Senior Care Insurance Services

12 Ways Sleeping Too Much May Be Linked to Poor Health K. Grossman We all know that a good night’s sleep is essential for good health. The human body needs to rest and rejuvenate. Essential body functions of growth and repair take place during sleep. Without enough rest, energy levels drop, immunity decreases, and mental functions slow. However, although sleep is vital, it is possible to get too much…

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7 Sleep Issues Associated with Heart Disease and 7 Ways to Combat Them K. Grossman If you suffer from heart problems such as congestive heart failure, you may find yourself ensnared in a vicious cycle of fatigue. If your heart is not able to adequately pump the oxygen-rich blood needed to keep you strong and alert, you may find yourself becoming drowsy. Additionally, the effects of heart failure and…

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Medicare's outpatient 'Part B' premium going up to $144.60 RICARDO ALONSO-ZALDIVAR ,Associated Press•November 8, 2019 FILE - In this Nov. 8, 2018, file photo, the U.S. Medicare Handbook is photographed, in Washington. A new study finds that more than half of seriously ill Medicare enrollees _ 53% _ struggle to pay their medical bills. Prescription drugs are the leading problem. The researchers who…

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Lower Your Blood Pressure with These 19 Healthy Foods Gabriela Mungarro High blood pressure can pose serious health problems if left untreated and is one of the most common conditions leading to heart disease and stroke. Blood pressure is defined as the pressure of the blood against the artery walls. Although changes in blood pressure during exercise or stressful moments are normal, the development…

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14 Silent Signs That You Are in Bad Health K. Grossman We often assume that bad health only refers to serious diseases such as cancer, heart disease, stroke, diabetes or kidney ailments. But these are major health afflictions, which are likely to show themselves through major symptoms. More pervasive health challenges, however, come from seemingly minor conditions that do now show severe or intolerable…

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By Woodrow Wilcox On July 2, 2019, I helped a 90 year old client from Merrillville, Indiana. She brought a bill from a local hospital to me to check. The bill was for $729.64. I checked with her Medicare supplement insurance company to learn what it knew about the facts of this bill. Our client had a policy that was supposed to pay for any service that Medicare approved. When I reviewed the facts…

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By Woodrow Wilcox In October 2019, I helped a senior citizen client who was being wrongfully billed by a medical firm in Illinois for $2,683 THAT OUR CLIENT DID NOT OWE. I wrote one letter to the medical firm on October 2 after I made a brief check of the bill. Later, our client brought to me the Medicare Summary Notice forms that pertained to the bill. That allowed me to check the bill completely.…

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9 Signs You May Be Headed for a Heart Attack or Stroke K. Grossman A heart attack can sometimes sneak up on you without warning. Atherosclerosis, or hardening of the arteries, is one condition that may lead to a heart attack. This disease occurs when damage to the inner layer of arteries is caused by conditions such as high blood pressure, high cholesterol, or inflammation. When this happens, fatty…

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By Woodrow Wilcox On June 5, 2019, a client from Cedar Lake visited my office to get help with a medical bill for $2,709.45. I have helped this client on previous occasions. He learned a few things from observing me as I work. He suspected that the bill was caused by a claims coding error. I suspected the same thing. We phoned Medicare together to get the details on why Medicare denied the claim which…

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By Woodrow Wilcox One of our clients brought some bills and a payment demand letter from a collection law firm to our agency’s office in Munster, Indiana. The receptionist at that office is Danielle MacDonald. She read and copied the client’s papers and forwarded the copies to me. The client is from Hobart, Indiana. In a note to me to introduce the papers, Danielle told me what she told…

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