Yikes! Whychat, did I screw up....

[purplecharm]

March of 2007, I had some lab work done. The hospital has been billing me over the past year. I ignored the bills (the old me). Well, about a week ago, I received an initial collection notice for the charges from an attorney. I immediately sent out a DV letter CMRR. The other day, I ran across a bill the hopital sent in April demanding payment for the charges.

 

I called my insurance company and was told that the hopital never sent a bill. The insurance co called the hospital and was told that they did not my have any insurance info for me and that they had been sending me the bills. The insurance co rep told me that the following will happen: the hospital will send Aetna a bill. Aetna will deny the claim (one year to file claim). The insurance company will then "eat" the charges. There is something called "timely filing" and it has to be done within a year.

 

Does this sound right?

 

I just want to make sure that this does not appear on my CR.

 

TIA

Edited June 9, 2008 by purplecharm

[purplecharm]

Whychat?? Anyone??

[Why Chat]

March of 2007, I had some lab work done. The hospital has been billing me over the past year. I ignored the bills (the old me). Well, about a week ago, I received an initial collection notice for the charges from an attorney. I immediately sent out a DV letter CMRR. The other day, I ran across a bill the hopital sent in April demanding payment for the charges.

 

I called my insurance company and was told that the hopital never sent a bill. The insurance co called the hospital and was told that they did not my have any insurance info for me and that they had been sending me the bills. The insurance co rep told me that the following will happen: the hospital will send Aetna a bill. Aetna will deny the claim (one year to file claim). The insurance company will then "eat" the charges. There is something called "timely filing" and it has to be done within a year.

 

Does this sound right?

 

I just want to make sure that this does not appear on my CR.

 

TIA

You are mistaken, the only "eating" will be done by YOU with a collection account on your credit report.

The hospital HAS "written off" the account, i.e. "eaten it" because they have assigned their interest to the CA.

The account has already been assigned/sold to a CA, who has sent you the collection notice.

The DV will be responded to by the CA with an accounting of your bills ( the same ones you ignored)

 

It WILL be on your reports. ( Unless you live in Mass.)

 

You can pay the OC hospital directly with the HIPAA letter insert "a" and POSSIBLY prevent the account from hitting your reports, or if it does, you will be able to dispute it away with the follow up dispute letters.( be SURE to follow ALL the directions EXACTLY, except of course the "pre" HIPAA" medical dispute letter to the CRA's, unless by the time you do this it is already on your reports)

http://whychat.5u.com/hipltr.html

Edited June 11, 2008 by Why Chat

[purplecharm]

March of 2007, I had some lab work done. The hospital has been billing me over the past year. I ignored the bills (the old me). Well, about a week ago, I received an initial collection notice for the charges from an attorney. I immediately sent out a DV letter CMRR. The other day, I ran across a bill the hopital sent in April demanding payment for the charges.

 

I called my insurance company and was told that the hopital never sent a bill. The insurance co called the hospital and was told that they did not my have any insurance info for me and that they had been sending me the bills. The insurance co rep told me that the following will happen: the hospital will send Aetna a bill. Aetna will deny the claim (one year to file claim). The insurance company will then "eat" the charges. There is something called "timely filing" and it has to be done within a year.

 

Does this sound right?

 

I just want to make sure that this does not appear on my CR.

 

TIA

You are mistaken, the only "eating" will be done by YOU with a collection account on your credit report.

The hospital HAS "written off" the account, i.e. "eaten it" because they have assigned their interest to the CA.

The account has already been assigned/sold to a CA, who has sent you the collection notice.

The DV will be responded to by the CA with an accounting of your bills ( the same ones you ignored)

 

It WILL be on your reports. ( Unless you live in Mass.)

 

You can pay the OC hospital directly with the HIPAA letter insert "a" and POSSIBLY prevent the account from hitting your reports, or if it does, you will be able to dispute it away with the follow up dispute letters.( be SURE to follow ALL the directions EXACTLY, except of course the "pre" HIPAA" medical dispute letter to the CRA's, unless by the time you do this it is already on your reports)

http://whychat.5u.com/hipltr.html

 

 

Thanks for responding.

 

The insurance company is the one that said that the hospital would have to eat the charges. I just wanted to get some insight as to whether that sounded right.

 

So, insurance companies can wash their hands of paying out on a claim if they did not receive notice of the claim within a year?

[Why Chat]

March of 2007, I had some lab work done. The hospital has been billing me over the past year. I ignored the bills (the old me). Well, about a week ago, I received an initial collection notice for the charges from an attorney. I immediately sent out a DV letter CMRR. The other day, I ran across a bill the hopital sent in April demanding payment for the charges.

 

I called my insurance company and was told that the hopital never sent a bill. The insurance co called the hospital and was told that they did not my have any insurance info for me and that they had been sending me the bills. The insurance co rep told me that the following will happen: the hospital will send Aetna a bill. Aetna will deny the claim (one year to file claim). The insurance company will then "eat" the charges. There is something called "timely filing" and it has to be done within a year.

 

Does this sound right?

 

I just want to make sure that this does not appear on my CR.

 

TIA

You are mistaken, the only "eating" will be done by YOU with a collection account on your credit report.

The hospital HAS "written off" the account, i.e. "eaten it" because they have assigned their interest to the CA.

The account has already been assigned/sold to a CA, who has sent you the collection notice.

The DV will be responded to by the CA with an accounting of your bills ( the same ones you ignored)

 

It WILL be on your reports. ( Unless you live in Mass.)

 

You can pay the OC hospital directly with the HIPAA letter insert "a" and POSSIBLY prevent the account from hitting your reports, or if it does, you will be able to dispute it away with the follow up dispute letters.( be SURE to follow ALL the directions EXACTLY, except of course the "pre" HIPAA" medical dispute letter to the CRA's, unless by the time you do this it is already on your reports)

http://whychat.5u.com/hipltr.html

 

 

Thanks for responding.

 

The insurance company is the one that said that the hospital would have to eat the charges. I just wanted to get some insight as to whether that sounded right.

 

So, insurance companies can wash their hands of paying out on a claim if they did not receive notice of the claim within a year?YES

[purplecharm]

I guess I really did screw up. Now I am faced with having to pay a bill that would have been covered by my insurance because I ignored the bill, in addition to it possibly going on my CR.

 

Thanks for the info.