The first and governing maxim in the interpretation of a statute is to discover the meaning of those who made it. — James Wilson, signer of the Declaration, member of the Continental Congress, constructor of the Constitution, one of the original Supreme Court justices appointed by President George Washington., Of the Study of Law in the United States Circa, 1790


SOS: Speaking of Seniors - Medicare Polices and Forms Hurting Seniors

December 31, 2013   ·   By   ·   0 Comments

medical_formsAn elderly woman who is a client of this insurance agency phoned me to ask for help. She is from my hometown of Griffith, Indiana.

She told me that she got a big medical bill which she could not afford. She is barely making it financially. She said that her home needed two items replaced or repaired at a cost of over $3,000 and that she could not afford that. Then, a hospital bill for over $1,500 arrived.

I asked her if she could make copies of the medical bill and send it to me. Also, I wanted to see the Medicare Summary Notice that the federal government sent her and some other papers from her insurance company.

She explained that she had no way to leave her home, make the copies and send them to me. She had no transportation and was ill. About a week before Christmas, I visited her home and she gave me the bill and other items that I wanted. It was one of the few times that I have gone to a client’s home to get papers to work on a bill. It was not easy for me because I am handicapped.

When I got the papers back to the office and studied them, I realized two things. First, the federal government policy of not helping seniors to pay for self-administered drugs (“S.A.D”) when a senior is in the hospital caused the bill to our client. In previous articles, I have explained how this new government policy has hurt senior citizens since the rules were changed in 2009 by the Obama administration. The second thing that I learned was that Medicare had changed its forms to reveal less to the patient about the self-administered drugs. I believe this was an intentional change to make researching and challenging S. A. D. charges more difficult for senior citizens and those who help them with medical bills.

In my opinion, both the “S.A.D.” charges and the lack of information on Medicare Summary Notice (M.S.N.) forms are deliberate policies of the federal government to hurt senior citizens. Isn’t that terrible?

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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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