By Woodrow Wilcox

On July 16, 2013, a retired woman who speaks Polish more than English visited our office to get my help with a Medicare Part D (prescription drugs) Late Enrollment Penalty (L.E.P.) which was charged to her wrongfully. The woman lives in Chesterton.

When a senior citizen does not have some kind of prescription drug coverage that meets Medicare standards, the government punishes the senior citizen with a Late Enrollment Penalty (L.E.P.). Similar punishments are in the “Obamacare” law for other misteps.

The language problem (English and Polish) made matters worse. The client responded to the letter from her insurance company which told her of the penalty and asked her to send proof of coverage. She completed and sent the response form. But, the insurance company said that it did not get the response form in time.

So, today, I helped the client file a complaint with Medicare about being unfairly charged a Late Enrollment Penalty when she did not deserve it. While helping the client, the Medicare representative complimented our firm for helping the woman. He noted that we were taking a lot of time and effort to help a senior citizen who spoke Polish better than English. I accepted the compliment and told him that this insurance agency helps all our senior citizen clients because we know that the Medicare system is not perfect and has a lot of problems. We do our best to protect our clients from financial harm when someone in the Medicare system makes a mistake that could cost one of our clients some money.

Does your insurance agency give this high level of service to senior citizen clients? If not, why not?

Note: Woodrow Wilcox is the senior medical bill case worker at Senior Care Insurance Services in Merrillville, Indiana. Wilcox has helped clients of that insurance agency to save over one million dollars by correcting medical bill errors that were caused by mistakes in the Medicare system. Learn about his book SOLVING MEDICARE PROBLEM$ as www.solvingmedicareproblems.com.

© Woodrow Wilcox 2013