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S. O. S. – Speaking of Seniors Medicare denied over half the bill

Written by Woodrow Wilcox. Posted in Health & Wellness, Senior Living

Published on January 02, 2013 with No Comments

SENIORS & HEALTH SOSThe son of one of our clients brought a bill and a note to me on Dec. 26.  The client wanted to know why he got a bill for $145 on a medical bill for $260 when he had both Medicare and a Medicare supplement insurance policy which he bought through this insurance agency.

The client did not send to me the Medicare Summary Notice from Medicare that related to the bill in question.  I had nothing with which to compare the bill.

I phoned his insurance company to learn what it knew of the bill.  Perhaps the insurance company never got the bill from Medicare.  In such a case, I would send a letter to get the vital information to the insurance company so that it could pay its share of a bill.

But that was not the case in this matter.  Of the bill for $260 of radiological services, Medicare ruled that $145 of the services were not covered by Medicare.  That’s over half the bill.  If Medicare rules that a medical service is not allowed for Medicare payment, then the Medicare supplement insurance will not pay on that charge either.  The insurance supplements Medicare and relies on the decisions of Medicare regarding whether a senior citizen gets help with a bill.

In my letter to the client, I stated that I have a good record of helping to lower medical bills when there is a mistake.  But I am unable to help seniors when the unexpected bill is caused by a government policy.

For years, I have warned seniors that the federal government will start to rule that more and more medical services are not covered by Medicare in order to save the federal government money and shift medical costs back onto seniors.  That is what is happening now under the new health care law.

My book “Solving Medicare Problem$” (www.solvingmedicareproblems.com) discusses this in one chapter.

 

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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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