Senior Care Insurance Services

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 the client.…

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12 Medical Conditions That Can Kill You Quickly K. Grossman Sometimes illness or disease gradually sneaks up on you. A twinge here, an ache there. What begins as an irritation can lead to the realization that something is wrong and medical attention is needed. Usually, there is plenty of time to seek medical attention, obtain a diagnosis, and begin treatment. However, there are other medical conditions…

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By Woodrow Wilcox On May 30, 2019, I received mail which confirmed that I had saved a client from Wheatfield $232 by catching a mistake on a medical bill. Our client went to a doctor who ordered some laboratory work. The laboratory filed a claim with Medicare without giving information that justified the service medically. You can’t just ask Medicare to pay for a service that you want. You must have…

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