Client Services

 

 

Supplemental Medicare insurance in Merrillville, Indiana

SPEAKING OF SENIORS

S. O. S. – Speaking Of Seniors 

A Fouled Medicare File 

By Woodrow Wilcox 

 

On May 27, 2022, I sent a letter to a client to tell him that his Medicare file had inaccurate information added to it.  That caused his medical bills not to be paid by Medicare or his Medicare supplement insurance company.  The problem will continue until the Medicare file is corrected. 

With some editing to protect the privacy of our client, here is the letter that I sent to our client. You took medical bills to one of our offices for our review.  The bills were forwarded to me. 

  On April 25, I sent a letter to the first hospital that sent a bill.  In the latest papers that you sent to me, there was a letter from that hospital which stated that Medicare ruled that it would not pay on bills because Medicare’s records state that you have another insurance – XXX – as your primary insurer as of 02/01/2022. 

 

This means that your Medicare records are fouled with incorrect information.  None of your medical bills will be paid by Medicare or your supplement insurance until Medicare’s records are corrected. 

 I can help you with this.  I have helped other people to get their Medicare records corrected.  It is a drawn-out process.  I need you to make an appointment to come to my office in Merrillville.  We need to make phone calls together.  In each phone call, you will need to give permission for me to speak and question on your behalf. Fixing someone’s Medicare record after it has been fouled with misinformation is a process that takes a few weeks – once the initial phone calls to Medicare are made.  So, the sooner we get started, the sooner your problem can be fixed.  Call me for an appointment as soon as possible. 

 

All the help that I am giving to this client is FREE OF CHARGE.  This insurance agency helps clients with Medicare-related medical bill problems without charging the client a cent.  It is a way in which we demonstrate to our clients that we really do care for them and want to treat them very well.  If your insurance agency does not give this high level of customer service, why not switch to this agency and get treated well? 


 

Written on May 27, 2022 

by Woodrow Wilcox. 

 

Supplemental Medicare insurance in Merrillville, Indiana

SPEAKING OF SENIORS

S. O. S. – Speaking Of Seniors 

Protected Portage Patient 

By Woodrow Wilcox 

 

 On May 12, 2022, the husband of a client brought bills and papers for me to check and explain to him. His wife got a medical bill for $85.09.  I researched the matter and discovered that the client’s Medicare supplement insurance company paid the bill before the bill to our client was sent to her. The insurance paid the bill on April 22 and the medical firm cashed the payment on April 26.  The bill was printed and sent to our client on April 28.  If our client had paid the bill when she got it, the medical firm would have received the balance due payment twice.  I wrote a letter to the medical firm citing the facts and told them they got paid and should not expect any more money from our client. When I finished writing and sending the letter, the client’s husband said to me, “Wow!  Now, you’ve saved me over $1,200.”  I asked him to remind me about how he arrived at that total.  He reminded me of how I had helped him and his wife in the past.  He was right.  I had saved him over $1,200. 

 

Written on May 12, 2022 

by Woodrow Wilcox. 

 

Supplemental Medicare insurance in Merrillville, Indiana

SPEAKING OF SENIORS

S. O. S. – Speaking Of Seniors 

The Claim was Denied by Medicare 

By Woodrow Wilcox 

 

On May 10, 2022, I worked on a bill that was sent to a client in Hammond, Indiana.  The bill was for $133.After I studied the bill, I went to work on it.  With some editing to protect the privacy of our client, here is the letter that I sent to the medical firm that billed our client. Our client sent to our firm a bill from your firm and some other papers for our review.  The bill seeks a balance of $133 on Account Number XXXXXXXXX for services rendered 09/17/21. 

 I phoned the client’s Medicare supplement plan insurance company to learn what it knew of this bill.  It told me that Medicare denied this claim.  Of course, the secondary insurer will not pay on a claim that Medicare denied. So, I helped the client request a Medicare Summary Notice (MSN) about the claim.  That will arrive in about three weeks.  When the client gets it, he will deliver it to me so that we can review it. 

Until then, please check your filing of this claim.  I suspect that the claim was misfiled.  If an appropriate service is filed correctly, it usually does not get rejected.  The claim was not filed under your firm’s name but under the name XXXXX XXXXX.  So, please do review how the claim was filed.  If you made a mistake, please correct it so that the claim can be paid properly.  Thank you. 

