Senior Care Insurance Agency Site Description en-us Mon, May 22, 2017 08:35:00 +0200 Mon, May 22, 2017 08:35:00 +0200 Senior Care Insurance Agency BIG OR SMALL AMOUNTS

By Woodrow Wilcox

On January 10, 2017, I received a phone call from a client from La Porte, Indiana. She phoned to tell me that I had succeeded in getting her insurance company to pay the final balance on a bill from a medical clinic.

The amount was small – less than $30. But, for a senior citizen on a fixed income, even $30 can make a difference.

In this case, the insurance company did not pay the balance because Medicare never sent the claim information to the insurance company. That problem with the Medicare system happens hundreds of times every day.

If someone does not help the senior citizen to investigate and correct the problem, the senior citizen ends up paying a bill that the senior does not owe simply to avoid problems with collections, lawsuits, and credit damage.

I have helped the senior citizen clients of this insurance agency to save over $9,000 and less than $30 and many places between those figures. I have a talent for finding and fixing such problems. But, I never try to take all the credit. I give credit to the owners, managers, and staff of this insurance agency. The owners win senior citizen clients to our agency and use me to protect our clients from mistakes and fraud in the Medicare system that might harm our clients financially.

If your insurance agent or agency does not care about senior citizen clients as much as that, maybe you should move your business to an agency that does.

Thu, January 26, 2017 16:22:00 +0200

By Woodrow Wilcox

When I returned from my Christmas – New Year break, I heard an encouraging holidays message on my phone’s voice mail. It was from a client who used to live in Cedar Lake but now lives in Lowell, Indiana.

The message was from the very first client for whom I had saved over $9,000 in medical bills that were caused by a breakdown in the Medicare system. Her husband had passed away. She started getting bills that his Medicare supplement insurance policy was not paying. She was rightfully alarmed. But, both she and her late husband used our insurance agency. She asked for our help. This insurance agency “goes the extra mile” for our senior citizen clients.

I researched the bills and learned that Medicare failed to send the essential claims information to the insurance company. I wrote letters to all the deceased client’s medical service providers and explained this. I asked each of them to send the essential claim information directly to the insurance company. They did that and all the bills got paid – OVER $9,000. The widow really appreciated me and our insurance agency.

Every year since then, that widow has sent me a Christmas card with a note of appreciation and encouragement to me. She did that this year, too. But, she then added a phone message in which she told me that she reads my articles in many publications in northwest Indiana. When she reads how I helped others, she remembers how I helped her. She encourages me to keep helping seniors and protecting them from mistakes and fraud in the Medicare system.

I always appreciate her kind words. But, I remind people that the only way that I can do this work is with the support and employment from Senior Care Insurance Services and its founder Fred Ulayyet. Everyone at this insurance agency cares about our senior citizen clients. I just happen to be the guy who gets and works the problems to protect our clients.

Thu, January 26, 2017 16:21:00 +0200

By Woodrow Wilcox

On December 19, 2016, one of our clients brought his friend to our office for my help. A few years ago, I had helped the client who brought his friend with a medical bill problem.

His friend first talked to one of our agents who asked me to help. For over an hour, I made phone calls with the new client. He had Medicare. But, Medicare was not paying anything on his medical bills. He is from Greece and speaks Greek much better than English. He lives in Saint John Township in Lake County, Indiana.

In our phone calls, we discovered that Medicare did not update his record for almost nine years. He started using Medicare as his primary insurer on January 1, 2008. But, Medicare never changed his status from being on an employer group insurance program – for nine years.

At the conclusion of our meeting, I wrote a “TO WHOM IT MAY CONCERN” letter and made copies. I told him to take or send a copy of the letter to every doctor, hospital, or laboratory that he had used and to which he owed money. Substituting the words “our client” for the actual name of our client, here is the letter that I wrote. Everyone who believes the federal Medicare system works fine should read this letter.

# # #

Our client and I phoned Medicare offices today to learn what was causing problems for his Medicare billing.

We learned that Medicare records for our client had not been updated for nine years. Medicare became his primary insurer on January 1, 2008, but the records were never updated. This caused incorrect processing and nonpayment by Medicare of all his claims since that date.

The Medicare representative with whom we spoke assured us that his records would be updated and corrected as of January 1, 2017.

Please, refile any claims for medical services to our client for any date of service from January 1, 2008 to the present after January 1, 2017.

Our client did not cause this problem. Medicare caused this problem. Please, cooperate with our client to get your claims processed correctly.

Thank you for your cooperation.

# # #

The help that I gave this client was FREE OF CHARGE. This insurance agency “goes the extra mile” for our senior citizen clients. Does your insurance agent or agency give this high level of service to senior citizen clients? If not, why not?

Thu, January 26, 2017 16:20:00 +0200

By Woodrow Wilcox

On December 15, 2016, a client phoned me for some help. The client is an 89 year old woman from Merrillville, Indiana.

