Old medical bills & insurance

[Anonymous]

The majority of my bad debt is old medical bills from 4-5 yrs ago. There is a set of them from a time when I  know I had insurance, and the amounts are big enough ($700, $290, etc) that I'm pretty sure insurance should have covered these & didn't. I used to work in medical billing so I kind of have an eye for the amounts, plus I remember the two events based on the dates.

Problem is, I don't even remember what insurance I carried at the time and I'm obviously not insured through that company anymore.

Is there any way to dispute that insurance should have paid at this point or should I just try PFD?

[Anonymous]

I would contact the OC  they should have the ins. info.   then call the ins.co....you might find that the bills were not sent by or were coded wrong by the provider.

[haulingthescoreup]

Agree with HappyDays. Your insurance company from that time should be entered on the encounter form.

DH had a medical collection show up on his reports for an out-of-state ER visit by a daughter. The facility charge was submitted and paid, I paid the co-pay, and the physician billing service coded or filed it wrong. It was denied, and they never bothered to do anything with it, and a year or so later, they apparently turned it over to collections.

We no longer have that insurance company, plus it was bought out by another company, but I tracked therm down, and the CSR's I spoke with spent 3 weeks thrashing through it. They finally got the check authorized and sent out last week, and it should be getting deposited today. Now to get the collection removed...

I can't say enough good things about United Healthcare! They definitely went the extra mile for us, even though they were never actually our insurors.