Senior Care Insurance Agency

By Woodrow Wilcox Previously, I had written a letter to a medical products firm from which our client had ordered a device. It was a brace. The firm wanted $250. You might think that a brace – any brace – to help a senior citizen heal should be covered by Medicare. Not so! The firm had our client sign an ABN – ADVANCE BENEFICIARY NOTICE. But, our client did not remember signing any such form.…

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By Woodrow Wilcox On July 12, 2017, a client brought a medical bill to our office in Merrillville to ask me why it was not paid by either Medicare or his Medicare supplement insurance policy. The client is from Highland, Indiana. I copied the bill and asked him to wait at the front of our office while I checked on the matter for him. I reviewed the bill and phoned his insurance company to ask a question…

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By Woodrow Wilcox I want to tell you about the second fattest case file in my office. It is two inches thick with medical bills, my letters to correct medical bills, and other papers. The file is about a woman who was 88 years old and recently passed away. She lived in Valparaiso, Indiana. A couple years ago, her husband phoned me to complain that her medical bills were not being paid properly. Her…

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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…

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By Woodrow Wilcox On June 7, 2017, an elderly woman visited my office to discuss a medical bill problem. She is from Hobart, Indiana. She brought a bill from a hospital in Illinois for my review. The bill claimed that a charge of $5,005 had been filed with Medicare and that the balance which she owed was $1,143.19. I reviewed the papers that she brought and believed that there was a problem with this…

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By Woodrow Wilcox From April 2018 to April 2019, Medicare will send new Medicare ID cards to everyone on Medicare. The new cards will NOT have the Social Security Number as part of the identification for Medicare. The new cards will have unique, randomly assigned numbers and letters called a Medicare Beneficiary Identifier (MBI) which will replace the Social Security based Health Insurance Claim Number…

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By Woodrow Wilcox On May 30, 2017, I helped a Macedonian-American from Crown Point, Indiana. He brought a bill from a hospital to my office and asked why he got the bill. He complained that he bought an insurance policy through our agency, but it wasn’t paying anything. Because of his complaint, I decided to bring him to my office while I worked on the problem. I used a speaker phone so that he…

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By Woodrow Wilcox On May 1, 2017, a ninety year old client brought to me a medical bill and other papers to review with him. Also, he brought me a silver dollar as a gift. I had helped the client with other bills in the past. He knew that there was no charge for my help on those bills. He just wanted to give me a gift of appreciation anyway. The silver dollar was a very nice gift. It reminded me of…

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By Woodrow Wilcox On April 7, 2017, I wrote a letter to a medical service provider who uses a medical billing firm that has really sloppy bookkeeping habits. The client is an elderly man from Michigan City, Indiana. Many doctors, hospitals, and labs use medical billing services. If the billing services are competent and professional, things go well. If the billing service is not competent and professional,…

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By Woodrow Wilcox In March and April of 2017, I helped a client with an ambulance bill. The client is a senior citizen from Hobart, Indiana. There are many rules in the Medicare system. This client got caught by a Medicare rule which caused an ambulance bill for $640 that Medicare would not help to cover. A few years ago, I warned seniors that the federal government would gradually change rules about…

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