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silversky520

Help with ER collections

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In 11/2015 I went to the emergency room and had some scans done due to nerve pain. I was placed in collections for 727. (I made a lot of n00b mistakes so bear with me) I disputed it through creditkarma and they validated the debt. I don't want to pay on it because its halfway through the process but I'm wondering if the fact that I already disputed it and all three CAs verified it if theres nothing left I can do. Creditor is Emergency Prof. Services. I have had no contact with the hospital or CA.

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Disputing through an online form is NEVER a good way to do things...doing it through a crappy third-party website is the absolute nut-low method.  Any disputes that you make need to be done IN WRITING and with a measure of specificity. 

 

Broader question is where your insurance carrier is in all of this.  Also to be determined is whether it actually is a 'collection' or whether it is simply something that is absolutely consistent with medical billing practices where the provider AUTOMATICALLY places everything outside of the office because it is easier than maintaining accounts receivables inside the office. 

 

I can only HOPE that there was a reason to have had this done in the ER as opposed to letting the primary refer you to the appropriate clinic for the testing.  Walking in to the ER for a non-emergency is NEVER in the patient's best interest, especially on the financial side of the equation.  Even without insurance, a quack in the box such as exists on almost as many corners as $tarbux will be the better option, both in terms of care AND costs (I self-insure which is why I am aware of the services of the quacks in a box). 

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10 hours ago, centex said:

Disputing through an online form is NEVER a good way to do things...doing it through a crappy third-party website is the absolute nut-low method.  Any disputes that you make need to be done IN WRITING and with a measure of specificity. 

 

Broader question is where your insurance carrier is in all of this.  Also to be determined is whether it actually is a 'collection' or whether it is simply something that is absolutely consistent with medical billing practices where the provider AUTOMATICALLY places everything outside of the office because it is easier than maintaining accounts receivables inside the office. 

 

I can only HOPE that there was a reason to have had this done in the ER as opposed to letting the primary refer you to the appropriate clinic for the testing.  Walking in to the ER for a non-emergency is NEVER in the patient's best interest, especially on the financial side of the equation.  Even without insurance, a quack in the box such as exists on almost as many corners as $tarbux will be the better option, both in terms of care AND costs (I self-insure which is why I am aware of the services of the quacks in a box). 

I had debilitating nerve pain shooting all throughout my back. To this day I have never felt pain like I did that day, it was a weekend too so I had no other choice but to get a scan immediately.

 

I did not have insurance at the time so I assume that it is accurate. Trust me I wish this all could've been avoided. I have great health insurance now thankfully but if I should ever not have it I will totally take your advice LOL!

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