Credit Cards Center Credit cards from our partners
Reply
Member
Posts: 11
Registered: ‎06-21-2007
0

Old medical claims in collections

I am new to myfico. I have a very specific question. I have serveral old medical claims that were unpaid even though I had insurance. I was really sick and couldn't even answer the phone when the collectors called. I didn't even know anything was wrong with my credit until I went to buy a new car a few days ago. I called the orignators of the bill and asked for the claims to be filed with my insurance company. They said that because of their contract with my insurance company they missed the timely filing deadline (they only have a year to file a claim). She also told me it is now my responsability to pay. Does anyone know if this is correct? Are medical bills really held against your score?
 
Thanks in advance.
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
0

Re: Old medical claims in collections



bizz0976 wrote:
I am new to myfico. I have a very specific question. I have several old medical claims that were unpaid even though I had insurance. I was really sick and couldn't even answer the phone when the collectors called. I didn't even know anything was wrong with my credit until I went to buy a new car a few days ago. I called the originators of the bill and asked for the claims to be filed with my insurance company. They said that because of their contract with my insurance company they missed the timely filing deadline (they only have a year to file a claim). She also told me it is now my responsibility to pay. Does anyone know if this is correct? Are medical bills really held against your score?
Thanks in advance.





Ask them for all the bills and YOU can submit to the ins co.
You may also have time limits-

This is pretty messed up that they neglected to file the claims.
Member
Posts: 11
Registered: ‎06-21-2007
0

Re: Old medical claims in collections

Thanks for the info. The worst part about it is that this could have all been prevented had I recieved some bills or was told they needed my insurance information.
Valued Member
Posts: 48
Registered: ‎06-02-2007
0

Re: Old medical claims in collections

I also have medical claims unpaid in my credit and my husband.  Maybe around 15.  When I started cleaning up our credit I called them all and all CA told me the same ( that the claims were to old and bla, bla , bla)  I called the insurance (Blue Cross Blue Shield of Illinois) and they told me (Who told you that)Smiley Indifferent that is not correct at least with them.  The insurance is paying each claim as long as my DH was covered at the time of the emergency or whatever reason he needed service.  Some of the claims are from 2002 and they are paying.  The process is slow because what they do is a representative from the insurance call the CA with you in the other line waiting and request the itemized bill.  For me is working, so check with your insurance and ask them to help you.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.