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Three different times in one month a client came to me for help with Medicare related medical bill problems. The amounts were small, medium, and large. It doesn’t matter. He was our client. We know that the Medicare system is not perfect. When mistakes happen and problems occur, we do our best to protect our senior citizen clients from financial harm.
An elderly couple brought some papers to our office and asked me what the papers meant. The couple brought three Medicare Summary Notice forms to me. They told me that they never had gotten Medicare Summary Notices until now. They should have been getting these forms since 1992 – almost twenty years ago – when the husband first went on Medicare. Sometimes it’s hard to know what to expect from our government–and that’s often the problem.
I recently received a letter from a woman complaining of Medicare Part D and its required penalties for late enrollers. After many years as a medical bill troubleshooter, personally, I have concluded that the Medicare system never was established to help senior citizens. Instead, I believe that it was established to enrich government contractors–including government employees.
What about the other candidates for President of the United States? “What other candidates?” you might ask.The many candidates who are not being invited to give their ideas to the media or participate in debates are the ones to which I refer. I’m not talking about independent candidates or candidates who belong to smaller political parties. I’m talking about Democrats and Republicans who are running for President, but few people know of them.
When Medicare, insurance companies and health care providers have breakdowns in communications, it can be very costly, time consuming and frustrating for senior customers. Medicare mistakes may cost senior citizens over $1 billion a year
An elderly woman brought two unpaid bills to our office which totaled 1, 78.18. She wanted to know why Medicare and her Medicare supplement insurance policy had not paid these bills. I ended up saving her over $1,000. The service that I gave to this client was provided FREE OF CHARGE.
If you are a senior citizen who is thinking about running for political office, but you don’t know whom to contact for help to do it right and avoid complications, let me tell you about a great resource: The Political Pages.
Recently, North Carolina Governor Bev Perdue told a civic group that a solution to the nation’s jobs crisis would be to suspend congressional elections. Two days later, she claimed that she was being sarcastic. I don’t believe her. I believe that she was sending aloft a trial balloon for Obama. Recently, Obama said that unemployment and the economy were a “national crisis”. I suspect that Obama wanted to test the waters for claiming a crisis to postpone or cancel the general election of 2012.
Medicare mistakes and mishaps can be all too common in our complicated health care system. Sometimes it becomes necessary for insurance companies, caught in the middle, to spend many hours untangling problems and getting their clients some peace of mind.
You’ve probably heard it said on the Left that “all the Republican candidates worship at the altar of the Tea Party,” or something like that. But did you know that the Tea Party is a collection of citizens from all backgrounds that don’t like elected or appointed government officials who over tax, over spend, and over regulate to the point of strangulating our economy, our freedoms, and our lives. Did you know that there are Tea Party Democrats–and did you know they are letting the chair of the DNC know they aren’t happy with the Tea Party-bashing?
Don’t be upset with your doctor, hospital, laboratory, or insurance company if you get a newly recalculated bill for medical services received sometime from January through May in 2010. Blame it on Uncle Screw-Up, er, uh, I mean Uncle Sam and the Obama administration’s management team at Medicare.
Medicare Part D, the prescription drug program that was made law in 2003, is not so great. Enormous amounts of publicity, news articles, and claims were made that this would help senior citizens with prescription drug care costs. But, when it first went into effect, our office had dozens of senior citizen clients claiming that they were paying more for prescription drugs under the new law than before the law.
Fixing a problem among the Veterans Administration, the Medicare system, and an insurance company to make sure that the VA, Medicare, and the Medicare supplement insurance policy all pay the correct amount on a medical bill is an ordeal. There is a much easier way: Ask a Congressman or Senator to help. Members of Congress and the U.S. Senate can get the cooperation of the VA and Medicare systems to correct a medical billing error. They have the power to fix these problems, and if there is systemic failure, they need to know about it.
An elderly woman sent bills to our office and asked why the bills were not paid by Medicare and her Medicare supplement insurance policy. I reviewed the bills and phoned the client’s insurance company to ask questions about the unpaid bills. The insurance company had no claims regarding this client for the entire year. That means that Medicare failed to send any claims to the insurance company for the entire first half of 2011.
Some politicians in Washington are blindly defending the Medicare system. It should not be defended. It should be overhauled. That’s my opinion. I believe that my opinion on this should count heavily. After all, for over eight years, I have been working with the system and seeing how it cheats senior citizens by feeding them to collection agencies and collections attorneys for bills that they really don’t owe.
I was surprised by a Medicare ruling on a bill to a senior citizen client. In over eight years of helping senior citizens with Medicare related medical bills, I never encountered a Medicare ruling like the one that is described in this article. How can a person be both an “inpatient” and an “outpatient” at the same time?
The Medicare system is far from perfect. Some insurance agencies provide extra service to their clients to help protect them from harm when something goes wrong in the Medicare system. Those errors can cost customers hundreds or thousands of dollars, as well as countless hours of frustration.
For over eight years, I have helped senior citizens to cancel wrongful medical charges that were caused by problems with the Medicare system. I have saved the clients of just one insurance agency in Indiana over one million dollars by cancelling or correcting wrongful medical claims. I have many complaints about the Medicare system. Briefly stated, here are just a few.
On the morning of June 29, 2011, I received a fax which was a copy of a payment demand later from a bill collection law firm regarding an $1100 bill to one of our clients. On the fax was a handwritten note which said, “Supplemental insurance is supposed to pay for this!” The bill was for a client who is an elderly woman. The note was not signed. I tracked and contacted the sender by calling the firm from which the fax was sent. I learned that the fax was sent by the angry daughter of one of our clients. I got an earful from the angry daughter. It was a lovely way to start my day.
An elderly woman with a bee sting went on to also be stung by several mistakes made by Medicare. Without help, it can be difficult for the average person to figure out what is wrong and navigate through the maze of bureaucracy that is government managed health care.
There are many problems with the Medicare system. There needs to be a major overhaul of the Medicare and Medicaid systems. President Obama, Senator Harry Reid, and their political allies are “trashing” the proposal of Congressman Paul Ryan, but offering no alternative plan. Let me remind you that the “Obamacare” law robbed senior citizens on Medicare of half a trillion dollars in future Medicare benefits.
I have a good track record of helping senior citizens by spotting problems with Medicare related medical bills, writing letters to correct the problems, and saving money for our senior citizen clients. In October 2010, I passed the one million dollar mark. But, I can’t fix a problem that is caused by a bad government policy.
Frequently when there are issues with a senior’s medical bill, there is a common cause. The patient did not cause this problem. The hospital did not cause this problem. The insurance company did not cause this problem. The federal Medicare system caused the problem.
Last year, a senior citizen woman who was a client brought her grandson to our agency for health insurance. The young man was in his twenties and had served our country in Afghanistan. His TRICARE coverage ended in late 2010. Carol Quaglia was able to help the man get a short term health insurance policy that lasted six months. He had trouble getting health care because he was still under medication for post traumatic stress disorder from his service in Afghanistan.
A senior troubleshooter with an insurance agency says ObamaCare is already causing problems for seniors with health care providers passing the buck and leaving seniors stuck with bills. He has noticed this particular problem only in the wake of ObamaCare which reallocates massive amounts of money from Medicare to ObamaCare.