I did some physical therapy at a private therapy center for an injury i suffered an year ago. Over the past few months, i received many different bills with amounts ranging from a few hundred dollars to more than a thousand. I spoke with the ins. co. and they said they had paid the therapy center, so i ignored the bills i was getting. Now this therapy center has sent me a final notice. The notice says that my account would be turned over to a CA if i don't pay within 10 days. Iam pretty sure i don't owe them anything but they are saying that the ins. co. didn't pay them and so the bill is my responsibility. What should i do? Should i just pay up and then deal with the ins. co to get my money back? This could be difficult since iam no longer with this insurance. Or should i dispute this notice? If so, how do i go about disputing this? Are there any sample dispute letters that i could use?? Iam new to this so would greatly apprecaiate any help. Thanks.
wing, you should have gotten "statements" from your insurance company (explanation of benefits). If you have these, find them, and add them up, and then compare them with the bills you are receiving from the therapy center. If you don't have them, call the insurance company and ask for copies. Call the therapy center and say that you are investigating this. Don't just ignore them. The fact that you are no longer insured by this insurance company shouldn't affect this at all.
The way it should work is this: the therapy center files for the insurance, the insurance pays their share, you get an EOB. After about a month, you would then get a bill from the therapy center for anything the insurance company didn't pay. Over time it can all get confusing to the average consumer. I am taking care of my Mom's stuff after a hospital stay and rehab center stay, and it is almost impossible to track it - I am an insurance agent!! However, if you sit down and put it all together you should get the whole picture. Then you can call the ins co and ask "why didn't you pay so-and-so?" and get to the bottom of it.
