K
kevinss
Guest
Don't forget to any letters certified, RRR. Didn't mention that earlier.
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Health Insurance/Collections
- Thread starter Whiskee
- Start date
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Hi Kevin
Hi Kevin,
I finally have in hand my correct EOB's and recalculated/reprocessed correct EOB's. Here's my question, the provider is apparently billing me for $450 plus interest for both the incorrect out of network deductible $300 and correct in network deductible $150. However, my $150 deductible was partially met through other providers and was completed through my visits with this provider. My payment of $195 was never calculated in either of these bills. Do I include that in my dispute letter or is it sufficient to say that I have paid the provider $195. The corrected claims indicates my responsibility of $114.94 resulting in $80.06 refund?
Please advise.
Thanks,
Whiskee
Hi Kevin,
I finally have in hand my correct EOB's and recalculated/reprocessed correct EOB's. Here's my question, the provider is apparently billing me for $450 plus interest for both the incorrect out of network deductible $300 and correct in network deductible $150. However, my $150 deductible was partially met through other providers and was completed through my visits with this provider. My payment of $195 was never calculated in either of these bills. Do I include that in my dispute letter or is it sufficient to say that I have paid the provider $195. The corrected claims indicates my responsibility of $114.94 resulting in $80.06 refund?
Please advise.
Thanks,
Whiskee
K
kevinss
Guest
When you said "the provider is apparently billing me for $450 plus interest for both the incorrect out of network deductible $300 and correct in network deductible $150", did you mean that's what they were incorrectly billing you BEFORE and the corrected amount due is $114.94?
In any event, if your calculations are correct and you are indeed owed the $80 and change, sending a certified letter to the company you paid the $195 to with the corrected EOBs, demanding a refund of the overpayment should get things started. They will likely refuse or not respond. It would then be your choice to file suit or just let it go (much easier to let it go.)
There's the off-chance they'll credit you but I would be really surprised.
If you do choose to file suit, sending an intent to sue letter with the same proof you provided in the first letter might get results. Don't send an intent to sue if you aren't actually going to, though.
In any event, if your calculations are correct and you are indeed owed the $80 and change, sending a certified letter to the company you paid the $195 to with the corrected EOBs, demanding a refund of the overpayment should get things started. They will likely refuse or not respond. It would then be your choice to file suit or just let it go (much easier to let it go.)
There's the off-chance they'll credit you but I would be really surprised.
If you do choose to file suit, sending an intent to sue letter with the same proof you provided in the first letter might get results. Don't send an intent to sue if you aren't actually going to, though.
Hi Kevin,
Yes billing department was in error in both bills. $300 was incorrect out of network deductible. And $150 deductible has been partially met and completed through these visits. Neither bill calculated my $195 payment. Before I had no idea what my liability was until now $114.94. So yes this results in $80.06 refund (which I'll never see, but I don't care. Just want this to end!).
I included in my letter to collections, "I have consulted with an attorney who informs me that you musr remove this account as well as the incorrect listing to the credit reports and provide written confirmation. Failure to do so will result in legal action." Should I take this out? My evidence should support removal of the account, right?
If they do not remove the account then I would need to take them to small claims court which I don't really want to do.
Do I need to send letters and EOB's to both collections and the provider certified mail?
Yes billing department was in error in both bills. $300 was incorrect out of network deductible. And $150 deductible has been partially met and completed through these visits. Neither bill calculated my $195 payment. Before I had no idea what my liability was until now $114.94. So yes this results in $80.06 refund (which I'll never see, but I don't care. Just want this to end!).
I included in my letter to collections, "I have consulted with an attorney who informs me that you musr remove this account as well as the incorrect listing to the credit reports and provide written confirmation. Failure to do so will result in legal action." Should I take this out? My evidence should support removal of the account, right?
If they do not remove the account then I would need to take them to small claims court which I don't really want to do.
Do I need to send letters and EOB's to both collections and the provider certified mail?
K
kevinss
Guest
I had this same problem. I asked the post office and they said that it's fine to send to a PO Box. It goes to the proper end location where it's signed for.
K
kevinss
Guest
You should send a separate letter for each debt, with the account number (or reference number) listed in the header.
Your wording seems fine. They cannot report false information to a credit bureau, and reporting an account that should not have existed would be false.
You may still have to go through the whole back-and-forth mailings to the original creditor, the CA, and the credit bureaus.. but you'll get what you want in the end. Hopefully it will be easier than I've made it out to seem. I'm just preparing you for the worst-case.
