Senior Care Insurance Services

By Woodrow Wilcox

On Friday, August 9, 2013, a client phoned me to report some good news. She thanked me for helping her with a hospital bill. The hospital dropped a claim for $1,145. The client is from Hobart, Indiana.

Several weeks before this call, the woman had visited our Merrillville office and I worked with her for more than an hour regarding this bill. The claim was for services which were no longer covered by Medicare. The hospital claimed that she had signed a waiver to allow the hospital to bill her because Medicare would not pay. Our client did not remember signing such a document.

I was honest with the client. If she did sign the waiver, I would not be able to help her with the bill. But, I listened to the client. She insisted that she did not remember signing such a document. In the past, clients have told me that and I requested the hospital to send a copy of the signed document. When such a document is produced, the senior admits the error due to forgetfulness.

For this client, I wrote a letter to the hospital which asked them to send a copy of the waiver that was signed by the client. But, then I told the hospital that our client was on a fixed income and asked the hospital to discount the bill for the senior.

Instead, on this occasion, the hospital admitted that it could not find the signed waiver and simply erased the bill. This was a stroke of luck for our client. But, that luck would not have come to the client if I had not written to the hospital to challenge it to produce the signed waiver.

All the work that I did for this client was FREE OF CHARGE. The owners, managers, and staff of this insurance agency really do care about our senior citizen clients. We do our best to protect our clients from financial harm when there is a problem with a Medicare related bill. Does your insurance agency give this high level of service to its senior citizen clients? If not, why not?

© Woodrow Wilcox 2013-2014