 

 All the help that I gave this client was FREE OF CHARGE.  This insurance agency helps all our clients with Medicare billing problems without charge.  It is our way of showing that we really do care about our clients.  If your insurance agent or agency does not give this high level of customer service to clients, why not switch to this insurance agency because we do help clients with such problems. 

 

Written on May 10, 2022 by Woodrow Wilcox. 

 

Supplemental Medicare insurance in Highland Indiana

SPEAKING OF SENIORS

S. O. S. – Speaking Of Seniors 

Saved Dyer Client Over $3,000 

By Woodrow Wilcox 

 

 

On May 6, 2022, I researched a medical bill from a hospital to a client in Dyer, Indiana.  The bill sought $3,818 from our client. I found the problem with the bill.  It was another case of Medicare failing to send the claim report to the client’s insurance company.  The insurance company was willing to pay its portion of the bill.  But it never got the claim information from Medicare. 

I wrote a pleasant letter to the hospital.  When the hospital does what I ask, almost the entire bill will be paid by the insurance company.  I say “almost” the entire bill because the client purchased a policy that does not pay the Medicare Part B annual deductible.  So, the client will need to pay a small part of the bill but the rest will be paid by his Medicare supplement insurance company. 

 

If I had not helped this client, the hospital would have hounded him to pay the bill for $3,818.  All the help that I gave this client was FREE OF CHARGE.  This agency helps clients when a Medicare related medical bill is fouled by a mistake in the Medicare system.  We “go the extra mile” to help our clients and show that we really do value our clients.  If your insurance agent or agency does not give this high level of customer service, why not switch to our agency? 

Written on May 6, 2022 by Woodrow Wilcox. 

Medicare supplement provider in Schererville Indiana

SPEAKING OF SENIORS

S. O. S. – Speaking Of Seniors 

A Bill from Los Angeles

By Woodrow Wilcox 

  On April 28, 2022, I helped an 81-year-old client from Dyer, Indiana. He had traveled to the Las Vegas area and needed some x-ray service in Henderson, Nevada.  He got a bill from a billing firm in Los Angeles for the medical services that he received in the Las Vegas area. 

 

I reviewed the bill the day earlier and phoned the client to leave a message.  He phoned me on April 28 and agreed to stay online while I made a three-way call to his Medicare supplement insurance company. In the phone call, with the client on the line, I asked some questions of the insurance company and the particular bill.  What I suspected was true.  The insurance company never got the medical bill claim report from Medicare.  It could not pay a bill that it never got from Medicare.  This happens a lot. 

 I wrote a letter to the medical firm and its billing service citing the facts.  With some editing to protect the privacy of our client, here is the letter that I sent to the medical firm and its billing company. Our client sent to our firm a bill from your firm for our review.  The bill from your firm seeks a balance of $416 on Account # XXXXXXXX for services rendered 03/10/2022.  The Account # was not clear.  I did not have a clean copy of the bill.  That is what Account # seems to be. I phoned our client’s Medicare supplement plan insurance company to learn what it knew of this bill.  It reported that it never received this claim from Medicare. That is not the fault of the patient – our client.  It is Medicare’s fault. Your bill shows an original balance of $416 with no adjustments or payments by Medicare.  So, your bill evidences confirmation of the secondary insurer’s statement that Medicare never sent any ruling on this claim.   

 To fix this problem as fast as possible, please send both the original billing information and the Medicare EOB information that you have directly to the secondary insurer at the following address. 

 I expect my letter will result in our client owing nothing except the Medicare Part B annual deductible because that was the kind of policy he bought.  All the help that I gave this client was FREE OF CHARGE.  This insurance agency “goes the extra mile” for our clients to fix Medicare medical bill problems.  If your insurance agent or agency does not give this high level of customer service, why not switch to an insurance agency that does?  This one does. 

Written on April 28, 2022 by Woodrow Wilcox. 

