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Friday, November 20, 2009
By Woodrow Wilcox
Be a responsible elected legislator. A responsible elected legislator reads and studies a proposed bill before voting on it. A responsible elected legislator allows time for the voters to read and study a proposed law and advise their legislators about what they like or don’t like about it. A responsible elected legislator takes seriously the oath of office promise “to protect and defend the Constitution against all enemies . . . .” How can you uphold that oath without reading and studying a bill or amendment before voting on it? You can’t. It is impossible. How would you know for sure that no part of the bill harms the Constitution and the liberties that it guarantees?
Harry Reid and Nancy Pelosi have become high pressure sales artists. They want legislators to vote on Saturday nights when voters can’t reach legislators through the normal switchboards. They ask legislators to vote for bills or amendments without first reading them. Those are the tactics of high pressure sales artists.
If you sign a contract without reading it first because a high pressure sales artist persuades you to sign before reading and understanding the contract, then you are irresponsible. If you support a bill or amendment or procedure to forward a bill or amendment without reading it, studying it, and allowing the voters to review it and advise you, then you are an irresponsible legislator. And the label of “IRRESPONSIBLE” will stick on you in the next election.
High pressure sales artists pressure their victims to sign a contract before reading it because the high pressure sales artists don’t want the victim to learn what is in the contract before signing it. So, don’t be a victim of the high pressure sales tactics of Harry Reid and Nancy Pelosi. Be a responsible elected legislator. Allow the people to review every proposed law, amendment, and procedure and advise you on what they would like you to do. If you will insist on listening to the people in this way, then in the next election, no one will be able to brand you as “IRRESPONSIBLE”.
Note: For over six years, Woodrow Wilcox has helped senior citizens to correct medical bill errors that were caused by mistakes at Medicare and the VA clinics. Wilcox has saved senior citizens over $600,000 by canceling such wrongful charges. Also, Wilcox has edited a study on the problems caused for poor people, doctors, hospitals, insurance companies, and insured patients by the Medicaid system. For other health care related articles or videos by Woodrow Wilcox, visit http://www.medicareproblems.net.
Written on November 20, 2009 by
Wednesday, November 18, 2009
OBAMA’S UNFAIR CRITICISM OF INSURANCE COMPANIES
By Woodrow Wilcox
Recently, Obama has been criticizing insurance companies. He has claimed that insurance companies make huge profits on health insurance. He has claimed that insurance companies charge for doing administrative work that has nothing to do with health care. To people who don’t know the details of the health care system, Obama’s claims may sound good. But, a closer examination of the facts will prove that Obama is wrong.
In recent weeks, both the Wall Street Journal and the Associated Press have published stories giving the facts about health care insurance profits or lack thereof. Part of the headline of an article by Brett Arends in the Wall Street Journal read “INSURERS’ PROFITS ARE SO SLIM, IT WOULD BE HARD FOR HEALTH CARE REFORM TO WHITTLE THEM FURTHER”.
The Pulitzer Prize winning website POLITIFACT (www.politifact.com) called Obama on a false statement about insurance company profits last July.
On the other hand, an Associated Press story by Hope Yen about a government report government report that was just released exposes the fact that the MEDICARE system alone paid $47 billion in false or questionable claims in fiscal 2009.
Because I write articles about Medicare problems and have edited studies on Medicaid and the VA system, people send me information about problems in the system. One fellow from California who works for a billing service that deals with MEDICAL (California Medicaid) told me that he noticed suspicious billing. He created a program to spot suspicious billing and found over $2 million of questionable bills in a six month period. He brought the evidence to his supervisors, but they were not interested in contacting authorities because it was a small figure in percentage terms and they did not want the extra work. Based on what the informant told me, I extrapolated that suspicious claims in the MEDICAL system might be costing California taxpayers over $12 billion per year.
In the same government report, the Medicaid program for the poor spent $18.1 billion on false or suspicious claims. Also, the report reveals that the government agency over Medicare ignored internal watchdog or whistleblower warnings about fraudulent or suspicious billing.
