By Woodrow Wilcox

On October 31, 2016, a client from Crown Point brought me copies of letters that he had received regarding an insurance billing problem that I had helped him to correct.

About a month earlier, I spent a few hours with the client to learn why he was being billed for two Medicare related health insurance policies at the same time from one insurance company. Let me make it clear that our insurance agency did not make a mistake and cause the problem. The insurance company made the mistake and caused the problem. The client was paying for both a Medicare supplement insurance policy and a Medicare advantage policy. You can’t have both at the same time.

When we complained to the insurance company directly, it did not want to admit the mistake. So, I helped our client file a complaint with the Consumer Protection Division of the Indiana Attorney General. That got results.

The client had to decide which policy he wanted to keep. We explained his options and let him decide. There was no perfect solution. He made his choice and got a refund from the insurance company of $5,944.74.

On Halloween Day, the client stopped by my office to give me copies of the letters showing that he was getting a big refund. He thanked me and our agency for working so hard to make sure that he was treated fairly. He told me that after he left my office, he was going to fly to Mississippi to stay there for about a month. Why can’t I have his kind of luck?

All the help that I gave this client was FREE OF CHARGE. This insurance agency distinguishes itself by “going the extra mile” to help our clients whenever the Medicare related insurance system breaks down and threatens to cause financial problems for our clients. Does your insurance agent or 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. He has saved clients of that insurance agency over one million dollars by fighting mistakes and fraud in the Medicare system. He wrote the book SOLVING MEDICARE PROBLEM$ and posts articles at

© Woodrow Wilcox 2016