2 medical bills: 5/5 regular bill, 5/6 looks like collection but is it?

[marie90808]

My husband broke his hip and had an ambulance bill on 3/2/13. The bills look like this:

 

Oct 5: description of services and bill for $457. (normal medical bill). Name of provider & out of state PO Box.

 

Oct 6: change to an invoice #. Language on bottom as follows:

 

NOTICE; Delinquent accounts may be reported to a national credit reporting agency. Information reported to the credit bureaus can remain on your credit file for a period if Seven (7) years.

 

This is an attempt to collect a debt and any information obtained will be used for this purpose.

 

I am new to CB. What are my rights on this? The return address (from) is similar (same PO Box #) but the paying address is different but have the same original creditor's name.

 

I filed an appeal with the insurance company since I was told the ambulance service contracts with my insurance (would pay 100%) but PPO insurance states the ambulance company is not under contract with the PPO.

 

My husband's credit scores are close to 800 so he does not want to pay the bill but wants to keep his high FICO's.

 

Bottom line: What rights does my husband have concerning this bill? What language needs to be on the bill in order to dispute the bill, if any?

 

Thank you.

 

 

[Why Chat]

If it was an emergency, which it must have been if he needed an ambulance, then your policy should waive the "out of contract" clause.

 

Get a written statement from your insurance as to why the bill wasn't paid.

 

It is POSSIBLE that what you are seeing is a "before discount" charge. The service is required to accept the discounted fees from your insurance.