Suspicious, false, and fraudulent claims cost billions of dollars per year in higher federal and state taxes.
Insurance companies must follow the laws and regulations on health care. Yes, there are administrative costs. But, almost all the administrative costs associated with health care insurance relates to complying with federal and state laws. When a suspicious or false claim is approved by Medicare, the insurance company that sold a Medicare supplement insurance policy must pay its share of the claim even if it believes that the claim is false.
In the Medicaid system, government policy “arm-twists” doctors and other medical service providers to take less than a standard fee for services. This government policy has made many doctors reluctant to help Medicaid patients because they can not even charge the government what they need to “break even” on their costs. This lack of available doctors has driven many poor people to overflow and overwhelm hospital emergency rooms. The hospitals don’t get paid by Medicaid what they need to “break even”. So the hospital increases charges for people who have insurance to make up the difference. This results in higher claims paid and premiums charged by insurance companies. Again, it is a government policy that creates the problem.
If we really want to fix the health care system and reduce costs, we need to work on fixing the government side of the problem first because that is the biggest source of problems. If Obama and his allies in Congress impose a national health care system that is based on the current systems, the problems will get worse and costs will rise even more.
In past articles, I have estimated that erroneous medical bills that are caused by mistakes at Medicare cost senior citizens in the U.S. OVER ONE BILLION DOLLARS PER YEAR IN FALSE CHARGES. That estimate is based on my experience in helping senior citizens to correct over $600,000 of bad medical bills at the insurance agency where I work. The source of these wrongful charges is mistakes in the Medicare system.
If you think that health care is expensive now, just wait until the federal government makes it “free”.
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 Medicare related articles and videos by Wilcox, visit www.medicareproblems.net.
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Written on November 16, 2009 by
Wilcox News Service
Monday, November 16, 2009
Despite the pouring rain, we out organized "Organizing for America"
There are pictures of the rally here too.
Keep up the good work!
Thursday, November 12, 2009
SAVED LOWELL WOMAN $2,568
By Woodrow Wilcox
This morning (November 12, 2009), I saved an elderly woman $2,568. The client is from Lowell, Indiana. I saved the woman that money by finding problems with Medicare related medical bills and writing letters to cite the problems and get them corrected. The Medicare system is far from perfect.
The client had two problems.
In one matter, someone at a doctor’s office misread a MEDICARE EXPLANATION OF BENEFITS. Medicare disallowed a procedure for which there was a charge of $1500. But, Medicare went further and ruled that the patient was not responsible for the charge. The doctor’s office tried to bill the 78 year old patient anyway. I wrote a letter to the doctor’s office to alert the office to the error. Errors happen. I wrote a nice letter which should correct the problem.
The client had another problem. A local hospital had a collection agency send a payment demand letter to the 78 year old woman. The demand was for $1068. I checked on the matter by phoning the client’s insurance company. MEDICARE NEVER SENT THE CLAIM TO THE INSURANCE COMPANY. You can’t blame the insurance company for not paying a bill that it never got from Medicare.
To correct the mistake made by Medicare, I sent a letter to the hospital and the collection agency. In the letter, I explained the problem and requested that the hospital send essential information about the claim directly to the claims department of the client’s insurance company. When the hospital does that, I am confident that the $1,068 bill will be paid.
These kinds of problems with Medicare related bills happen all the time. Senior citizens who do not get help from someone like me end up paying bills that they don’t really owe. In the case of this woman from Lowell, I was able to save her $2,568.
This elderly woman is just one of the senior citizen clients that I helped this morning. This help was provided free of charge. Giving clients this level of service is just one of the reasons that this insurance agency has become the largest senior citizen oriented insurance agency in the Midwest.
This level of service is needed by senior citizens all over America. Medicare related medical bill problems happen all the time everywhere. If Obama and his allies in Congress impose a national health care system that is modeled on Medicare, then everyone in America will have similar medical bill problems that are caused by mistakes in the new national health care system.
