So my wife has some collection accounts (two for $108) that she her insurance was supposed to pay about 3 years ago. I'm tired of dealing with the insurance company beacuse they say that they won't pay. When I contacted the OC, they said that they wouldn't give me any information that I must speak to the CA. I was asking for a statement with the dates that services were incurred, dates that bills were mailed (since we didn't receive any), and any outstanding balance so that I could use the HIPPA letter and send a cert. check to the OC. Should I just send them a cert. check in the amount that is listed on the credit report? And should I send it to the CA and make sure to put my complete name, OC's name as payee, and for deposit only info on the back?

nobody has any idea?

If the account is listed on her credit reports, the CORRECT way to use the HIPAA letter program is to FIRST ( after opting out) send the medical dispute letter to the CRA. ( AND STAY OFF THE PHONE)

If the account is verified, so that you can be SURE that the amount is correct and that the CA who is reporting is the SAME CA the account was assigned to, and after checking with the insurance Co. to see what was paid and/or claimed, you can THEN pay the OC with the HIPAA letter insert "a". Be SURE to follow the directions COMPLETELY.