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Found 96 results

  1. "A California law that took effect Jan. 1 aims to protect consumers from such enormous bills for out-of-network air ambulance services. The measure limits what consumers owe if they’re transported by an air ambulance that’s not part of their insurance network to the amount that they’d be charged if they used an in-network provider. The health plan and the air ambulance provider must then work out payment between themselves. But the new law won’t protect consumers like Hoechlin, whose health plan isn’t regulated by the state. Matt’s employer pays its workers’ medical claims directly rather than buying state-regulated insurance, a common arrangement called “self-funding.” Self-funded plans are regulated by the federal government and generally not subject to state health insurance laws. In this regard, the new air ambulance law is like laws in California and other states that protect consumers from surprise medical bills: They don’t apply to residents in federally regulated health plans. Those plans cover about two-thirds of people who get insurance through their jobs nationwide." ~ California Healthcare With an EPO (self funded) insurance plan, balance billing may result for less extravagant but routine procedures such as anesthesiologists, lab work, etc. Even if you are referred to a in-network facility. It happens when say, the anesthesiologist who is out of network, is working in the in-network facility and the EPO doesn't cover the charges. The patient is billed separately and on the hook for the full amount of the out of network physician. HMO's are protected from balance billing CA. https://californiahealthline.org/news/loopholes-limit-new-california-law-to-guard-against-lofty-air-ambulance-bills/
  2. I am working on cleaning up a few items on my credit reports and not sure which way to start. There are two Paid Collection medical bills showing on my reports, which is hurting my ability to rebuild my credit after divorce. They both are being reported by the same medical collection agency that is a local company where I live. They are both old, but still have a couple years to fall off my reports. One for $73 has a delinquency date of 3/2015, assigned to collections 1/2016, paid in full 7/2016. Last reported to credit bureaus on 6/2017, The other one for $164 has a delinquency date of 5/27/15, assigned to collections 10/2016, paid in full 12/2016 and was last reported on May 18, 2020. Should I call them and request a goodwill adjustment to have them remove the reporting, write a goodwill letter, or move to the HIPAA letter? I also have one account in collection status that I disagree with. I had disputed it via the credit bureaus, but only got a notation in the credit reports that the debt was conforming, which I am sure means they contacted the collector and they said I owed the debt. This is a credit card debt that appears to be sold to a collection agency. The debt amount is $370, delinquency date 12/2018, turned to collection 6/2019. I am not even sure what this is, but may just be continual late fee charges on account I though was closed. Where should I start with this one? Pay for delete or validation letter? I made the mistake of ignoring my credit report after divorce in 2016 and have a thin file, but these three things are seriously hurting my ability to get a credit card acceptance. I don't want to keep having hard credit pulls for applications when I know these items are a big reason why I am being turned down. Thanks for letting me tell my story. Lola2020
  3. Anyone have experience pulling medical collections back from the credit agency and start a payment plan with your HC provider? Or negotiating with a HC provider for items already in collections and paying the HC a negotiated monthly amount or a one time negotiated payment then doing WhyChats system if the items are not removed from collections? The reason I ask is I have over 9 open accounts with Armada Corp (CA) totally over $15,000 and I am looking for the most efficient way to get this removed from my credit report. Thanks, BFee
  4. Even when you win you lose https://www.propublica.org/article/why-your-health-insurer-does-not-care-about-your-big-bills
  5. Hello, everyone. For the past week or so, I've been reading up on ways to deal with a CA that recently showed up on my credit report. I stumbled upon Why Chat's HIPAA program, read through it, and while it's quite clear, I just want to make sure it is the right thing for me. I'd also like to use it to ask potential follow up questions along the process. It showed up on my credit report June 28th, with a Date of First Delinquency of February 20th, 2017. At the moment, it only shows up on Equifax and Experian. It's from a hospital visit in California, and I am from and currently live in Arizona, and while I did have medicaid at the time, I was told that it would probably not cover it, but they'd let me go through with it anyway. I started to get bills from the Riverside County Medical department, but I initially ignored them, as I was an unemployed college student, and my mom advised me it wouldn't matter anyway; The bill was for $991. I'm now 23, and have been working hard on my credit score, this is the only blemish on my record, and I would love to get rid of it completely. I have a few old addresses on my credit report, but they're all from years before this account, and I've lived at my current address for around 11 years now. Do I still have to go through the deletion process for those other addresses? Other than that, I'm thinking my first step would be to fill out and send the "Initial HIPAA Dispute Letter" to the two CRAs that show the collection, is this correct? Thanks in advance for any help!
