i hate to ask this again, but i still just don't understand it

[matty8199]

i have a few questions and things that i still can't figure out about the hipaa process...

 

when i have a collection on my report that is not medical, i can negotiate with the OC directly, pay them directly (if the account has only been assigned and not sold) and have them pull the collection back from the CA and as such have it removed. i have done this with another collection that is on my report, so i know it is possible.

 

my question is - what is it about a medical collection that makes this any different? if i talk directly to the OC, find that the CA on my report is the one that they have assigned it to, and have it in writing that paying them will cause them to pull it back from the CA and require them to remove it from my report...why is this not acceptable for a medical collection?

 

i have had whychat and others talk about "establishing a working relationship between the OC and CA" or something of that sort, and i understand how the initial hipaa dispute letter does that (in waiting for an accurate reporting from the CA as to the balance due and all) - but i can't for the life of me figure out how talking to the OC directly doesn't accomplish the same goal...

 

i have followed the process before and netted two deletions out of it late last year - but i still just don't understand how or why the process works.

Edited July 27, 2009 by matty8199

[matty8199]

bump

[Why Chat]

i have a few questions and things that i still can't figure out about the hipaa process...

 

when i have a collection on my report that is not medical, i can negotiate with the OC directly, pay them directly (if the account has only been assigned and not sold) and have them pull the collection back from the CA and as such have it removed. i have done this with another collection that is on my report, so i know it is possible.

 

my question is - what is it about a medical collection that makes this any different? if i talk directly to the OC, find that the CA on my report is the one that they have assigned it to, and have it in writing that paying them will cause them to pull it back from the CA and require them to remove it from my report...why is this not acceptable for a medical collection?

 

i have had whychat and others talk about "establishing a working relationship between the OC and CA" or something of that sort, and i understand how the initial hipaa dispute letter does that (in waiting for an accurate reporting from the CA as to the balance due and all) - but i can't for the life of me figure out how talking to the OC directly doesn't accomplish the same goal...

 

i have followed the process before and netted two deletions out of it late last year - but i still just don't understand how or why the process works.

 

Yes, it is POSSIBLE if the account is fairly new and has been assigned, not sold, to make those arrangements and have the account completely deleted from your reports, it is just not PROBABLE.

 

You were lucky in your dealings with any non medical OC to have been able to do this on any account and not have it reported as a "paid" collection.

 

Unfortunately, MOST accounts, both medical and non medical are SOLD, ( and resold) . Plus in many cases the medical account shouldn't even be reporting at all as it had been paid by insurance. Additionally, just as with non medical accounts there are a LOT of accounts being reported where the reporting CA has NEVER had contact with the OC but obtained the account from another CA or a data miner.