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    • By StarkRaven$
      "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/
       
       
    • By BFee317
      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
    • By richrod
      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!
       
    • By lola2020
      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
    • By Shareh
      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
       
       



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