Your wording seems fine. They cannot report false information to a credit bureau, and reporting an account that should not have existed would be false.
You may still have to go through the whole back-and-forth mailings to the original creditor, the CA, and the credit bureaus.. but you'll get what you want in the end. Hopefully it will be easier than I've made it out to seem. I'm just preparing you for the worst-case.
Hi Kevin,
Sorry for the late thank you. I was in the midst of making my copies and assemlbling everything to mail. I sent envelopes to both collections and the provider via certified mail. I followed up with a phone call and fax as well. It's in their hands now. Really hoping they'll see me in the clear, but I know this billing department will not make things easy.
Have a wonderful weekend and thanks for your help,
Whiskee
Sorry for the late thank you. I was in the midst of making my copies and assemlbling everything to mail. I sent envelopes to both collections and the provider via certified mail. I followed up with a phone call and fax as well. It's in their hands now. Really hoping they'll see me in the clear, but I know this billing department will not make things easy.
Have a wonderful weekend and thanks for your help,
Whiskee
K
kevinss
Guest
Heh... Whiskee.. that sounds like a great thing to get this weekend started. 
Have a good one.
Have a good one.
Update Good News!
Hi Kevin,
I sent a letter to the managing chiropractor of the group where my chiropractor was practicing. This happens to be my chiropractor's husband. All previous request for assistance via fax through her husband to get to the chiropractor were not received. However, the last fax I sent included 33 pages of documents accompanied by a letter explaining the situation along with intent to submit a complaint to the state insurance commissioner and chiropractor board of examiners. Somehow that may have caught his attention. I got immediate results. My account was removed from collections and am assured that I will receive written confirmation as well as my refund within a day or two. I do not have these in hand yet.
I have requested from insurance my complete file. Do I still file complaints? How do I protect myself from this haunting me in the future. Sorry, I am paranoid!
The collections agency will not provide written confirmation of the account's removal. Is this correct? Collections had not reported account to credit report luckily.
The corrected EOB's I received were not dated. Would this have been discounted as proof should this collection proceded?
Very relieved, but still lots of letters and complaint forms to file after I receive confirmation from the doctor and get my refund.
Thanks,
Whiskee
Hi Kevin,
I sent a letter to the managing chiropractor of the group where my chiropractor was practicing. This happens to be my chiropractor's husband. All previous request for assistance via fax through her husband to get to the chiropractor were not received. However, the last fax I sent included 33 pages of documents accompanied by a letter explaining the situation along with intent to submit a complaint to the state insurance commissioner and chiropractor board of examiners. Somehow that may have caught his attention. I got immediate results. My account was removed from collections and am assured that I will receive written confirmation as well as my refund within a day or two. I do not have these in hand yet.
I have requested from insurance my complete file. Do I still file complaints? How do I protect myself from this haunting me in the future. Sorry, I am paranoid!
The collections agency will not provide written confirmation of the account's removal. Is this correct? Collections had not reported account to credit report luckily.
The corrected EOB's I received were not dated. Would this have been discounted as proof should this collection proceded?
Very relieved, but still lots of letters and complaint forms to file after I receive confirmation from the doctor and get my refund.
Thanks,
Whiskee
K
kevinss
Guest
I would think that the undated EOBs combined with the fact that the doctor's office admitted fault and issued you repayment would give you a solid case should anything develop in the future.
I don't think you can immediately protect yourself from future activity.. but save ALL of your records.. every single last piece of paper and envelope. If anyone comes after you in the future, you'll have everything you need to fight them off... and next time it will be a lot easier!
I'm glad things worked out for you! Thanks for letting us know! We love success stories.
I don't think you can immediately protect yourself from future activity.. but save ALL of your records.. every single last piece of paper and envelope. If anyone comes after you in the future, you'll have everything you need to fight them off... and next time it will be a lot easier!
I'm glad things worked out for you! Thanks for letting us know! We love success stories.
Hi Kevin,
I really don't know what I would have done if the letter to the managing chiropractor didn't work. Yes, glad I had one good doctor to give me good advice to go that route. Absolutely, I am keeping this 20lb file! Guess it's onto the next batttle. I think I'm developing carpal tunnel. I justed posted on WC forum.
Thanks again!!
Whiskee
I really don't know what I would have done if the letter to the managing chiropractor didn't work. Yes, glad I had one good doctor to give me good advice to go that route. Absolutely, I am keeping this 20lb file! Guess it's onto the next batttle. I think I'm developing carpal tunnel. I justed posted on WC forum.
Thanks again!!
Whiskee