Thursday, November 12, 2009




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,, and
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Written on November 12, 2009 by
Woodrow Wilcox
Wilcox News Service

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