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  1. Just send the HIPAA letter to the actual address of the provider, NOT to their billing service. Do not attach anything extraneous turn the MO in to wherever you obtained it and get one made to the OC. If it is already made to the OC then resend it with the HIPAA letter to the correct address. If you have further problems with them file a complaint with the BBB and the State https://www.bbb.org/us/fl/fort-lauderdale/profile/medical-billing/sheridan-healthcare-inc-0633-30006540
  2. How exactly did you send the MO to NICU?? Did you follow ALL the same instructions as to the hospital? https://whychat.me/hipltr.html Did you include ALL the phrases in the cover letter??
  3. If they call- tell them the call is being recorded for the purpose of filing against them for violations of your civil rights, as you have sent a written request for all communications be in writing only. Request the name of the person calling.
  4. Was it only verified on Experian?? What was your response from Eq and TU? Wait for a response from them before doing anything else. It is possible that because your recent online dispute was in the Ex computer system ( and you may get the same response from Eq and TU because of that) that your written dispute got kicked out. Follow the guides; If you sent them the initial dispute letter after opting out and deleting old addresses; https://whychat.me/hipaadisp.html and you say they verified it within 3 days of receiving it?? then the next step is to send the reporting CA the medical dv one letter for each of the CRAs it is still reporting to in the same priority mail envelope; https://whychat.me/ltrcavalhipaa.html and send the CRAs the follow up dispute https://whychat.me/ltrcavalhipaa.html#DISPUTE Send each CRA a copy of "their" letter together with a copy of the proof of receipt.
  5. How long ago is " a couple of years " date of service?? Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html after you have opted out and deleted old addresses ( as much as possible) send the initial dispute letter from the guide to each CRA https://whychat.me/hipaadisp.html List ALL medical accounts exactly as they appear on the report you are disputing. Come back to this post with the results and for further instructions.
  6. I suggest you send them priority mail with a tracking # NOT certified or with a signature required. CAs generally do not like to pick up mail that requires signatures especially from PO boxes https://whychat.me/GUIDEBOOK.html Here is how to send priority mail letters: Go to the PO and get a dozen flat rate priority mail envelopes (6X10 is the easiest to use) You can either buy them prepaid with the postage ( $6.45) or buy the priority mail stamps separately. Get a stack (they come in a book) of FREE USPS tracking forms. Whenever you send a letter, affix your copy of each receipt to the hard copy of the letter you have sent. You will, of course, be entering that PM tracking # in the heading of each letter.
  7. Does your relative have any insurance?? Did he sign into the first facility with his insurance information?? In general--these "bills" are likely auto generated and not valid. If his insurance pays what the usual and normal rate would be he will likely be left with little or no liability for either one of these emergency care facilities. What was the reason the first facility gave for not treating him?? If, on the other hand, he has NO insurance, then he should contact the first facility and ask for an itemized bill with the name of the treating doctor(s) and the reason they referred him to the second facility and apply for indigent care.
  8. Yes go ahead and dispute the accounts to the CAs as you described. DO NOT SIGN THE LETTERS!! Print or type your signature. If you sign you are providing them with HIPAA authorization.
  9. You can thank me by scrolling to the bottom of my website and contributing to one of those charities
  10. Is it only reporting to Eq.?? If so, yes, send the dispute letter to Eq. You have not been contacted by the Dr.'s office so you don't know at this point HOW the CA wound up with the account. It MAY have been a billing error, but it is more likely that it is careless handling of accounts by the Dr.'s office that allow paid or invalid accounts to wind up with a CA. If it is not deleted by Eq. then your next step would be a medical DV to the CA as described in the HIPAA program guide. https://whychat.me/ltrcavalhipaa.html https://whychat.me/GUIDE HIPAA PROGRAM.html and then the follow up dispute to Eq https://whychat.me/ltrcavalhipaa.html#DISPUTE I know this seems like a lot of effort but if you don't get it completely cleared up it ( and other erroneous accounts) may pop up on your wife's reports once you start mortgage shopping. These CAs thrive on extorting $$ from their victims from invalid account reporting when they are getting ready to close on a home purchase.
  11. Follow the guides; https://whychat.me/GUIDEBOOK.html It is URGENT that both you and your wife OPT OUT before applying for a mortgage. This will help prevent your reports from being POISONED by JDBs ( junk debt buyers) who get SOLD your data by the CRAs and will report old/invalid and/or accounts with a similar name to your reports. Yes, get the EOMB ( explanation of medical benefits) from your wife's WC case worker. Send each CRA where this account is reporting this; https://whychat.me/hipaadisp.html from the HIPAA program guide https://whychat.me/GUIDE HIPAA PROGRAM.html you are NOT disputing the validity of the account-- only the validity of the right of the reporting CA. This account may have been mistakenly placed by the OC ( that is what your EOMB will tell you) may have been obtained by the CA in a "data dump" from the OC ( original creditor health care provider) or may be actually still owed by your wife's WC.
  12. Welcome; If you followed all the steps in the guide; https://whychat.me/GUIDEBOOK.html and have opted out and sent letters to delete old addresses, then your next step is to send the initial DISPUTE LETTERS to the CRAs ( Credit Reporting Agencies) https://whychat.me/hipaadisp.html as found in the HIPAA letter guide; https://whychat.me/GUIDE HIPAA PROGRAM.html What were your dates of medical services on these accounts?? You should wait 10 days from the date of delivery of your address deletion letters before proceeding with the initial dispute letter. Come back to THIS POST for additional help and with the results of your initial dispute letters. (allow 3 weeks after the CRAs receive your initial dispute letters before checking your reports for changes if you have not received any response from one or more CRAs)
  13. If you move to Arkansas and they want to sue you they would have to sue you in Arkansas. If they sue you in Tx and get a judgment and you move to Arkansas they would have to domesticate (file to move ) the judgment in Arkansas. Once a health care account is transferred from one CA to another CA it is no longer legally collectible or reportable. That is the basis of the HIPAA letter program. While the $$ account can be transferred your HIPAA privacy release can NOT be transferred without your signed agreement.
  14. Follow the guides; https://whychat.me/GUIDEBOOK.html Check with the hospital and find out how your $3,500 was applied to your account. Request a full refund as you qualified for indigent care. Check this site for the reasonable and normal fees you would have been charged IF you had been insured. https://www.cms.gov/Research-Statistics-Data-and-Systems/Research/HealthCareConInit/index.html?redirect=/HealthCareConInit/ DO NOT send the dispute letter to the CRAs, it will only cause the CAs to think you have assailable assets to protect. Do not respond to the calls. Or tell them the truth that you have no $ and no job and are living with family. If you can, put a block on their #s. ( I assume it is a cell phone?? If so get the HIYA application- it is free) If you get a refund from the hospital you can pay the accounts at the actual rate they should be (from the link provided) DO NOT pay the CA. Come back to this post for instructions on paying the OC health care provider directly. Sign up for insurance ASAP during this enrollment period. VOTE for your candidate that will support health insurance and Medicaid
  15. Why Chat

    Help removing medical bills

    Contact your insurance Co and get your EOMBs. That is the only way you can learn if the accounts are valid. Look for what was billed, what was allowed, what was paid and what amount was left as patient responsibility.If there were amounts listed as patient responsibility ( co-pays or deductibles) check your records to see if you paid them already,

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