“If ye love wealth better than liberty, the tranquility of servitude than the animated contest of freedom, go from us in peace. We ask not your counsels or arms. Crouch down and lick the hands which feed you. May your chains sit lightly upon you, and may posterity forget that you were our countrymen!” – Samuel Adams

Woodrow Wilcox

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SOS: Speaking of Seniors – Three Bills in a Month

SOS: Speaking of Seniors - Three Bills in a Month

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.

SOS: Speaking of Seniors – A Very Unusual Report

SOS: Speaking of Seniors - A Very Unusual Report

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.

SOS: Speaking of Seniors – Unhappy With Medicare Part D Penalty

SOS: Speaking of Seniors - Unhappy With Medicare Part D Penalty

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.

The ‘Other’ Candidates

The 'Other' Candidates

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.

SOS: Speaking of Seniors – A Letter is Worth $1,100

SOS: Speaking of Seniors - A Letter is Worth $1,100

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

SOS: Speaking of Seniors – Saving a Thousand Dollars

SOS: Speaking of Seniors - Saving a Thousand Dollars

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.

SOS: Speaking Of Seniors – The Political Pages

SOS: Speaking Of Seniors - The Political Pages

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.

Gov Perdue Floats an Election Suspension Trial Balloon?

Gov Perdue Floats an Election Suspension Trial Balloon?

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.

SOS: Speaking of Seniors – Three Hours for One Client

SOS: Speaking of Seniors - Three Hours for One Client

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.

Democrats Defend the Tea Party

Democrats Defend the Tea Party

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?

SOS: Speaking of Seniors – Medicare Making Piddly Work

SOS: Speaking of Seniors - Medicare Making Piddly Work

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.

SOS: Speaking of Seniors – Medicare Part D Not So Good

SOS: Speaking of Seniors - Medicare Part D Not So Good

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.

SOS: Speaking of Seniors – Practical Advice for VA-Medicare Billing Problems

SOS: Speaking of Seniors - Practical Advice for VA-Medicare Billing Problems

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.

SOS: Speaking of Seniors – Medicare Lagging Behind

SOS: Speaking of Seniors - Medicare Lagging Behind

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.

SOS: Speaking of Seniors – Saving a Client’s Credit

SOS: Speaking of Seniors - Saving a Client's Credit

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.

SOS: Speaking of Seniors – Murky Medicare Mysteries

SOS: Speaking of Seniors - Murky Medicare Mysteries

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?

SOS: Speaking of Seniors – Bills That Have Already Been Paid

SOS: Speaking of Seniors - Bills That Have Already Been Paid

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.

SOS: Speaking of Seniors – Cataloging Medicare Complaints

SOS: Speaking of Seniors - Cataloging Medicare Complaints

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.

SOS: Speaking of Seniors – Angry Daughter Provides an Earful

SOS: Speaking of Seniors - Angry Daughter Provides an Earful

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.

SOS: Speaking of Seniors – Stung by Medicare Mistakes

SOS: Speaking of Seniors - Stung by Medicare Mistakes

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.

SOS: Speaking of Seniors – Medicare Nearly Costs Customer Almost $1,000

SOS: Speaking of Seniors - Medicare Nearly Costs Customer Almost $1,000

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.

SOS: Speaking of Seniors: Pushing Costs Onto Seniors

SOS: Speaking of Seniors: Pushing Costs Onto Seniors

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.

SOS: Speaking of Seniors – $1500 is a Fortune to Most Senior Citizens

SOS: Speaking of Seniors - $1500 is a Fortune to Most Senior Citizens

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.

SOS: Speaking of Seniors – Helping the Veterans

SOS: Speaking of Seniors - Helping the Veterans

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.

SOS: Speaking of Seniors – ObamaCare Hurting Seniors

SOS: Speaking of Seniors - ObamaCare Hurting Seniors

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.