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Got a collection letter for co-payment?


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DW has a family health plan so she got a letter from a collection agency for my daughter who had visited the doctor and paid the co-pay ($15.00) in cash at the doctors office (Feb 2011).... we don't have the receipt from the doctors office but we always make the co-pay. Anyway my wife had called the doctors office 3 previous times concerning this bill we kept getting from the doctors office for $15 for that particular visit and spoke with the billing manager because DW was concerned the doctors records were showing an outstanding balance but the billing manager said to ignore the letter and they would take care of it.

 

Well needless to say it wasn't taken care of and my wife has got a CA now looking for payment. Now they want the $15 and $25 for late payment so the bill now is $45.00. I know it's not a lot of money and if it gets this behind us we will just pay the $45 and get it over with but I just don't want it to go on the credit after we pay CA or doctor but not really sure who to pay?

 

My question is.... We want to just pay it but I don't want to have to worry about it going on her CR's after we pay it so should we pay the CA ($45) or just send the original co-pay ($15.00) to the doctors office?

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DW has a family health plan so she got a letter from a collection agency for my daughter who had visited the doctor and paid the co-pay ($15.00) in cash at the doctors office (Feb 2011).... we don't have the receipt from the doctors office but we always make the co-pay. Anyway my wife had called the doctors office 3 previous times concerning this bill we kept getting from the doctors office for $15 for that particular visit and spoke with the billing manager because DW was concerned the doctors records were showing an outstanding balance but the billing manager said to ignore the letter and they would take care of it.

 

Well needless to say it wasn't taken care of and my wife has got a CA now looking for payment. Now they want the $15 and $25 for late payment so the bill now is $45.00. I know it's not a lot of money and if it gets this behind us we will just pay the $45 and get it over with but I just don't want it to go on the credit after we pay CA or doctor but not really sure who to pay?

 

My question is.... We want to just pay it but I don't want to have to worry about it going on her CR's after we pay it so should we pay the CA ($45) or just send the original co-pay ($15.00) to the doctors office?

I suggest you send a LETTER certified mail return receipt to the Dr.'s office and tell them that if they do NOT immediately get this removed from the CA that you will file a complaint against the Dr. with your State's Dept. of Consumer Affairs and file a complaint against them with the BBB.( Telephone calls are useless)

 

In addition you should check your and your daughter's credit reports and follow THESE directions for getting it removed from any reports if it is on there:

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

 

If it is NOT on any reports yet, you should send the CA this:

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

 

You should also notify your "family health plan" administrator of this situation.

Edited by Why Chat
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If it is NOT on any reports yet, you should send the CA this:

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

 

 

This is where I think the links are confusing. When you say "this" which letter in particular are you talking about?

I was referring to the letter I gave you the link to, the medical DV

 

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

 

That should be used IF the account is NOT on your reports, of course if it IS on your reports, you follow the guide:

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

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If it is NOT on any reports yet, you should send the CA this:

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

 

 

This is where I think the links are confusing. When you say "this" which letter in particular are you talking about?

I was referring to the letter I gave you the link to, the medical DV

 

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

 

That should be used IF the account is NOT on your reports, of course if it IS on your reports, you follow the guide:

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

 

Yeah I know, it's just that the link has two letters

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If it is NOT on any reports yet, you should send the CA this:

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

 

 

This is where I think the links are confusing. When you say "this" which letter in particular are you talking about?

I was referring to the letter I gave you the link to, the medical DV

 

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

 

That should be used IF the account is NOT on your reports, of course if it IS on your reports, you follow the guide:

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

 

Yeah I know, it's just that the link has two letters

There is only ONE link to the medical DV for accounts reporting with a balance due.

 

INSIDE that link is other links which CLEARLY clearly state that one is a medical DV for accounts reporting as "paid" collections and the other is for the follow up dispute to the CRAs.

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