In the United States religion exercises but little influence upon the laws and upon the details of public opinion, but it directs the manners of the community, and by regulating domestic life it regulates the State. — Alexis de Tocqueville, Democracy in America, 1835

SOS: Speaking of Seniors - Medicare Part D and Self-Administered Drugs

June 28, 2012   ·   By   ·   0 Comments

drugsThis article refers to the official government publication from the Centers for Medicare and Medicaid Services with the designation CMS Product No. 11333; Revised February 2011. You can find it on the internet here.

Sometimes people ask me why I criticize the Medicare system so much. A better understanding of my frustration with the Medicare system could be reached by just reading this official government document and realizing the extra burdens of time, money, and frustration that the Medicare system places on America’s senior citizens.

Basically, if a senior citizen is classified as an “outpatient” at a hospital in an emergency setting or otherwise, almost all the medicines that the senior citizen takes while in the hospital will not be covered by Medicare. For some of the clients of this insurance agency, this has resulted in hospital medicine bills of over a thousand dollars.

Under current Medicare rules, the senior citizen is supposed to pay the hospital prescription medicine bill first, and then send copies of the bill and the reasons for needing to go to the hospital to the Medicare Part D prescription drug company to get some reimbursement, if any. If a medicine is not on the formulary list of the Part D policy, then the senior citizen must file for an exception. Most senior citizen hospital patients don’t need or want this much paperwork.

So, the federal Medicare system puts a greater burden on senior citizens by forcing them to pay for prescription medicines that they receive when they are in an “outpatient” status in the hospital and then file more and more paperwork to try to get some reimbursement for the money that they spend on those prescription medicines.

In addition to this, hospital personnel have told me that since 2009 U. S. Attorney General Eric Holder has enforced new rules that often require hospitals and doctors to classify senior citizens who stay overnight in a hospital as “outpatients” despite the fact that the patient was in the hospital overnight. This puts more senior citizens under the burdens of the SELF ADMINISTERED DRUGS rule. Because of the rules placed and enforced by Eric Holder and President Obama, the federal government and Medicare Part D policy companies are saving money by not paying for many hospital administered prescription medicines, but millions of senior citizens are paying billions of dollars more to prescription drug companies.

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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 $600,000 in wrongful charges. For more health care articles by Wilcox, visit or © 2012 Woodrow Wilcox. Re-published here with the permission of the author.
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