medical collection from 2011

[DCole3g]

Hi, last week I received a letter from a collection agency stating that I owe the hospital, which I DO. Why chat I need to know which step do I need to take first to prevent this from being reported. The hospital stated that my insurance wasn't effective at the time of service. Please help. I'm getting ready to buy a home and this will kill it, especially since I already have 3/4 medical collections reporting that I've paid and would like to have removed as well. Somebody please!!!

[Why Chat]

Follow all these steps:

http://www.whychat.5u.com/GUIDEBOOK.html

 

You will be using the HIPAA letter program:

 

http://www.whychat.5u.com/GUIDE%20HIPAA%20PROGRAM.html

 

When you send the initial dispute letter to the CRAs, include ALL medical accounts paid or unpaid as they appear on the report you are disputing.

 

Once you have results from the initial dispute letters, come back to this post for added steps and assistance. Tell us the dates of medical service on any accounts that were not deleted with the initial dispute letter.

 

If the collection letter you received is from a CA for an account that is not yet reporting, and the date of service was in 2011, and you have received bills from the health care provider that match the claim, then send the CA this:

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

 

If the CA responds with complete data that matches your records, then you can pay the OC health Care provider with the HIPAA letter insert "a"

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

Edited February 25, 2013 by Why Chat

[DCole3g]

Thanks I am on it and will update you accordingly.

[DCole3g]

I sent the CMRR to the CA asking for validation of the account and have not heard anything from them via mail, however they did try and call me. If they CA does not respond to my letter and reports it to the CRA anyways, what is going to be my next step? I also sent my dispute letter off CM to the CRA about the collection accounts that are reporting paid. I'm just waiting to hear back from them.

[Why Chat]

I sent the CMRR to the CA asking for validation of the account and have not heard anything from them via mail, however they did try and call me. If they CA does not respond to my letter and reports it to the CRA anyways, what is going to be my next step? I also sent my dispute letter off CM to the CRA about the collection accounts that are reporting paid. I'm just waiting to hear back from them.

The medical DV contains a total cease and desist and a notice that telephone calls will be taped. If they call again, tell them they are being reported to your State and County law enforcement for violation of the cease and desist and that the call has been recorded.

[DCole3g]

I just received a letter from the CA stating that they received my letter and that they contacted the hospital about the details of the account. The CA said that the hospital will mail me the details of my account. The CA stated that once I receive and review the documents to call or write the results of my investigation. CA marked my account in dispute. Also said if I don't respond by Apri

15th that they would report collection to CRA. So WhyChat, what's my next move?

[Why Chat]

As I said before--

 

 

If the CA responds with complete data that matches your records, then
you can pay the OC health Care provider with the HIPAA letter insert
"a"

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

 

I believe the response from the CA is sufficient proof of a current relationship.

[DCole3g]

OK

[DCole3g]

Here is the latest update: I received verification from the CRA for the medical accounts that are reporting paid and I am sending off the letters to the CA stating the the information is being disputed. How long do I need to wait from the time I receive my green slip that the CA got the letter until I send off the follow-up up letter to the CRA? Also I am trying to figure out the fee schedule so that I can try and reduce my $2200 bill that I have to pay the OC by April 15th. Hopefully I can get it to at least half of that otherwise I will probably just have to suck it up and take a hit on my CR because I cannot afford to pay the $2200 all at once.

[Why Chat]

You send the follow up dispute as soon as you have the proof of receipt of the medical DV by the CA.

 

Check the fee schedules for your procedures here:

 

http://www.cms.gov/Research-Statistics-Data-and-Systems/Research/HealthCareConInit/index.html?redirect=/HealthCareConInit/

 

( this link is found in insert "a" in the HIPAA letter program)

[DCole3g]

Ok thanks