Neeners medical collection

[Neeners]

I'm new to these boards so please forgive my ignorance!

 

I'm in the process after a couple of REALLY rough years of feeling helpless about credit and debt... not realizing that I could do things like dispute information in my file and actually improve my rating without the help of an attorney or credit repair agency....

 

Anyway, I pulled my three reports recently and was surprised to see a collection item from an agency for a medical bill in the amount of $1000+. I had visited an ER when I broke my foot a few years back, and I was insured at the time. I actually had fantastic insurance and at most my copay should have been about $75. I'd never heard from the hospital OR this collection agency. I called the hospital and was told that they had no insurance information on file, and that they had sent me a bill back in 2004 to an address where I didn't live and they insist that I owe them the money.

 

I tried calling the insurance company I had at the time and now they've split and reorganized and so on and so forth and they have no access to my old insurance information, and I don't have a copy of the card or anything.

 

Do I have any recourse in disputing this items? Is there some kind of loophole in HIPPA or anything I can stand on?

 

ANy advice from anyone who's had success in disputing medical items would be greatly appreciated!

[Why Chat]

I'm new to these boards so please forgive my ignorance!

 

I'm in the process after a couple of REALLY rough years of feeling helpless about credit and debt... not realizing that I could do things like dispute information in my file and actually improve my rating without the help of an attorney or credit repair agency....

 

Anyway, I pulled my three reports recently and was surprised to see a collection item from an agency for a medical bill in the amount of $1000+. I had visited an ER when I broke my foot a few years back, and I was insured at the time. I actually had fantastic insurance and at most my copay should have been about $75. I'd never heard from the hospital OR this collection agency. I called the hospital and was told that they had no insurance information on file, and that they had sent me a bill back in 2004 to an address where I didn't live and they insist that I owe them the money.

 

I tried calling the insurance company I had at the time and now they've split and reorganized and so on and so forth and they have no access to my old insurance information, and I don't have a copy of the card or anything.

 

Do I have any recourse in disputing this items? Is there some kind of loophole in HIPPA or anything I can stand on?

 

ANy advice from anyone who's had success in disputing medical items would be greatly appreciated!

 

 

Your post was moved from the pinned topics to the correct medical forum.

 

Opt out

http://whychat.5u.com/OPTOUTINST.HTML

Delete old addresses if possible

 

Send each CRA where ANY medical accounts are reporting this: ( Follow ALL the directions and list ALL medical accounts AS THEY APPEAR on the CRA report you are disputing)

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

 

Come back to THIS POST with your results and further questions.

[Neeners]

Ok, I went to the PO today and sent off the 1st HIPPA dispute letter to each of the CB's. I'm crossing my fingers! Thans for the advice... will update with my success story!

 

 

I'm new to these boards so please forgive my ignorance!

 

I'm in the process after a couple of REALLY rough years of feeling helpless about credit and debt... not realizing that I could do things like dispute information in my file and actually improve my rating without the help of an attorney or credit repair agency....

 

Anyway, I pulled my three reports recently and was surprised to see a collection item from an agency for a medical bill in the amount of $1000+. I had visited an ER when I broke my foot a few years back, and I was insured at the time. I actually had fantastic insurance and at most my copay should have been about $75. I'd never heard from the hospital OR this collection agency. I called the hospital and was told that they had no insurance information on file, and that they had sent me a bill back in 2004 to an address where I didn't live and they insist that I owe them the money.

 

I tried calling the insurance company I had at the time and now they've split and reorganized and so on and so forth and they have no access to my old insurance information, and I don't have a copy of the card or anything.

 

Do I have any recourse in disputing this items? Is there some kind of loophole in HIPPA or anything I can stand on?

 

ANy advice from anyone who's had success in disputing medical items would be greatly appreciated!

 

 

Your post was moved from the pinned topics to the correct medical forum.

 

Opt out

http://whychat.5u.com/OPTOUTINST.HTML

Delete old addresses if possible

 

Send each CRA where ANY medical accounts are reporting this: ( Follow ALL the directions and list ALL medical accounts AS THEY APPEAR on the CRA report you are disputing)

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

 

Come back to THIS POST with your results and further questions.