“Hello, Woody,” she started. “I don’t know if you remember me . . . .”

“Of course, I remember you. You are the very first client that I wrote about in my book SOLVING MEDICARE PROBLEMS!” I answered.

She was flattered. She had not remembered that. Years ago, after her husband passed away, she drove about 60 miles to my office to get my help with some medical bills that were not being paid. It was a typical case of Medicare never sending the claims information to her late husband’s insurance company. That happens often. I fixed the problem and the claims got paid.

“I got a paper in the mail. I don’t understand it and it is difficult to read,” she informed me. “I’m not well enough to leave where I live to bring it to you. When it warms, I’d like to show it to you and have you explain it to me,” she told me.

“Well, if it is really important, I’d like to see it right away. Could you come to the front door area of the senior apartments where you live?” I asked.

She told me that she could. So, I asked one of the agents who works with me to go get the letter from her and bring it to me. When I got it, I was amazed at the idiocy of some people in the Medicare system. The letter was to inform a senior of options and choices regarding Medicare Part D. But, the letter was on brown paper with black lettering. That combination is difficult or impossible to read for senior citizens with seeing problems – especially color blindness. Who were the Medicare system managers that approved sending a letter with such an idiotic color combination? Whoever they are, I hope that Donald Trump finds and fires them for their incompetence.

There are many problems with the Medicare system. The problems cost senior citizens over a billion dollars per year in medical bills that the senior citizens really don’t owe but are hounded to pay. The people, contractors, and systems of Medicare don’t serve senior citizens well. But, they do serve government bureaucrats and government contractors very well by giving them big fat paychecks for running a badly designed and badly managed Medicare system.

Thu, January 26, 2017 16:19:00 +0200

By Woodrow Wilcox

On November 29, 2016, I helped an 84 year old client save $3,710. The client is from Hobart, Indiana.

He brought a bill that he had received from a local medical clinic. The bill said that he owed $3,710 – now.

I checked with his Medicare supplement insurance company to learn what it knew of the bill. It reported that a claim for $4,049 was filed but that Medicare refused to cover $3,710 of the claim.

So, I had our client join me in my office so that we could phone Medicare together. I told the client that I suspected that we would learn that the local medical clinic had filed the claim for $3,710 incorrectly. If a claim is filed incorrectly, Medicare automatically refuses to cover it.

In our conversation with the Medicare representative, we learned that I was correct. The claim was filed incorrectly. I asked for the written proof of that to be sent to our client. He will bring that to me to copy when he gets it.

I wrote a letter to the local medical clinic to inform them of the mistake and tell them what they needed to do to fix the problem so that the claim could be accepted and processed by Medicare. I helped our client, but in a way, I helped the medical clinic, too.

This kind of mistake happens all over the country on a daily basis. If no one helps the senior citizen to find and fix the problem, the senior citizen on Medicare is hounded until a bill that is not really owed is paid by the innocent senior citizen. How sad. In past articles, I have given my estimate that mistakes in the Medicare system cost senior citizens throughout our country over one billion dollars a year in false medical bills. Fortunately, I was able to protect our client from the $3,710 mistake.

All the help that I gave this client was FREE OF CHARGE. The owners, managers, and staff of our insurance agency really do care about our senior citizen clients. We “go the extra mile” to protect our senior clients from such problems. Does your insurance agent or agency give this high level of service to senior citizen clients? If not, why not?

Thu, January 26, 2017 16:18:00 +0200

By Woodrow Wilcox

November 15, 2016 was a special day. In addition to my normal administrative duties, I spent most of the day (over four hours) helping two clients with medical bill problems.

I helped a client from Chicago who got a bill for $700. I checked and learned that Medicare never sent the claims information to his insurance company. I typed a letter to the Medical Service Provider to advise its staff of this and requested that it send certain essential claims information directly to the client’s insurance company for processing the payment. When that is done, the client will owe nothing. Thus, I saved the senior citizen client $700.

I helped a senior citizen woman from Gary, Indiana. This was one of the most twisted cases that I ever worked. The Medicare bureaucracy, the doctor, the insurance company, the Treasury Department, and a bill collector all made mistakes. But, here are the two main sources of the problems that caused the chain reaction. First, for over a year and a half Medicare failed to enter into the record an important document that was faxed to it by an insurance company. Second, the doctor’s office filed claims with both Medicare and the car accident insurance company and then did not reimburse Medicare for the conditional payments. The doctor collected money from Medicare, the car insurance company for the medical claims, and the Medicare supplement insurance company for claims related to a car accident. The doctor did not return money to Medicare which it paid conditionally, but kept both that money and the money from the private insurance companies – FOR THE SAME CLAIMS.

