Saturday, September 12, 2009


By Woodrow Wilcox

In his address to Congress on September 9, Obama insisted that insurance companies pay for routine tests. Apparently, he is ignorant of the fact that MEDICARE will not pay for routine tests.

Medicare routinely denies coverage for routine medical services, for medical services that are outside the time frame rules of Medicare, for hearing tests, for eye examinations, for dental services, and other medical services.

On the day of his speech, I helped a woman from Schererville who was billed $150 because Medicare refused to pay for a routine test. Recently, two of our senior citizen clients, one from Hammond and the other from Munster, were surprised when Medicare refused to approve and pay for pelvic and breast exams and pap smears for them..

Here is my point. Obama criticizes private insurance companies for not covering some routine medical tests when the federal government run Medicare system regularly denies coverage for many routine tests and many other medical services. If Obama is ignorant of that, don’t voters and members of Congress have a right to question his understanding of health care reform legislation?

One Indiana citizen who read the entire health care reform bill is Dr. Stephen Fraser. Dr. Fraser wrote a long letter to Senator Evan Bayh in which he cited the section, paragraph, sentence, and page number of everything in H.R. 3200 (the health care reform bill) which Dr. Fraser disliked.

You can read Dr. Fraser’s letter to Senator Bayh and watch video interviews of Dr. Fraser at

Two of Dr. Fraser’s objections are of special interest to senior citizens. Dr. Fraser objects to the idea of allowing a government approved person who is not a medical doctor to sign a DEATH ORDER for a patient. Dr. Fraser does not like the idea of Dr. Ezekiel Emmanuel, brother of White House Chief of Staff Rahm Emmanuel, being a key person in the writing of regulations under a health care reform bill. In one of the interviews on the website, Dr. Fraser cites articles in American and European publications which detail Dr. Ezekiel Emmanuel’s support of euthanasia and refusing medical services to young and old patients.

Note: Woodrow Wilcox is the senior medical bill problem solver at Senior Care Insurance Services in Merrillville, Indiana. That is the largest senior citizen oriented insurance agency in the Midwest. For other articles or videos by Wilcox, visit and

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Written on September 11, 2009 by Woodrow Wilcox

Wilcox News Service

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