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ER visit, in collections

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Hi Everyone,

 

About a year ago, I visited the ER only a couple months after turning 18. I went expecting a cost, but not one at the magnitude of what actually came in the form of a bill.

 

Flash forward to now, the hospital has given the debt to “United Collection Bureau”, and I Received a letter from them with my name, address, the name of the hospital, the service date, and the $1800 total of the debt. The letter said if I pay the debts within 30 days, they would not report to the credit bureau. This letter was sent on March 8th, and it is now April 12th.

 

That being said, I am currently attending a University working a minimum wage job, and come from a broken family that is below the poverty line. Because of this, paying off this debt is not a reality anywhere in the near future for me. What steps should I take to possibly get this debt deleted, invalidated, or if it comes down to it, negotiating with the CA.

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When you visited the ER did you tell them you were uninsured?? Did they offer any financial assistance?? DID you have ANY insurance coverage?? Perhaps under your parent's insurance policy? If your family was under the poverty line they may have been covered under medicaid which would have included you until you are 26 while you are living at home or in school.

 

Meanwhile, follow this guide ( you don't need to delete old addresses)

 

https://whychat.me/GUIDEBOOK.html

 

Send the CA this:

https://whychat.me/ltrcavalhipaa.html

 

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Now that I think of it, I did have insurance. But I had the bill processed through my insurance twice and both times it was rejected because I was not admitted. For some stupid reason I was under the impression that an ER visit would only be around 100-200


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Now that I think of it, I did have insurance. But I had the bill processed through my insurance twice and both times it was rejected because I was not admitted


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Also, I have moved since the time of service, so are you sure I don’t need to delete old address?


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Contact your insurance Co. and get your EOMB ( explanation of medical benefits) . It is more than likely that the OC hospital did not correctly code your claim. OR it is also possible that your insurance DID pay and the CA dunning you is a JDB ( junk debt buyer). In any case, the medical DV letter to them will probably get rid of them, or provide you with better data about whether or not it was properly submitted to your insurance.

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