Medicare wanted its conditionally paid claims money back after it learned that the car accident had been settled. Medicare and the U.S. Treasury Department went after the senior citizen from Gary instead of asking the doctor to return the money that Medicare paid conditionally. Remember, the doctor got paid twice for certain claims. But, Medicare wanted the senior citizen to repay the money that the doctor’s office kept. The people at Medicare who worked on this case acted with incredible incompetence and stupidity. Such federal stupidity costs taxpayers and seniors enormous amounts of money every year.

I was so upset by how badly Medicare handled the case of the woman from Gary that the next day I applied for a job with the newly elected President Donald Trump administration. I asked for a job in which I could teach bureaucrats how to reason logically and rationally. If you like that idea, contact the Trump transition team and tell them hiring Woodrow Wilcox would be a good idea.

Thu, January 26, 2017 16:17:00 +0200

By Woodrow Wilcox

On October 31, 2016, a client from Crown Point brought me copies of letters that he had received regarding an insurance billing problem that I had helped him to correct.

About a month earlier, I spent a few hours with the client to learn why he was being billed for two Medicare related health insurance policies at the same time from one insurance company. Let me make it clear that our insurance agency did not make a mistake and cause the problem. The insurance company made the mistake and caused the problem. The client was paying for both a Medicare supplement insurance policy and a Medicare advantage policy. You can’t have both at the same time.

When we complained to the insurance company directly, it did not want to admit the mistake. So, I helped our client file a complaint with the Consumer Protection Division of the Indiana Attorney General. That got results.

The client had to decide which policy he wanted to keep. We explained his options and let him decide. There was no perfect solution. He made his choice and got a refund from the insurance company of $5,944.74.

On Halloween Day, the client stopped by my office to give me copies of the letters showing that he was getting a big refund. He thanked me and our agency for working so hard to make sure that he was treated fairly. He told me that after he left my office, he was going to fly to Mississippi to stay there for about a month. Why can’t I have his kind of luck?

All the help that I gave this client was FREE OF CHARGE. This insurance agency distinguishes itself by “going the extra mile” to help our clients whenever the Medicare related insurance system breaks down and threatens to cause financial problems for our clients. Does your insurance agent or agency give this high level of service to senior citizen clients? If not, why not?

Thu, January 26, 2017 16:14:00 +0200

By Woodrow Wilcox

On October 25, 2016, I wrote a letter to a client. She thought that we would help her to file a claim with Medicare. We don’t do that. We do help a client to avoid financial harm whenever a mistake or fraud causes a problem with a Medicare claim. But, we don’t file original claims. Following is the body of a letter that I sent to our client to explain this.

# # #

In our phone conversation today, you told me that you always pay your doctor in Chesterton when you visit because he is not contracted with Medicare.


Medicare will process your claim and send a payment to you which would equal what Medicare would have paid if the doctor were contracted with it. Likewise, your Medicare supplement insurance company will pay only what Medicare directs it to pay on the claim.


This office is not capable to FILE ORIGINAL CLAIMS. No one in our office is trained for that and we do not have the manpower, equipment, or computer programs to assist with that. We will help with correcting mistakes or problems with a bill AFTER A CLAIM IS FILED. That is all we can do to help you.

I phoned your Medicare supplement policy insurance company to learn if it had any “short-cut” services for helping you file a claim with Medicare and it reported that it did not. To learn how to file a claim with Medicare, you need to call 800-633-4227.

# # #

Everyone at this insurance agency really cares about our senior citizen clients. We do more than most insurance agents or agencies to protect our clients from mistakes and fraud in the Medicare system. But, we don’t file claims.

Thu, January 26, 2017 16:13:00 +0200

By Woodrow Wilcox

On October 18, 2016, I wrote a letter to a medical firm in northwest Indiana to help a client from Dyer, Indiana. With some editing to protect our client’s privacy, here is the letter that I sent.

# # #

Our client sent to our office a bill from your firm for our review. The bill seeks a balance of $500 on Account Number XXXXX for services rendered on 07/25/2016.

I checked with the client’s Medicare supplement insurance company on what it knew of this bill. It reported that Medicare denied and zeroed the claim on this. The client and I requested a Medicare review form about this claim. It arrived and I compared it with your bill.

The Medicare review form should contain exactly the same information that your firm received from Medicare. Your bill to the client for $500 is for services that Medicare ruled you are not entitled to payment from Medicare or the patient. See footnote “D” of Claim # XXXX-XXXX. If you caught this problem and refiled the claim with corrected coding, realize that Medicare does not send revised Medicare review forms to Medicare supplement insurance companies. So, if that is the case, please send both the original billing information and the new Medicare information directly to the insurance company. Otherwise, accept the ruling of Medicare and do not bill our client for the $500.

# # #

The help that I gave our client was FREE OF CHARGE. This insurance agency distinguishes itself from others by helping our senior citizen clients with such billing problems for free. Does your insurance agent or agency give this high level of service to senior citizen clients? If not, why not?

Thu, January 26, 2017 16:12:00 +0200