SOS: Speaking of Seniors – Saving $800

On April 10, 2012, I received a note and medical bill from a senior citizen client of this insurance agency. The 81-year-old woman is from Hammond, Indiana.

Her note said in part, ”I never pay anything for my medical procedures. I already met my Medicare deductible for 2012. Can you help me with this bill for $790.99?”

I contacted our client’s Medicare supplement insurance company to learn what it knew of the bill. It reported that Medicare never sent the claim to it. That is not our client’s fault and our client should not be pressured to pay a bill when Medicare fails to forward a claim to an insurance company. This happens very often. I do my best to protect our clients from this repeating error of Medicare.

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To help our client, I wrote to the medical service that sent the bill. I explained the situation and asked them to send certain essential information about the claim directly to the client’s insurance company. When that is done, I am confident that the claim will be paid according to the terms of the policy that our client bought through this insurance agency.

The help that I gave this client was FREE OF CHARGE. The owners and managers of this insurance agency really do care about helping our senior citizen clients with problems in the Medicare system when they arise. Does your insurance agent provide the same high level of service to senior citizens? If not, why not?

This article is printed with the permission of the author(s). Opinions expressed herein are the sole responsibility of the article’s author(s), or of the person(s) or organization(s) quoted therein, and do not necessarily represent those of American Clarion or Dakota Voice LLC.

Woodrow Wilcox


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Woodrow Wilcox is the senior medical bill problem solver at Senior Care Insurance Services in Merrillville, Indiana. That is the largest senior citizen oriented insurance agency in the Midwest. For over six years, Woodrow Wilcox has helped senior citizens with medical bill problems with Medicare and VA clinics. He has saved senior citizens over $1 million in wrongful charges. For more health care articles by Wilcox, visit or © 2013 Woodrow Wilcox. Re-published here with the permission of the author.
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