 

Medicare supplement provider in Schererville Indiana

SPEAKING OF SENIORS

S. O. S. – SPEAKING OF SENIORS 

BAD BOOKKEEPING AT MEDICAL FIRM 

By Woodrow Wilcox 

 

 

 On April 14, 2022, I helped a 75-year-old senior citizen client from Munster, Indiana. She got two medical bills from two different medical firms that were both wrong.  I researched the bills and wrote letters to both firms to correct their billing errors.  In each case, the senior citizen was being billed a false amount when the real balance was zero. In one case, I suspected that maybe the bill was already fixed because of the pattern of the dates of correspondence between the medical firm, the insurance company, and our client.  I simply wrote a letter restating the facts and asking the firm to make sure that the balance was zero. 

 

 In the second case, I found more serious problems with the bill.  With some editing to protect the privacy of our client, here is the letter that I sent about the more serious medical bill problem. Our client sent to our firm a bill from your firm for our review.  The bill is dated 03/24/22 and seeks a balance due of $113.17 on Account Number XXXXXXX for services rendered 11/13/21. 

 

 I phoned the client’s Medicare supplement plan insurance company to learn what it knew of this bill.  It reported that your bill is false.  Here is why. Your bill states that the secondary insurer paid your firm only $1.90 on 03/21/2022 and that there is a balance of $113.17.  That is false. The secondary insurer paid your firm the entire balance of $113.17 on 3/15/22 by an EFT draft with token # XXXXXXXX which your firm cashed on 3/17/22.  Someone is not marking your account books correctly.  If you need help to fix your bookkeeping, please contact the secondary insurer for help. 

 

 All the help that I gave this client was FREE OF CHARGE.  This insurance agency has built a reputation for “going the extra mile” for our clients in such medical billing problems.  If your insurance agent or agency does not give this high level of customer service, why not switch to an agency that does? 

 

Written on April 20, 2022 by Woodrow Wilcox. 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


 

 

 

 

Medicare supplement provider in Schererville Indiana

SPEAKING OF SENIORS

S. O. S. – SPEAKING OF SENIORS 

Bad Bill From Hospital  

By Woodrow Wilcox 

 

 

On April 19, 2022, I wrote a letter to a local hospital to tell it that its bill to our 94-year-old client was a false bill.The client sent to me the bill and another paper.  I received the papers from the client that morning and went to work on the case. With some editing to protect the privacy of our client, here is the letter that I sent to the hospital. 

 Our client sent to our firm a bill from your firm for our review.  The bill is dated 04/04/22 and seeks a balance of $72.96 on Account # XXXXXXXX for services rendered 03/16/2022.I phoned the client’s Medicare supplement plan insurance company to learn what it knew of this claim.  It reported that your firm’s bill to our client is false.  Here is why. The insurance company sent payment to your firm on 03/06/22.  The payment was made by EFT with confirmation token KXXXXXXXX.  If you need help to learn or remember how to get this money, phone the insurance company’s policy services line at 800-XXX-XXXX for assistance. Please, correct your records to show that this bill was paid.  Thank you. 

 

All the help that I gave this client was FREE OF CHARGE.  This agency helps clients with such medical bill problem to demonstrate that we really do care about our clients.  If your insurance agent or agency does not give this high level of customer service, why not switch to an agency that does?  This one does. 

 

Note: Woodrow Wilcox is the senior medical bill case worker at Senior Care Insurance Services in Merrillville, Indiana.  He has saved clients of that firm over three million dollars.  Also, Wilcox wrote the book Solving Medicare Problem$ which is available through book stores and online. 

 

 

Written on April 19, 2022 by Woodrow Wilcox. 

 

 

 

 

 

 

 

 

 

 

 

 

 


 

 

 

 

Supplemental Medicare insurance in Merrillville, Indiana

SPEAKING OF SENIORS

S. O. S. – SPEAKING OF SENIORS

THEY ALREADY GOT THE MONEY 

By Woodrow Wilcox 

 

 On April 13, 2022, I wrote a letter to a medical service or supply firm for a client who lives in Valparaiso.  I researched the medical billing problem and wrote the letter.  With some editing to protect the privacy of our client, here is the letter that I sent to the billing firm. 

