By Woodrow Wilcox

A few weeks ago, a client sent two bills to me and asked for help. The bills were from a collection firm in Illinois. The client is from Westville, Indiana.

One strange thing about the bills is that they were for services rendered over three years before the client got the bill. The total of the bills from the collection agency was $9,137.63.

I sent a letter to the bill’s originator. But, the letter came back marked undeliverable because no such party was at that address. Then, I started making phone calls to ask about the surgical center that our client’s doctor used to perform minor surgery on the client. I was trying to find the current location of the originator of the bill so that I could get specific information that I would use to help our client.

Together, the client and I phoned both her insurance company and Medicare. Neither one had any record of the bills being filed as claims with Medicare. So, I phoned the collection firm to ask for particulars on the bills that I could not find. In my second call to the collection firm, I spoke with the president of the firm. He was very pleasant and professional. I explained that no record of the bills being filed with Medicare could be found and that I’d like his help to contact the original biller.

I learned that the owner of the surgical center died and that the relatives realized that they could not run it as well and closed the business. In all that change, mistakes were made. The president of the collection firm listened to me. I explained that if a medical service provider contracts to follow Medicare rules for billing but does not, and enough time passes, then the bill should be considered uncollectable.

I got a promise from the collection firm that the collection would be dropped, that no negative comments would be made to a collection bureau, and that our client could consider the bills to be cancelled.

If I had not helped our senior citizen client, she would have been hounded to pay a bill that she really did not owe. Our client did nothing wrong. The owners of the surgical center made serious mistakes after the passing of the original owner. All I did was protect our client by insisting that Medicare rules be followed.

The help that I gave this client was FREE OF CHARGE. This insurance agency really cares about our senior citizen clients and we prove it by helping them in such matters when something goes wrong in the Medicare system. 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