Senior Care Insurance Services

By Woodrow Wilcox

On June 20, 2017, I worked on a case for a client who had just passed away. The family forwarded to me a bill for $256. The family wanted to know if they should pay the bill or not.

I reviewed the bill with the client’s Medicare supplement insurance company. What I suspected was true. The medical service provider (or its billing firm) filed the claim incorrectly.

The biller should have filed the claim with Medicare. The insurance company never got a claim from Medicare. The bill itself revealed that it had incorrectly filed the claim directly with the secondary (supplemental) insurance company.

I wrote a letter to the biller in which I pointed to the obvious errors on the bill and the report of the insurance company. I told the medical biller that since it signed a contract with Medicare, it was obligated to follow Medicare rules and file the claim with Medicare. I told the medical service to correct its error and let the claim be processed in the normal way.

When that is done, I believe that the entire bill of $256 will be resolved. Thus, I saved the family of the deceased $256. All the help that I gave was FREE OF CHARGE. This insurance agency “goes the extra mile” for our senior citizen clients all the time. If your insurance agent or agency does not give this high standard of service to senior citizen clients, maybe you should switch to one that does.