Senior Care Insurance Services

By Woodrow Wilcox

On December 10, 2014, I received a letter from clients in Lowell, Indiana. The clients wanted to know why they received an ambulance bill despite the fact that each of them was covered by Medicare and had bought a Medicare supplement insurance policy through this agency. The ambulance bill was for $721.16.

I checked with the client’s insurance company. It never got a claim for an ambulance ride from Medicare for the date and amount of the bill. That is not the fault of our client and I wanted to protect our client from the financial harm of getting and paying a bill that should have gone to Medicare and the client’s insurance company.

To help our client, I wrote a letter to the ambulance service and sent a copy of the letter to our client. I suspected that the ambulance service had been so busy to provide quick ambulance service that its employees were unable to get the billing information needed to bill Medicare. I commend the ambulance service for caring about getting a patient to a hospital quickly more than it cares about getting billing information. I wanted the ambulance service to get the information that it needed so that it would be paid. But, I could not give it certain information because of the restrictions of a federal law. So, I wrote to the client to contact the ambulance service and provide the information that I could not give it.

I am confident that when the client (or the spouse) provides the needed information, the ambulance service will be able to file the claim and get paid. Our client should owe little or nothing for the ambulance ride after the claim has been processed properly.

All the help that I gave this client was FREE OF CHARGE. The owners, managers, and staff of this insurance agency really do care about our senior citizen clients. We “go the extra mile” to protect them from mistakes in the Medicare system that could cause them financial harm. Does your insurance agency give this high standard of service to its senior citizen clients? If not, why not?

© Woodrow Wilcox 2014