On September 22, 2015, I helped a client learn why he was being billed $60 despite having a Medicare supplemental insurance policy through our insurance agency. The client is from Wheatfield, Indiana.
The insurance company is very well known and has television commercials running all the time. For that reason, many seniors ask for a policy with that insurance company. Because of my claims experience with that company, I would rather that our agency not sell its policies.
The client just went to the doctor on three occasions to get a prescription for medicine updated. On each visit, the doctor charged an original fee of $224. In each case, Medicare paid a little over $80 and made the doctor discount the bill a little over $120. In each case, the client / patient had to pay a $20 office visit charge. In each case, the well known insurance company paid less than a dollar.
The client was very upset. He pays a monthly premium of $232. He wondered what he was getting for his money. I’d wonder, too.
The Medicare system is not designed to help senior citizens. It is designed to make lots of money for government bureaucrats, government industry contractors, and other special interests. “Helping seniors” was the publicly stated purpose for designing the system.
Medical bills for people under 65 are designed in a similar way. There is a publicly stated charge and a discount charge. The discount is never given to people who have no insurance except those on Medicaid. One of the chief faults of the “Obamacare” law is that it did nothing to change the system to make medical charges level, fair, transparent, and clear for everyone at the same rate. It simply forced people to buy insurance or get penalized by the I.R.S.
In 2008, Barack Obama promised that he would practice transparency in government. He delivered exactly the opposite by making lots of backroom deals to get Obamacare passed. On June 11, 2012, the Wall Street Journal reported that Obama made a backroom deal with major prescription drug companies to get the Affordable Care Act (ACA) passed. In exchange for those big companies lobbying for “Obamacare”, Obama agreed to special provisions in the law that would enrich the drug companies at the expense of the public.
Why can’t we force doctors, hospitals, and drug companies to charge one honest rate for all their services? Because the dishonest higher stated charges strike fear in the hearts of people and motivate them to buy insurance and ask the government to help pay the bills. Both the insurance companies and the government industry employees and contractors enjoy profit and prosper because of the discounted rates on medical bills which insurance companies and government pay.
Note: Woodrow Wilcox is the senior medical bill case worker at Senior Care Insurance Services in Merrillville, Indiana. He has saved clients of that insurance agency over one million dollars by correcting medical bill errors and mistakes in the Medicare system. He wrote the book SOLVING MEDICARE PROBLEM$.
© 2015 Woodrow Wilcox