Written by Woodrow Wilcox. Posted in Senior Living

Published on June 06, 2012 with No Comments


On May 29th, a man phoned my office to talk with me.  He was a client of one of our insurance agents who helps people in Porter County.  The man was a senior citizen from Chesterton.  His wife had died and he was getting a bill for over $1,000.

Before he spoke with me, he had agreed to pay the bill in installments.  But the amount of the bill made me suspect that he was the victim of an error in the Medicare system.  The bill was for $1,132 which is exactly the annual deductible for Medicare Part A.  If his wife’s Medicare supplement insurance policy did not cover the Medicare Part A annual deductible, then the bill was correct.  But, I knew that our agents rarely sell a policy that does not cover that annual deductible.

I asked the man to send me copies of the bill and other important papers and to not pay the bill until I had a chance to review everything for him.  When I got the documents, I contacted the insurance company to ask about the bill.  The bill had been paid by the insurance company by a check written and mailed on January 3.  But, the hospital was still billing the widower for the bill that had been paid.

For our client, I wrote a polite letter to the hospital (at two addresses on the bills).  I informed the hospital that the insurance company already paid the bill by check in January and asked them to check their records.  If the hospital never got the check, then I asked them to contact the insurance company because it was willing to pay the bill of $1,132.

The work that I did for this senior citizen widower client saved him over $1,000.  The work that I did for him was free of charge.  The owners and managers of this insurance agency know that mistakes happen in the Medicare system.  We do our best to protect our clients from financial harm when such mistakes occur.  Does your insurance agent give this high level of service to the senior citizens that you know?  If not, why not?

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About Woodrow Wilcox

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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