Our client sent to our firm a bill from your firm for our review.  The bill from your firm seeks a balance of $147.16 on Account Number XXXXXX for services rendered on 02/23/2022. I phoned the client’s Medicare supplement plan insurance company to learn what it knew of this claim.  The secondary insurer reported that your bill to our client is false.  Here is why. The insurance company paid your firm $168.10 in March.  That was a combination of part of the client’s Part B annual deductible and coinsurance.  The $168.10 was part of a bulk payment of $242.16.  The payment was made by Electronic Funds Transfer (EFT) through XXXXXXX.  To verify this, contact XXXXXXX at 877-XXX-XXXX. 

Please, do not bother our client about this bill any more.  You have been paid. Our client was charged NOTHING for our assistance.  This insurance agency cares about our senior citizen clients.  If your insurance agent or agency does not give this high level of customer service, why not switch to an insurance agency that does?  This one does. 

 

 

 

Written on April 13, 2022 by Woodrow Wilcox. 

 

 

 

 

 

 

 

 

 

 

 

 

 


 

 

 

 

Supplemental Medicare insurance in Merrillville, Indiana

SPEAKING OF SENIORS

S. O. S. – SPEAKING OF SENIORS

HELPED 82-YEAR-OLD DYER CLIENT

By Woodrow Wilcox 

 

On April 6, 2022, I wrote a letter to a hospital in northwest Indiana to help a senior citizen client who lives in Dyer, Indiana. The bill from the hospital was delivered to me the night before that by Maha in our Schererville office. 

It was another case of Medicare failing to send the claim information to the senior’s insurance company. With some editing to protect the privacy of our client, here is the letter that I sent to the hospital.  I am confident that the bill for $99 will be resolved because the hospital involved has a good record of cooperating with me. Our client sent to our firm a bill from your firm for our review.  The bill seeks a balance of $99.00 on Guarantor Number XXXXXX for services rendered on 11/16/21. I phoned the patient’s secondary insurer to learn what it knew of this bill.  It reported that Medicare never sent this claim to it.  That is not the fault of the patient. 

 

To fix this problem as fast as possible, please send both the original billing information and the Medicare EOB about this claim to the secondary insurer at the following address. All the help that I gave this client was FREE OF CHARGE.  This insurance agency helps our clients with such Medicare related billing matters to demonstrate our commitment to treat our senior citizen clients well. If your insurance agent or agency does not give this high level of customer service, why don’t you switch to an agency that does?  Our agency does. 

 

 

Written on April 6, 2022 by Woodrow Wilcox. 

 

 

 

 

 

 

 

 

 

 

 

 

 


 

 

 

 

Supplemental Medicare insurance in Merrillville, Indiana

SPEAKING OF SENIORS

S. O. S. – Speaking of Seniors 

Protected Widow from Hobart 

By Woodrow Wilcox 

 

 

On March 30, 2022, a widow of one of our clients brought an unpaid bill to me to check for her.  I was able to research the matter and send a letter to the billing firm the same day. 

 

 On my phone call with an insurance company representative, the representative said, “But we paid on all the claims that we got.  What’s the problem?  I can give you the check numbers and the dates we sent the payments.” 

 

 He did not understand my questions.  I did not doubt that the insurance company had paid every claim that it received.  I wondered if it had not received the claims.  I specified my questions to ask if a claim for a date of service with an original billed amount of X had been received by the insurance company.  I went through each of seven dates of service.  The representative got the gist of my questions while he was answering “No” to each of my specific questions.  The only reason that the insurance company had not paid the bills for those dates was that Medicare never bothered to send the claims for those bills to our client’s Medicare supplement insurance company.  You can’t blame an insurance company for not paying a bill that Medicare never bothered to send to it. 

 

If I had not helped the widow with this bill, she would have been hounded to pay a bill that never should have been sent to her.  This problem happens thousands of times per day all around our country because the Medicare communications system breaks apart many times per day.  I was able to help this widow with this bill.  Other people need to learn how to help seniors with these kinds of Medicare related medical bills.  If you want to start to learn, get my book SOLVING MEDICARE PROBLEM$. 

 

All the help that I gave this widow was FREE OF CHARGE.  This insurance agency “goes the extra mile” to help our clients with such problems.  It is our way of proving that we really do care about our clients. 

