Hi everyone. I have a situation and could use some help from you folks if possible. I have a medical debt for which I have finally received a letter from a collector. The story behind this debt follows: I saw a doctor for a routine exam who then told me I needed surgery. In retrospect, who knows if this was true, it was not life-threatening, but at the time, they made me think it was very serious. There are two bills. One from the doctor, one from the hospital. I have been contacted regarding the hospital bill. I asked them to validate. They did, however, the validation sent was sent to me a week before they even signed for my request. Second, the amount requested by them is not the same as the amount of the bill they provided to me. There is no explanation for this. The reason I never paid either of these bills is because on several occasions I requested them to appeal my insurance companyâ??s decision not to pay the bills. I donâ??t understand why my insurance wouldnâ??t pay for these â??necessaryâ? charges. They never appealed, at one random point last year I started receiving letters from my insurance company stating that the bills were not submitted in a timely fashion. The SOL on collectability runs in 6 months. I have never paid them a dime myself, and it has almost been three years. I am afraid of what comes next â?? there is still the larger doctor bill out there. Any thoughts? I havenâ??t been around this board in about 2 years and I am glad to see it is still going strong. Thanks in advance for your thoughts.
At first I was assured they would appeal it, they had their reasons for incurring the charges so I figured that their explanation was better than mine. I had no answers as to why certain things were done.
ok, I understood it to be your responsibility and not the service providers, no matter the assurances, was just curious. If you requested validation, you sent CRRR, yes? I'd disregard whatever they sent you in the meantime and wait and see what they provide in response to your official request, if anything. Sassy
Good idea, they only sent a copy of the bill anyway. I already had one of those. You do bring up a good point, though, I will double-check, I think that my insurance may have a policy that the provider appeals it, which could be exactly why I asked them to do it -in addition to explaining their reasons. I will double check that. Thanks!
If your insurance company owes the money, they still owe it. I would be contacting the insurance company about the upaid bills, the downside is that paying some of the bill may restart the SOL.
Absolutely about the SOL. I don't think the insurance co. is responsible, they either paid, paid in part, or denied charges. Most of what was denied was deemed "not indicated for procedure performed" or charges were "over reasonable and customary".
I've had to have a 6 year old insurance claim reopen after MedClr came after me in 2001. It took some phone calls and a complaint to the state but the matter was settled.
