SOS: Speaking of Seniors - Is it Free or Not Under ObamaCare?

A new client asked us for help with a bill that he got under Obamacare before he became a client of our agency. We helped him. The client is from the Miller Beach area of Gary, Indiana.

The client had been careful to read the details of the Obamacare “On Exchange” plan from an insurance company. He learned that certain “preventative services” were free under the plan. So, he got the Obamacare plan and then went to a local hospital for preventative services that he thought would be free. The surprise he got almost made him sick.

He got a bill for what he thought the Obamacare “On Exchange” policy would cover for free. He brought the evidence to our office. We helped him to file a complaint with the Indiana Attorney General. The Attorney General forwarded the complaint to the Indiana Department of Insurance. The Indiana Department of Insurance questioned the insurance company that issued the policy.

The answer of the insurance company for the failure of the Obamacare “On Exchange” policy to cover “preventative” services was very clear and to the point. The hospital was using wrong codes and notes for services rendered which classified the services as NOT PREVENTATIVE. Since the services were not preventative, the services were not covered by the “preventative services” promises of the insurance policy.

In fact, the hospital refiled several times changing the codes and descriptions. But, the hospital personnel never filed the claim with the correct wording and coding. So, our client got stuck with a bill for $611.14.

I suggested to the client that he take all the papers to the hospital billing department and ask them to either file the claim correctly so that the filing would comply with the “preventative services” rules of the Obamacare policy or compromise and discount the bill so that he could pay a reduced amount and be done with it. I believe that the client was disappointed with his Obamacare policy, but not disappointed with all the work that our agency did to help him with a problem that happened before he became our client.

This case was very difficult because the client did not buy the problem policy through this agency. Therefore, I helped him by listening to him, reading the documents, and typing letters for him to sign because I could do no more than that.

In this case, the Obamacare “On Exchange” policy did not help the patient. It hurt the patient financially.

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.

Comment Rules: Please confine comments to salient ones that add to the topic; Profanity is not allowed and will be deleted; Spam, copied statements and other material not comprised of the reader’s own opinion will be deleted.

Similar Posts:

• SOS: Speaking of Seniors – Saved Whiting Woman Money
• SOS: Speaking of Seniors – A ‘Keystone Cops’ Claim System
• SOS: Speaking of Seniors – Helping a Griffith Client
• SOS: Speaking of Seniors – Saved a Disabled Client Over $1,000
• SOS: Speaking of Seniors – Correcting Hospital Bills

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 www.medicareproblems.net or www.woodrowwilcox.com. © 2013 Woodrow Wilcox. Re-published here with the permission of the author.

Woodrow Wilcox

View all articles by Woodrow Wilcox