Note: Woodrow Wilcox is the senior medical bill problem solver at Senior Care Insurance Services in Merrillville, Indiana. He has fixed medical bill problems that were caused by mistakes at Medicare and the VA to save clients over $600,000. For other articles or videos by Woodrow Wilcox, visit www.medicareproblems.net, www.woodrowwilcox.com, and www.woodrowwilcox.tv.
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Written on November 12, 2009 by
Wilcox News Service
S. O. S. – SPEAKING OF SENIORS
MEDICARE HARMED NEW CLIENT
By Woodrow Wilcox
A senior citizen woman read one of my articles and decided to become a client of the insurance agency where I work. Then, she had a problem with a Medicare related bill not getting paid. Now, her case is the subject of an article by me. The woman is from
The woman phoned me to tell me about the problem. I told her what papers I needed her to send to me for my review.
When I got the papers, I contacted the woman’s insurance company. She has a Medicare supplement policy with United World Life Insurance Company. That is a subsidiary of Mutual of Omaha companies. So, she had a policy with a very good company.
My conversation with a representative of that company revealed that MEDICARE NEVER SENT THE CLAIM TO THE INSURANCE COMPANY FOR PROCESSING.
Medicare goofs like that often. Don’t blame the insurance company for not paying a claim that it never got from Medicare.
How do I help a client in such a situation? I connect the dots that Medicare missed. I sent to the insurance company essential information that I got from the client about the claim. Once the insurance company has certain essential information, it can legally process and pay on the claim.
If Obama and his allies in Congress impose a national health care system like that of Medicare on the nation, then millions more people will start to have unpaid medical bill problems like senior citizens have had for years.
Note: Woodrow Wilcox is the senior medical bill problem solver at Senior Care Insurance Services in
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Written on November 10, 2009 by
Woodrow WilcoxWilcox News Service
Monday, November 9, 2009
Wednesday, November 4, 2009
As a result of the large crowds, they strongly encouraged people to plan on arriving early to find parking and get to the Capitol.
Remember to be respectful, professional, but firm on where you stand on health care.
Other details remain the same:
· The Virginia Delegation will meet at 11:30am on the West steps of the Capitol. Look for the "Virginia" sign. The sign is a VERTICAL "political convention style" sign, it is just like what they use at conventions and has three sides so it can be seen from all sides. Marshall Smith will be holding the sign.
· Michelle Bachman will give her speech at noon on the Capitol Steps.
· Afterward, we can go visit our senators first, and then our representatives (for those who refused to meet with us behind Longworth Bldg)
· Tricia Stall has arranged for us to hopefully meet with some of our Virginia Congressman. Congressman Whitman is confirmed at 2:30 to meet with us all outside behind Longworth building, since we all wouldn't fit in his office. Behind Longworth there is a park at the corner of New Jersey St. and C Street. The park can be reached by walking down S. Capital St. or New Jersey Street. It is a grassy area with a fountain and benches and suitable for a large gathering. We will meet there at 2:30. We will wait to see who else meets with us during that time. She has invited other Representatives and Senators.
Tuesday, November 3, 2009
On Hannity, last week Congressman Michele Bachmann (R-Minnesota, 6th District) announced that she will be on the steps of the Capitol Building in Washington DC on Thursday, November 5, 2009 at noon to confront Nancy Pelosi and other members of Congress.
She is asking for other concerned Americans to come to Washington DC next week to protest the socialist health care bill being forced on the American public. She stated that many Democrats are on the fence and need to hear from their constituents.
Michele wants everyone not in favor of the health care bill to walk the halls of Congress and tell the Senators and Representatives they do not want the health care plan. She said she would like for all who come to Congress to make sure they visit the Speaker of the House, Nancy Pelosi, and tell her what to do with her health care plan.
Northern Virginia Tea Party will be there, RSVP on the form on the right. We will notify you of the exact meeting location by email.