 

 

 

Written on March 30, 2022 by Woodrow Wilcox. 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


 

 

 

 

Supplemental Medicare insurance in Merrillville, Indiana

SPEAKING OF SENIORS

 S. O. S. – Speaking of Seniors 

 Saved Valparaiso Client $125 

 

By Woodrow Wilcox 

 

 On March 23, 2022, I researched a bill for $125 for a client from Valparaiso and wrote a letter to the medical service company. 

 With some editing to protect the privacy of our client, here is the letter that I sent. 

 Our client sent to our firm a bill from your firm for our review.  The bill seeks a balance of $125 on Account # XXXXXX for date of service 09/08/2021. 

 I phoned the client’s Medicare supplement plan insurance company to learn what it knew of this bill.  It reported that Medicare never sent such a claim to the insurance company.  That is not the fault of our client – your patient.  It is Medicare’s fault. 

To fix this problem as fast as possible, please send both the original billing information and the Medicare EOB information for this claim/bill directly to the secondary insurer at the following address.  Thank you. 

 If I had not helped this senior citizen client to correct this billing problem, she would have been hounded to pay a medical bill that she really did not owe. 

All the help that I gave this client was FREE OF CHARGE.  This insurance agency “goes the extra mile” to help our clients with such billing problems.  If your insurance agent or agency do not give this high level of customer service, why not switch to an insurance agency that does?  This one does. 

Note: Woodrow Wilcox is the senior medical bill case worker at Senior Care Insurance Services in Merrillville, Indiana.  He has saved clients of that firm over two million dollars by fighting mistakes and fraud in the Medicare system.  Also, Wilcox wrote the book SOLVING MEDICARE PROBLEM$ which can be ordered through book stores or online. 

 

 

Written on March 23, 2022 by Woodrow Wilcox. 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


 

 

 

 

Supplemental Medicare insurance in Merrillville, Indiana

SPEAKING OF SENIORS

Slow Medicare Records Update Caused Bills 

By Woodrow Wilcox 

 

 On March 16, 2022, a client from Chesterton met me at my office a second time and learned that most of his bill problems had been resolved since our first meeting on March 3, 2022. 

 On July 31, 2021, the client ended his coverage with his former employer’s health insurance plan.  On August 1, 2021, Medicare became his primary insurer and his secondary insurance was a Medicare supplement plan that our insurance agency helped him get. 

But Medicare did not update his Medicare records that Medicare was his primary insurer as of August 1, 2021 until November 4, 2021.  That’s what we discovered in our phone call to Medicare on March 16, 2022. 

The Medicare Summary Notice forms (Medicare’s report of claims) that were dated as processed and sent to the client on December 8, 2021 reported that medical services received by our client on September 1, 22, and 23 of 2021 had all been rejected by Medicare because Medicare records had not been updated in a timely manner. 

 Medicare was refusing to pay anything on the claims because Medicare records still showed that our client was under primary insurance coverage from his former employer.  That had ended on July 31, 2021.  Medicare did not even bother to update his records until November 4, 2021.  The report of medical claims filed for this client was still wrong on December 8, 2021 when the Medicare Summary Notice forms were sent to our client. 

On March 16, 2022, when the client was with me in my office, we learned from Medicare that four claims had been resubmitted, approved, and paid.  This means that my previous letters of March 3, 2022 had worked.  In those letters, I asked medical services to refile the claims that had been denied.  I told them that Medicare’s slow update of our client’s Medicare file had caused the claims to be denied.  I reminded them that was not the fault of our client – their patient.  I asked them to refile the claims and they did.  That saved our client a lot of worry and hassle.  Also, it saved our client $872. 

 

The Medicare system is far from perfect.  If no one helps a senior citizen to fix the medical bill problem, then the senior who gets a wrongful bill because of the Medicare system’s blunders is hounded to pay a bill that is not really owed.  I have not been able to get any Member of Congress – Democrat or Republican – to care enough about seniors to want to help reform the Medicare system to correct its many faults.  I estimate that the faults of Medicare are costing senior citizens over a billion dollars per year in wrongful medical bills. 

