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S.O.S- Speaking of Seniors

Written by Woodrow Wilcox. Posted in Uncategorized

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Published on November 03, 2010 with No Comments

By Woodrow Wilcox

A senior citizen who is a client of this insurance agency was surprised that Medicare and his Medicare supplement insurance policy did not pay for everything during a recent one night stay at a local hospital.
This Portage resident asked me for help.
I reviewed the paperwork that he brought to the office and made some phone calls. Medicare and the insurance company had paid for everything except $200.47.
Medicare refused to pay for it. If Medicare disapproves or rejects a claim, the Medicare supplement insurance policy will not pay either because the policy is based on what charges Medicare approves.
What were the charges that Medicare refused to approve and allow?
Prescription medicine.
In this case, Medicare would not pay for “self administered prescription medicine.” Since Medicare Part D – prescription drugs – started, Medicare started a policy of not approving or paying for prescription medicines if the senior citizen patient was well enough to take a pill from a nurse, put it in the mouth and swallow it.
The reasoning of Medicare leaders was that if the patient is well enough to take the pill, then the patient is well enough to pay for it.
Gradually, Medicare rules are being changed to push more costs onto senior citizens in order to save the federal government money.
Unfortunately, in this case, the man from Portage will have to pay the $200.47 that Medicare refused to approve and pay. I do not think that is fair to senior citizens. But, I do not make the rules. Federal government leaders and bureaucrats do that.
But, I do use the rules to help senior citizen clients of this insurance agency whenever that is possible.

Note: Woodrow Wilcox is the senior medical bill problem solver at Senior Care Insurance Services in Merrillville. This is the largest senior citizen-oriented insurance agency in the Midwest. For other articles by Wilcox: HYPERLINK “http://www.woodrowwilcox.com/” www.woodrowwilcox.com or HYPERLINK “http://www.medicareproblems.net/” www.medicareproblems.net.

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About Woodrow Wilcox

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All opinions, conclusions or recommendations expressed are those of the author and do not necessarily reflect the views of The Chronicle.  Woodrow Wilcox is the senior medical bill case worker at Senior Care Insurance Services in Merrillville, Indiana.  Wilcox has helped the clients of that agency save over one million dollars by finding and correcting medical bill errors that were caused by mistakes in the Medicare system.  For other articles by Wilcox, visit publishing websites including www.dakotavoice.com and www.americanclarion.com.

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