Our Mission

Our healthcare bills have been proven to be rife with error and completely dysfunctional. Yet we are forced to blindly pay-up, or get dragged into a collection process we are certain to lose and see our credit destroyed. It’s a scam where everybody wins but us. – – – Fortunately, the American Healthcare System has made a huge mistake, because a simple letter can now stop one of these fraudulent bills dead in its tracks. We just have to be smart enough to send it, rather than line up as just another one of the sheep to be fleeced. – – – Because, we really don’t owe it!
Consequently, our mission is two-fold: 1.) To provide the understanding needed to get the care, coverage and billing we are owed from health insurance and 2.) To provide a simple means of making the System work for us by stopping a fraudulent healthcare bill dead in its tracks.

Frank and Angie Lobb

About the Author

Frank Lobb has an unusually broad range of experience. He is a retired U. S. Navy pilot. He then served as the General Manager for DuPont Process Instruments and DuPont’s Environmental Services. Following his retirement from DuPont, he became a principal consultant for Monsanto and later Clean Air Engineering where he lectured nationally for the U. S. Environmental Protection Agency on the challenges associated with achieving compliance with the Clean Air Act. In fact, his contribution to the Act forced EPA to completely rewrite the Compliance Section of the Act. It’s this broad range of experience that has allowed Frank to be recognized for his expertise in contracts and interpreting complex regulatory requirements – an expertise that he has used to expose the carefully hidden details of what we are ACTUALLY owed from health insurance.

Now 86 and headed for final retirement, Frank lives with his English wife Angie, their two dogs and her 17 ducks on a 200-acre working farm in Chester County, Pennsylvania where they own and operate the town’s Hardware and Supply business. And lastly, he has promised Angie that this is his very last book on healthcare, because he has finally found a solution for the horrendous fraud inside the American Healthcare System.