 

All the help that I gave this client was FREE OF CHARGE.  This insurance agency has built the reputation of “going the extra mile” for our senior citizen clients.  If your insurance agent or agency does not have a high standard of customer service, why not switch to an insurance agency that does?  Our agency does. 

 

Note: Woodrow Wilcox is the senior medical bill case worker at Senior Care Insurance Services in Merrillville, Indiana.  He has saved clients of that agency over two million dollars by fighting mistakes and fraud in the Medicare system.  Also, Wilcox wrote the book SOLVING MEDICARE PROBLEM$ which is available through book stores or online. 

 

Written on March 21, 2022 by Woodrow Wilcox. 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


 

 

 

 

SPEAKING OF SENIORS

Hospital Apologized for Error in Bill 

 By Woodrow Wilcox 

 

 

On March 14, 2022, I received a letter from a client in Hebron, Indiana.  The letter contained a copy of the letter of apology from a hospital in northwest Indiana. 

 

 On January 19, 2022, I had written a letter to the hospital to explain their error and that their bill to our client was wrong.  The balance of the bill should have been zero because the hospital was already paid by the insurance company and the balance from the client’s deductible portion was already paid by the client. 

 The letter from the hospital is dated February 16, 2022.  In the letter, the hospital stated, “We are writing to advise you that we received correspondence from Mr. Wilcox of Senior Care Insurance Services on your behalf regarding a bill that you received for $124.95.”  The hospital explained that their technical error had caused the problem and that they adjusted the bill balance to zero. 

 

 All the help that I gave this client was FREE OF CHARGE.  This insurance agency helps our clients with Medicare related medical bill problems to demonstrate that we really do care about our clients.  If your insurance agency does not give this high level of customer service, why don’t you switch to our insurance agency? 

 

Note: Woodrow Wilcox is the senior medical bill case worker at Senior Care Insurance Services in Merrillville, Indiana. He has saved clients over two million dollars by fighting mistakes and fraud in the Medicare system.  Wilcox wrote the book SOLVING MEDICARE PROBLEM$ which is available through book stores or online. 

 

 

Written on March 14, 2022 by Woodrow Wilcox 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


 

 

 

 

SPEAKING OF SENIORS

HELPED 89-YEAR-OLD HIGHLAND CLIENT 

By Woodrow Wilcox

On February 24, 2022, I wrote a letter to help an 89-year-old client from Highland, Indiana.  He got a bill for $634.90 that he did not deserve. The cause of the bill was the fact that Medicare never sent the claim information to his Medicare supplement insurance company. You can’t blame an insurance company for not paying a bill that it never got from Medicare. With some editing to protect the privacy of our client, here is the letter that I sent to the medical firm that billed our client for $634.90. 

 

Dear Representative, 

Our client sent to our firm a bill from your firm for our review.  The bill seeks a balance of $634.90 on Invoice Number XXXXXX with Client ID Number XXXXXX for services rendered on 10/28/2021.  The statement is dated 02/09/2022 and claims that the bill is past due. 

I phoned the client’s Medicare supplement insurance plan company to learn what it might know about this bill. IT REPORTED THAT MEDICARE NEVER SENT THIS CLAIM TO IT. That is not the fault of the patient or his insurance company.  If your firm filed the claim properly, then it is entirely Medicare’s fault.  This failure of Medicare to send claims information to secondary insurers is a serious and growing problem with the Medicare system. I hope that you want to treat our senior citizen client as fairly as you would want someone in your family treated. 

To fix this problem as fast as possible, please send both the original billing information and the Medicare EOB information that you have for this claim directly to the secondary insurer at the following address: XXXX.           

All the help that I gave this client was FREE OF CHARGE.  This agency helps our clients with such Medicare billing problems AT NO CHARGE to demonstrate that we really do care about our senior citizen clients.  If the insurance agent or agency that you use does not give this high level of customer service, shouldn’t you switch to an insurance agency that does?  Our agency does. 

 

Note: Woodrow Wilcox is the senior medical billing case worker at Senior Care Insurance Services in Merrillville, Indiana.  He has saved clients of that firm over two million dollars.  Also, Wilcox wrote the book SOLVING MEDICARE PROBLEM$ which is available through bookstores and online. 

Written on February 24, 2022 by Woodrow Wilcox