Credit Cards Center Credit cards from our partners
Reply
Frequent Contributor
Posts: 408
Registered: ‎10-31-2007
0

PRE HIPAA MEDICAL DISPUTE?

What is the purpose of the "PRE HIPAA MEDICAL DISPUTE" as listed in WHYCHAT tips?
Regular Contributor
Posts: 149
Registered: ‎11-03-2007
0

Re: PRE HIPAA MEDICAL DISPUTE?

[ Edited ]

To protect your rights under HIPAA, you should not write or correspond with a Collection Agency regarding a medical collection account within SOL.

This process is not applicable if the account is valid and you are unable to pay.  The medical claim must either be paid, inaccurate, or you are prepared to remit the valid correct amount due with the HIPAA letter.

The Pre-HIPAA letter is sent to the CRA to dispute medical collection accounts on your CR that are within SOL and are:  paid, valid but unpaid, "not mine" or inaccurate.

  1. Dispute a paid medical collection directly with the CRA and they should delete.  If not deleted, but verified, send HIPAA letter (Whychat's process - insert b). 
  2. Dispute valid but unpaid medical collections because you need the CRA to verify the balance.  There may be no valid balance due and the CRA will delete.  Only after the CRA has verified and you agree that the amount is correct is the HIPAA letter sent with payment (Whychat's process - insert a).  The payment amount should be the same amount as was verified by the CRA and on your CR.
  3. If the medical collection account is "not mine" or inaccurate, you need to have disputed the medical collection listing with the CRA.  Only after the CRA verifies and does not delete an invalid or inaccurate medical collection do you send the HIPAA letter (Whychat's process - insert a or b).


Message Edited by dwarfess on 01-26-2008 04:32 AM
Frequent Contributor
Posts: 408
Registered: ‎10-31-2007
0

Re: PRE HIPAA MEDICAL DISPUTE?

Should this medical dispute be made CMRRR?
Regular Contributor
Posts: 149
Registered: ‎11-03-2007
0

Re: PRE HIPAA MEDICAL DISPUTE?

IMO - Just CM
 
Some posters have complained that CRA's have requested "proof of identity" when they receive HIPAA and Pre-HIPAA letters.  IMO - Reword Whychat's letters to CRA's to begin as follows:
 
Dear CRA,

My name is xxxxx xxxxx and my SS # is xxx-xx-xxxx.  I have attached copies of my driver's license and social security card as proof of identity.

I have sent this letter Certified Mail # xxxx xxxx xxxx xxxx xxxx to ensure your receipt.

Note:  Your drivers' license must have your current address.  If you don't have your SS card, then change wording to "recent utility bill".  The utility bill must be within the last 2 months and addressed to you at your current address.

Frequent Contributor
Posts: 408
Registered: ‎10-31-2007
0

Re: PRE HIPAA MEDICAL DISPUTE?

thanks

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

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.