  6. After lurking in the shadows for a little while now, I decided I wanted to try why chat's guidebook on medical collections but felt really noobish once I didnt understand how to appropriately send priority mail. It says send a letter to the CRA with the proof of delivery number. Whats the delivery number? Is it on the forms Im getting from the post office? Also, on the priority mail instructions, It says to affix the copy to the top of the hard copy of the letter. Does that mean staple it on the top so I dont lose it? I promise you I am not as noobish as I seem. I guess I am kind of nervous? Thanks
  7. In 2017 at my annual exam there was some question as to whether or not my insurance would pay Planned Parenthood, but they just took my copay. The next year I asked to make sure they were getting paid and they said don't worry about it unless you get a bill from us. I never did. I moved in July of 2019 and they must have finally sent a bill to my old address, but it was never forwarded to me. It showed up as a collection on my credit reports this month and I went to the clinic and paid them directly and got a statement with a zero balance. But it has been a long. long time since I've had to deal with collections on my report. I thought as long as you paid the original creditor you could get a collection removed, but now that I'm looking up procedures I'm super confused as to where to start. A few questions: Medical debt is supposedly handled differently, but this looks like any other financial transaction and the debt is listed as "loan amount" on my Experian report. Does this matter in how I dispute it? The collection agency has a different account number listed from my medical statement and was clearly sending correspondence to my old address, does that matter? The collection agency has added $5 to the balance owed, so can they claim I am not paid in full? I know under certain circumstances it's not a good idea to dispute online, is this one of them? I looked at the WhyChat info and I'm not sure how to proceed because this is my debt, but a lot of the information is wrong. Can someone please tell me where to start? I really want this removed and not just listed as paid. Thanks! H
  8. Hope for the future; https://www.miamiherald.com/news/health-care/article239075338.html The ruling by U.S. District Judge Rodolfo Ruiz, who was appointed by President Donald Trump in May 2018, could weaken one of the most common defenses debt collectors use in federal court: that they were simply relying on the information a medical provider gave them and therefore aren’t responsible for sending an erroneous collection notice. In his order, Judge Ruiz said the debt collector was “not entitled to simply rely on the presumption that all debts referred by the medical center are validly due and owing.” The decision is currently being appealed to the 11th U.S. Circuit Court of Appeals in Atlanta.
  9. I have a medical collection on my TU account only from OAC for $537.00. The debt was from a Xray visit in may of 2014. Collection was placed 1-2015 and continues to update. All other bills at that time were paid by American Family who the was apparently reimbursed by the commercial insurance policy of the company whose truck driver hit me from behind. They paid all phys therapy, doctor visits, etc during that time. I do know for absolute certainty that I gave them my AmFam card prior to treatment just as I did for all treatment. What is the best way of dealing with this? Thank you.
  10. I paid the OC before finding this program. The CA updated the collection on TU to "Pay Status: >Account Paid in Full; was a Collection<" The website for the CA states all of their collection programs are "designed to be consumer conscious and are HIPPA and FDCPA compliant." My question is will this will this program still work for them?
