Pearson Education. One book on medical billing (nearly 800 pages) and one on HIPAA.