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2 bills potentially tangled up

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Hello everyone! I am new and am still trying to read all that I can, so apologies if I do not understand something. I am still learning how to do adult things like care about my credit score. I know I've done things wrong so I am trying to fix them.

 

I have two outstanding medical bills from June of last year (2019) that were not related, but I have reason to believe that the hospital combined them and then sent them to a collection agency when 1 of them I was on a payment plan for and the other I was disputing. 

 

Bill 1

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Was supposed to be $107 dollars paid each month for three months (so ~$320). I paid the first two payments in October and November and have confirmation numbers for each from my (parent's) HSA. I was going to pay in December, but was dealing with a health issue and honestly I made a mistake and forgot. I did go online to pay the remainder, but saw that I could not pay this bill separately from the one below. It was either pay bill 1+2 or nothing. I resolved to call customer service, but then the holidays hit and the year turned over. I called to pay last week and see why it was gone from my account, found out it not only went to collections with no letter but also I owed 213 (so the last payment+one of the payments I already paid), even though I had already paid half of that in November. So they added $107 to my debt. I was supposed to receive a callback last week and today as well but did not.  I do truly owe ~107 still on this account but it got sent as double that amount.

 

Bill 2

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~$270

Was a small test done incorrectly on technician error. The timing mattered and neither my doctor nor my technician told me this and did the test without properly asking the right questions that would have given the green light to do this test. When going to my new gynecologist, was told the images were not good. When a new test was done, it was found out that literally everything on the previous test was wrong and no information could be taken away from that test. So it has been in dispute. Every time I called customer service I got a different answer as to what was happening. Then when I called last week I found out it went to dispute 4 times (even though I was always told it was just the one), but they never consulted my doctors, it was just a bunch of business people thinking "well it got results so". This bill I still do not think I am responsible for. This whole process of trying to get answers to the related health issue has been horrendous and this scan ended up causing a lot of health issues further down the road. If there is a way to be able to not pay this (because it was hospital error) and have it not effect my credit I am all ears.

 

Both of these bills were sent at the same time to the same collection agency, MRSI, which has not reported to a CRA yet. I say the bills MIGHT have been combined because when I went online to pay bill 1 I saw that I could no longer pay separately, but both combined). I do not know for sure and I am reluctant to call the CA because I don't want to give them more information against me.

 

I have dealt with collections in the past, one for a small medical bill that slipped through the cracks when I was very sick and didn't pay my bills yet (dad did them) that I paid and got deleted from all my credit reports (fairly sure but not positive, there is no mention of this bill when i check my official reports). One time I had a collections agency report on my credit for a bill I didn't recognize, and disputed it with the CRA and got it taken off saying I had never seen that bill before, got no notice, was not responsible etc. But this situation seems a lot more complicated.

 

What should I do?

 

 

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Do you have insurance?? If so, get your EOMBs (explanation of medical bills) from your insurance Co,

Look to see what was billed, what was allowed, what was paid and how much was left as patient responsibility.

If you did NOT have insurance then you need to check to see how much those procedures would have cost IF you did have insurance to cover them.

Follow these guides;

https://whychat.me/GUIDEBOOK.html

https://whychat.me/GUIDE HIPAA PROGRAM.html

 

If you know for sure how much you owe based on your EOMBs or this link ;

https://www.cms.gov/Research-Statistics-Data-and-Systems/Research/HealthCareConInit/index?redirect=/HealthCareConInit/

pay the provider that amount with the HIPAA letter insert "a"

https://whychat.me/hipltr.html

If you have any medical accounts reporting on your credit reports send each CRA this;

https://whychat.me/hipaadisp.html

 

If your EOMBs show that you were billed for duplicate or incorrect tests or procedures but your insurance paid for them then you will have to accept the fact that error or not they were done, if improperly and you are liable for the costs. You can file a complaint with your State consumer services.

 

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On 1/20/2020 at 9:52 PM, Why Chat said:

Do you have insurance?? If so, get your EOMBs (explanation of medical bills) from your insurance Co,

Look to see what was billed, what was allowed, what was paid and how much was left as patient responsibility.

If you did NOT have insurance then you need to check to see how much those procedures would have cost IF you did have insurance to cover them.

Follow these guides;

https://whychat.me/GUIDEBOOK.html

https://whychat.me/GUIDE HIPAA PROGRAM.html

 

If you know for sure how much you owe based on your EOMBs or this link ;

https://www.cms.gov/Research-Statistics-Data-and-Systems/Research/HealthCareConInit/index?redirect=/HealthCareConInit/

pay the provider that amount with the HIPAA letter insert "a"

https://whychat.me/hipltr.html

If you have any medical accounts reporting on your credit reports send each CRA this;

https://whychat.me/hipaadisp.html

 

If your EOMBs show that you were billed for duplicate or incorrect tests or procedures but your insurance paid for them then you will have to accept the fact that error or not they were done, if improperly and you are liable for the costs. You can file a complaint with your State consumer services.

 

Does it matter if the hospital has already given the case to a CA? As in, they will no longer accept payment from me? And it has not shown on my CR yet. I just received the letter from the CA yesterday.

 

Also in the past I have been able to negotiate prices after insurance has paid (but that incident was not with this hospital).

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The program is designed to force the hospital to accept payment IF the instructions are followed. 

 

If you know for sure how much you owe based on your EOMBs 

pay the provider that amount with the HIPAA letter insert "a"

https://whychat.me/hipltr.html

 

If your payment is based on your responsibility AFTER your insurance has paid and consists of your deductible and co-pays then you need to pay in full

Edited by Why Chat

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So if I just received the letter from the collection agency, should I just use that letter with insert "a" and a check to the hospital where I originally owe the debt? Or is there something I need to do prior?

 

It says to follow the instructions but it seems to me that the main step is sending this exact letter? 

 

Also, yes, with another practice I was able to negotiate my fee after insurance kicked in. That was a practice though and not a hospital.

Edited by etherealfox

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NO NO NO!! Do NOT use ANYTHING you received from the CA in your payment to the OC. The idea is to BYPASS the CA in your communication with the OC. Use the $$ amounts from your EOMB.

 

As to prior actions, opt out and delete old addresses ( if you have moved since the date of service)

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Whychat--

 

Followed your advice to the T on an OC nuiisance $130 collection reporting...

 

Sent letter and payment via USPS priority and check enclosed...  (I even dated check for December because nuissance collection reported January 2nd)

 

EVERYTHING seemed to work like a charm, OC deposited check.... EXCEPT

 

OC converted the check via ARC ACH conersion -- no cancelled check!!!! even emailed my bank (Chase) asking for cancelled check and they replied "No can do -- the check image does not exist beacuse converted to ACH"

 

Advice???

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There should be a PDF copy at your bank that would be available with your statement. In any case, the bank record will show that your payment was made to the OC. It makes no difference in the program because you have proof that the payment was made. 

 

Now the only thing you need to do is to make sure there is no reporting of a "paid" collection on your reports.

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