Our Company Mission is simple...
Reduce Healthcare Costs and Battle Fraud, Waste, and Abuse
Simple Mission. Reduce Healthcare Costs.
In 1996, Michael Lubao was processing medical claims by hand; back when claims were still being reviewed on green-bar paper and manually processed line by line. When the National Correct Coding Initiative (NCCI) edits were introduced, he immediately realized that claims auditing and compliance were about to become far more complex. Most organizations saw new rules as a burden; Michael saw an opportunity to build something smarter. He developed the first version of Virtual Examiner® to automate claim review using those NCCI edits—creating one of the earliest systems capable of simultaneously improving payment accuracy and compliance.
Over the next 30 years, PCG never deleted a single rule. Instead, we’ve continuously added and replaced CMS, AMA, and Medicaid updates—building the world’s largest private medical coding directory, with over 72 million edits across 500+ categories. What began as one person’s necessity to simplify claim review has evolved into the industry’s most comprehensive FWA and compliance intelligence platform.
72 million
Edits over 30 years
97%
Client Retention
98%
Clients see ROI in 90 days
12%
Pre-Client Error Rate
3-Year
Episode of Care Auditing
1-5%
Client Error Rate
Who's leading the Vision & Results
A small team of experts helps PCG remain the #1 medical coding and compliance software solution in US Healthcare

Michael Lubao
Founder and CEO
Expertise
Throughout the 1980s and 1990s, Michael helped build operational efficiencies with payer organizations, tested their internal and external network securities, and is a master at Del Phi, Java, and nearly every coding language there is. From software programming, to machine learning to hardward and software requirements, we dare you to find someone with his level of expertise.
He Built our AI Coding Engine
When President Clinton adopted the NCCI edits in 1996, Michael was running an MSO and doing claims by hand. He knew that he needed to create a coding directory so that it would enable him and his claims team to quickly identify the proper code, modifier, place of service and remain compliant. Each quarter he would update his directory and this directory became the knoweldgebase that over 170 payer organizations have used to pay claims correctly since then.

Andria Jacobs
COO: RN, MS, CEN-retired, CPHQ
Expertise
With over 50 years in nursing and more than two decades in healthcare administration, Andria Jacobs brings unmatched clinical and operational expertise to PCG Software. She has led hospital and IPA teams nationwide and plays a pivotal role in fraud, waste, and abuse (FWA) training and compliance guidance for our clients—helping every organization strengthen accuracy, accountability, and quality of care.
Andria's role at PCG
As PCG’s Chief Operating Officer, Andria oversees daily operations and leads the Las Vegas team, ensuring every client engagement meets the company’s high standards for accuracy, service, and compliance. She plays a key role in client reviews and determinations while also managing employee benefits, pension programs, and internal operations to keep PCG running efficiently and effectively.

Will Schmidt
Chief Strategy Officer (CSO)
Expertise
Will is trained in every type of business development strategy imaginable. He's helped lead and grow one of America's most profitable national pharmacies, to creating infusion suites, managing RCM and marketing agencies for clinics and payers, and even a national PEO for healthcare companies. In his lifetime, he's amassed and/or managed over $11 billion in combined sales and traveled and impacted providers, plans, and patients in all 50 states.
Will's role at PCG
Will is the first person you will meet via email, in person at an event, or on the introductory call for one of our software solutions. From the first call or meeting to the day of training, his job is to make sure that you 100% need and want our solutions and are ready to apply them day zero of training and implementation. Then each year he holds a cleint meeting to assess your needs, satisfaction, and give insights when needed on growth.

Brian James
Chief Information Officer (CIO)
Expertise
With over 25 years in software development, automation, and client relations, Brian [Last Name] brings deep technical experience and a passion for improving healthcare systems through innovation. His career spans enterprise software design, data integration, and process automation across multiple industries. Brian’s expertise bridges the gap between technology and client success—ensuring every enhancement drives measurable value, efficiency, and usability.
Brian's role at PCG
As Chief Technology Officer, Brian is focused on strengthening PCG’s software architecture and optimizing every aspect of product delivery. He is leading initiatives to enhance performance, automation, and scalability across the Virtual Examiner® Suite while also overseeing client configuration, implementation, and training. Brian’s goal is to make PCG’s technology faster, smarter, and even easier for clients to use—setting the foundation for the next generation of healthcare auditing innovation.
World's Best Support Team
At PCG Software, client relationships are the foundation of everything we do. Every client receives dedicated daily support from our in-house team of analysts, coders, and compliance experts—not an outsourced help desk. Our annual account reviews ensure each organization is optimizing results, while ongoing collaboration keeps audits, determinations, and updates running smoothly. Whether it’s a question about edits, training, or compliance strategy, our clients always speak directly with the experts who know their system best.
Our team includes certified nurse coders, healthcare analysts, and software specialists who understand both the technical and clinical sides of claims auditing. Beyond support, we help clients improve performance through preliminary automation guidance, SQL optimization, and programmatic development suggestions—bridging the gap between IT and operations. This hands-on approach is why our clients consistently achieve faster turnaround times, stronger compliance accuracy, and long-term confidence in every audit.
FAQs about PCG Go-Live and Continued Support
Onboarding
Will is trained in every type of business development strategy imaginable. He's helped lead and grow one of America's most profitable national pharmacies, to creating infusion suites, managing RCM and marketing agencies for clinics and payers, and even a national PEO for healthcare companies. In his lifetime, he's amassed and/or managed over $11 billion in combined sales and traveled and impacted providers, plans, and patients in all 50 states.
Initial Needs Assessment
Will is the first person you will meet via email, in person at an event, or on the introductory call for one of our software solutions. From the first call or meeting to the day of training, his job is to make sure that you 100% need and want our solutions and are ready to apply them day zero of training and implementation. Then each year he holds a cleint meeting to assess your needs, satisfaction, and give insights when needed on growth.
PCG Audit & ROI Presentation
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Each quarter, PCG delivers a detailed industry update covering the most significant code changes, FWA enforcement trends, and compliance cases affecting payers and providers. Our newsletter provides practical insights to support claim determinations, payment accuracy, and fraud prevention — available exclusively to Virtual Examiner® clients.
Quarterly Code and Rules Software Update
Every quarter, our clients receive a secured SFTP engine update that automatically refreshes their VE system with the latest CMS, Medicaid, and AMA coding changes. This ensures continuous compliance and up-to-date auditing accuracy without downtime or manual intervention — keeping your claims environment fully current and audit-ready.