  11. Hi WhyChat, I have a question about where the follow up letter to the OC is sent (with letter to the CRA as an enclosure) after confirmation of the bank money order deposit. The possible choices are the OC Legal department, the OC HIPAA Compliance Office or both. Under the section below the instructions state Legal dept; INSTRUCTIONS FOR FOLLOW UP TO "HIPAA" LETTER TO ORIGINAL CREDITOR HEALTH CARE PROVIDER 3- Send a copy of the follow up letter to the OC (legal dept) with the cover letter,(follows letter to CRA) and above the followup letter the instructions state HIPAA Compliance dept; (see below) (Send a copy to the HIPAA Compliance Dept. of the OC health provider(CMRR) with the following cover letter) Could you direct me to which is correct? Thanks, willjr20
  12. The first dunning letter is for an alleged old medical bill for $900 Collection Agency is Dynamic Recovery Solutions. They give me three payment options but down on the bottom it says they cannot sue me for this debt nor report it to my credit reports. How should i handle this one? Just ignore them? The second one is not a medical collection but from the same CA. It's for an old cell phone bill for 200. Again down at the bottom it says they cannot sue me for this debt but they can report it to my reports. I have a feeling this comes from filling a complaint with the BBB against Jefferson Capital Systems last week. I filed on the 16th and these letters are dated for the 15th. Coincidence? Just an fyi the phone bill lists JCS as the "current creditor". May i also add that after complaning to the BBB then disputing JCS to the bureaus they did remove JCS from all 3CRA's. How should i proceed? Thoughts
  13. Hi, I’m new here and could use some help. Sorry in advance for the extra long post. In 2014 I was in an auto accident and ended up with five herniated discs in my neck. This led to migraines that landed me in the ER six times that year. I had medical insurance with a maximum out of pocket of $500 for the year. All six ER visits were to the same ER facility. Somehow they messed up the billing on three of the visits. I received bills from the hospital for the visits and the amounts not only exceeded my copay, but they exceeded my out of pocket maximum. The hospital was an in-network facility. The EOBs that I received from the insurance company said that the provider had not properly billed for the services performed. I called the hospital’s billing department. I was told that they were refilling the insurance and if there was an issue that I’d receive information in the mail. They sent me nothing. As it turns out, I ended up in collections for all three visits. I had a total of six collection accounts - three for the hospital and three for the doctors association. I was livid when I found out (I was trying to finance a new car and the dealership showed my the collection accounts). So I called the hospital billing department and sternly voiced my displeasure. I even threatened legal action. They said they’d look into it and get it handled. The hospital actually followed through and removed their three collections from all three of my credit reports. Unfortunately, the doctor’s association billing department wasn’t as easy to deal with. They contend that I owe them close to $2000. I explained the limits of my insurance policy and that the EOBs I had received showed that they had not properly billed the insurance. Their response was basically “too bad.” They said that I could pay them the full amount that they claim is due and that they’d report the collection as paid. I told them that this is ridiculous and that I want it removed. Once again, too bad. So I called the collection agency and explained the situation. I was told that it’s between me and the original creditor. A couple months ago the collections were completely removed from my Equifax report. I’m not sure why, but fine by me. But the collections were still listed on TransUnion and Experian. I initiated disputes with those credit bureaus. My disputes were all denied. But for some odd reason one of the collections now shows as closed (still with a balance) on TransUnion. At at this point, even if the doctor’s association were to try and resubmit the claims (which they’ve said they won’t do) they can’t. The insurance company I had in 2014 no longer operates in Florida. There isn’t even a phone number to contact them. I need to apply for auto financing again soon, and I need this cleared up first. I have no other collection accounts and no delinquencies or late payments. The three remaining collection accounts are the only negative information on my credit reports. So, what are my options? How do I get these collections removed/deleted? Thanks in advance, Daniel
  14. I have a TL on my TU and Exp reports (still waiting on Equifax) from Wakefield & Associates. Under "Loan Types" they are listed as "Collection Agency/Attorney. I have went to their website and read each of their "exec team's bios." No where do I see any mention of any of them being an attorney. I have disputed this with TU & Exp in writing, by certified mail and not on-line, which both received on Thursday, 12/06/18, because I honestly do not who the OC is. I guess my question is, when the disputes come back as verified, as I'm guessing they will, what are my options considering all the other info indicates it is still within the SOL. I am assuming I will begin to get letters or phone calls from them. But.... and this is the interesting part What is really interesting is the TL also says "Acct Info Disputed by Consumer; <Placed for Collections> I have not disputed anything on my credit reports since some time in 2014 (?). "Placed for collections: 04/29/18" Date Item to be Removed: 04/2024 (which indicates an original date of sometime in 2017) ????? (Confused? I am) And the balance