By Woodrow Wilcox

On November 29, 2016, I helped an 84 year old client save $3,710. The client is from Hobart, Indiana.

He brought a bill that he had received from a local medical clinic. The bill said that he owed $3,710 – now.

I checked with his Medicare supplement insurance company to learn what it knew of the bill. It reported that a claim for $4,049 was filed but that Medicare refused to cover $3,710 of the claim.

So, I had our client join me in my office so that we could phone Medicare together. I told the client that I suspected that we would learn that the local medical clinic had filed the claim for $3,710 incorrectly. If a claim is filed incorrectly, Medicare automatically refuses to cover it.

In our conversation with the Medicare representative, we learned that I was correct. The claim was filed incorrectly. I asked for the written proof of that to be sent to our client. He will bring that to me to copy when he gets it.

I wrote a letter to the local medical clinic to inform them of the mistake and tell them what they needed to do to fix the problem so that the claim could be accepted and processed by Medicare. I helped our client, but in a way, I helped the medical clinic, too.

This kind of mistake happens all over the country on a daily basis. If no one helps the senior citizen to find and fix the problem, the senior citizen on Medicare is hounded until a bill that is not really owed is paid by the innocent senior citizen. How sad. In past articles, I have given my estimate that mistakes in the Medicare system cost senior citizens throughout our country over one billion dollars a year in false medical bills. Fortunately, I was able to protect our client from the $3,710 mistake.

All the help that I gave this client was FREE OF CHARGE. The owners, managers, and staff of our insurance agency really do care about our senior citizen clients. We “go the extra mile” to protect our senior clients from such problems. 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