By Woodrow Wilcox

It took work over a few months, but I finally got a hospital in Illinois to admit that our client who lives in Munster DOES NOT OWE A BALANCE. I asked and the hospital agreed to send a statement to the client which shows zero balance owed.

About eight weeks before our phone call to the hospital on February 7, our client got a bill and asked me to check it for her. When I checked with the Medicare supplement insurance company that she uses, it reported that Medicare never sent to it the claims which caused the balance due for our client.

I mailed and faxed a letter to the hospital to explain this and ask the hospital to send certain essential information about the claims directly to the insurance company. When the hospital reviewed the problem bill and did what I asked, the bill went away. So, my work saved the client $206.49.

The Medicare system breaks down hundreds of times per day. The government bureaucrats and government contractors don’t want to admit that. But, it does. That is what happened to our client in this case. Medicare failed to send the claim information to her insurance company. You can’t blame an insurance company for not paying a bill when Medicare failed to deliver the claim.

For almost 14 years, I have helped the senior citizen clients of the insurance agency where I work. Helping to protect our clients from financial harm caused by mistakes or fraud in the Medicare system is one way that we give extra value to our clients which very few other insurance agencies give.

Note: Woodrow Wilcox works at Senior Care Insurance Services in Merrillville, Indiana. He has saved senior citizen clients well over one million dollars by catching and fighting mistakes or fraud. He wrote the book SOLVING MEDICARE PROBLEM$ ( and posts articles at

© Woodrow Wilcox 2017