seems to be increasing over time a few dollars per month. Original Creditor: Medical Any help/advice/opinions will be greatly appreciated (I may not be able to get back here immediately to respond to anyone but will return soon). Thanks in advance. You don't really have to waste your time reading their bios but I am pasting them below anyway. (No law degrees) page address: https://www.wakeassoc.com/management/ Matt Laws Pres & CEO: Mr. Laws has an undergraduate degree in computer science and an MBA from the University of Dallas. COO: Mr. Boettcher is active in the legislative arena locally and nationally with ACA International and Associated Collection Agencies, Inc. Mr. Boettcher also has extensive experience in the acquisition and management of defaulted consumer debt portfolios. CFO: He holds a B.S. Degree in Business from the University of Tennessee and has over 30 years of diversified business experience in both public practice and industry, including 21 years with RRC Wakefield. Chief Relationship Officer: He holds a B.S. Degree in Finance from the University of Tennessee, is a member of the International Fellowship of Certified Collection Executives, Healthcare Financial Management Association, University Sertoma Club, and is a member of ACA’s Future Leaders. Prior to the RRC Wakefield merger, Gregg served in the dual role of President and Chairman of the Board of Directors of RRC. Chief Business Development Officer: Tyler is an acknowledged expert in several areas of medical collections including ambulance, surgical centers, hospitals, and radiology. Mr. Marsh has assumed the responsibility of growing and managing the relationships with our clients, with great success. Chief Compliance Officer: (blah blah blah... Debra holds an MA in Organizational Management from the University of Phoenix and a BA in English and Secondary Education from Iowa State University. Debra is also a Professional Collection Specialist(ACA), a Trainer Specialist, and holds ACA’s Scholar and Fellow Degrees in Collection Business Management. In 2009, Debra earned ACA International’s Credit and Collection Compliance Officer Designation. Director of IT: Kevan holds degrees undergraduate degrees in mathematics and history. Again, NO ATTORNEYS!!
  15. I have a $126 "Paid" collection dated Nov 2013 on my credit reports. If it is relevant, I'm not sure if I paid directly to the CA ("Med Data Sys") or directly to the hospital. I am wanting to know what steps I can take at this point. I've read through WhyChat's links (geez, what an awesome resource!) but I am still unsure exactly what I need to do. It seems like I could send the wrong letters (or in the wrong order) and screw things up. Thanks in advance for any help!
  16. Last year our baby was moved to NICU the day after born claiming for infections and was advised that baby would need a week of medication and observation. Baby showed significant improvement from third day and all the medical apparatus were removed other than monitors. During the last two nights on baby's hospital stay we were informed that we can spend time with baby in normal room which we agreed to and was handed to us without no medical apparatus including monitors. We were told baby will be taken for medication in the morning and in the evening. Left facility after paying wife's charges. Later received 2 separate bills for the baby one from NICU hospital facility and other from NICU care which they charged for all 7 days at NICU rate without excluding the last 2 days. Also the baby was admitted on first day in the evening and they even charged full day for that. My insurance paid them and left with my portion. I disputed these 2 bills wrote letters and called but all went in vain I requested for health records and the medicine administration sheet doesn't show any medication after 4th day but in a different notes other than medicine administration sheet it was written they will be continuing the medication till day 7. Reached out medical facility and NICU care about the discrepancy and they kept claiming to be billed correctly. I have received a letter from CA about the NICU care charges and mentioned that NICU care has asked to report the charges to CRA. I am willing to dispute with CA and using this letter for dispute to start with --> https://whychat.me/ltrcaval.html Please advise if i am going in right direction.
  17. Hello WhyChat, Hope you're doing great. Helping a relative deal with Medical bills. Here are the facts: · My relative cut his finger while mowing his grass (over 1 month ago) · Ran to the nearest medical facility and they did NOT treat him at all however they sent him over to another equipped medical center. · The medical center where they sent him over is the ONE who treated his injured finger and took care of him and they billed him a $1000 (which he is willing to pay) · Yesterday he received another bill from the original facility he first ran into and who did NOT treat him and their bill was for $5000 · He is in shock and doesn’t know what to do he wanted to call them and dispute it but I am holding him off. How can he approach this situation with this medical facility that charged him $5000 For Nothing? Please advise Thank you
  18. It appears I have been balanced billed for services provided for in network which is illegal I believe. I was only supposed to pay around $38 but was billed and sent to collections for $1,580. It appears the medical provider took the amount they billed and subtracted it from what the health insurance paid and send that amount to collections. I paid it because I did not want it reporting on my credit report. The services provided were indeed within the network so what they did was not honor the member rate and billed me incorrectly. What action should I take and can I get a refund along with any other damages?
