My first issue with their validation is that the itemized statements are only itemized to a point. By this I mean that it lists all alleged services rendered and their cost, but when it gets to payment info it is a handwritten note in the margin that basically says "Ins. Pd- $XX.XX Ins. Discount- $XX.XX Balance-$XXX.XX" Is this acceptable? How do I know insurance didn't pay more then whoever wrote this in is claiming? They are the ones that have to provide this info, correct? Realistically, they could claim insurance only covered $50.00 on a $1,000.00 debt and I'm responsible for the difference if I go by some handwritten notations in the margin. Wouldn't an actual statement include a payment, and possibly the check # they were paid with? Is there anything else that would or should be on a complete statement?
My next issue with their validation is that they are not addressing the proper person at times. Let me explain. There are a total of 10 debts that they are putting together. I reqeuested validation on all of them. they attempted validation on all of them. Some are addressed to my wife and I both, some to just her, and some to just me. I am the only provider therefore insurance is provided by me. I would be the guarantor. We have on bill addressed to DW for my daughter. DW would not be liable then, correct? I have another debt for daughter with a bad debt writeoff of $20, an insurance writeoff of $4.00, and a total account balance of 0.00. Patient amount due now:0.00. They claim I owe them (the CA) $20 for that one.
All of the other debts are for DW, except 2. One I don't recognize as it is an ER visit and I don't recall going to the ER in the past few years as I rarely even go to the DR. They have failed to prove to me that this is a debt incurred by me. Should I request further validation, such as an admissions slip signed by me for the date on the statement? This debt also lists my wife as liable even though I am the alleged patient, as well as the guarantor. She can't be held accountable, correct? My other bill where I am listed as patient does the same, lists her as liable, even though I was again both patient and guarantor.
Any help would be appreciated.
I could use help putting together a 2nd DV letter If that should be my next step.
Edited by superfreak1, 28 September 2005 - 09:35 PM.