SOS: Speaking of Seniors - No Record Found

On March 7, 2017, I helped a senior citizen client from Portage, Indiana. She visited my office with bills for me to check.

With our client in the office, I phoned Medicare. To our surprise, the medical biller never filed one of the claims with Medicare. The medical biller was telling the senior citizen to pay $433.50 without first filing the claim with Medicare. That’s a violation of Medicare rules.

Because the claim was not filed properly, neither Medicare nor our client’s Medicare supplement insurance policy had any chance to review and pay their portions of the claim. If this was caused by a mistake, it was a serious mistake. If this was caused by fraud, the intent was to “shake down” a senior citizen for more money than the Medicare system allows.

I wrote a letter to the medical service provider and told its staff what we had discovered. I asked them to do the right and honorable thing and file the claim with Medicare and stop seeking $433.50 from our client.

All the help that I gave this client was FREE OF CHARGE. The owners, managers, and staff of this insurance agency really do care about our senior citizen clients. We prove it by “going the extra mile” to protect them from financial harm when the Medicare system breaks down. Does your insurance agent or agency give this high level of service to senior citizen clients? If not, maybe you should switch to an insurance agency that does.

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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