  19. I used to lurk this forum for advice. I had my scores hovering around 700 when I lost my job and had two hospital stays. I kept my head in the sand for a few years until I got brave and ordered my paper reports. After triaging them, I realized that things were not as hopeless as I'd feared. This time I am being sensible. I'm not apping for crap cards or just any store card that will approve me, and I am certainly not carrying a balance on any of my cards. If I hadn't had high balances on so many cards before, I would have been fine. This time I'm focusing on cards that will actually benefit me, and getting fewer of them. I currently have five cards and a car loan. I'm wondering: would it serve any purpose to take out a rebuilder loan at my credit union, or just let these cards age? Also, would it be wise to wait one more year before disputing my three remaining medical accounts? They are currently three years old and my state's SOL is four years. I don't want to invite a lawsuit. Thank you for any advice.
  20. https://www.dailykos.com/stories/2018/9/19/1796833/-Dog-Owners-Time-to-Wash-or-Replace-Water-Bowls?detail=emaildkre No paywall link.
  21. Looking for some clarification regarding the process. I have sent each of the CRAs the initial dispute letter for a single account on my credit report that I am disputing per https://whychat.me/hipaadisp.html I have received a response back from all 3 saying they were verified/valid with NO documentation provided or proof it's my account. My next step is (https://whychat.me/ltrcavalhipaa.html-unpaid) correct me if I'm wrong is to send 3 letters to the Collection Agency. What do I put in the PM# field? Do I put in the PM# of the currents letter I am sending to them or something else? ABC Collections 123 NotOnYourLife Ave Chicago, IL Date: _________ PM#____________ Re: Acct # XXXX-XXXX-XXXX-XXXX And do I have to wait 30 days to follow up dispute? Or can I send these once the Collection Agency receives it? https://whychat.me/ltrcavalhipaa.html#DISPUTE Thanks for the help.
  22. I finally got around to getting things done. The letters will be sent tomorrow afternoon priority mail proof of delivery only. Mainly my husbands 4 accts. all assigned July through Dec. 2015, all PAID, one with nationwide recovery and the other three with the same local collection agency. Mine is first reported 6/2012 with same local agency not paid. opted out a long time ago, have lived same house for too long to worry about deleting old addresses. To be sure I am doing this correctly..... will wait for response before mailing. 1. send this Credit Report Dispute Form MULTIPLE accounts new initial dispute form and wait for response from CRA OR for his (all paid) do I send the letter for paid collections first? MEDICAL DISPUTE VALIDATION LETTER FOR PAID ACCOUNTS
  23. Hi Why Chat Opted out Sent initial dispute EQ deleted Ex and TU came back confirmed. Next step?
  24. Hello, I am new to the forum and have done some reading around but I have not been able to resolve a question I have. I owe a medical debt which was sold to a collections agency but I have not received any communications from them and I am not sure how to proceed. Back in March of 2017 I saw my primary care doctor (in NC) and bloodwork was taken during the visit. Unbeknownst to me, there was a billing error where my insurance paid my primary care doctor but never received the bloodwork paperwork. The bloodwork was processed by an off-site hospital and I was not aware of this procedure up front. I heard from a random hospital (also in NC) in September of 2017 saying I owed $133 for bloodwork from that visit. I resubmitted this to my insurance company. I have a high deductible plan and my insurance company instructed me to pay the provider directly and gave me credit towards my annual deductible for the payment. I did not hear back from the insurance company until 11/15/17. At that point I attempted to pay the debt directly on the hospital's website but was notified that I could not pay as the balance had been forwarded to a collections agency. The agency appears to be a NC collections agency, but all I am provided with is a name and a telephone number. Since then I have not had any communications from the collections agency. I have not contacted them. I am happy to pay this balance but I am afraid of the consequences of contacting the collections agency on an unsolicited basis. I plan to buy a house in the next 6 months and do not want this to impact my credit score which is in the low 700's. What is the best way to take care of this without impacting my credit? Thank you so much for your time to read through this!

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