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How far back can insurance cover medical bills?

Contributor

How far back can insurance cover medical bills?

I have a collection which says date open 10/1/2011 for a medical bill that I believe my insurance should have covered. Does anyone know how far back insurance companys will go to pay for a medical bill?"


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Current Score: EQ FICO 648, TU 678, EX 663
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Message 1 of 18
17 REPLIES
Epic Contributor

Re: How far back can insurance cover medical bills?

That probably depends on your insurance and the circumstances that lead to it being sent to collections.  Meaning, were they not billed or not correctly?

 

I would still try.

Message 2 of 18
Contributor

Re: How far back can insurance cover medical bills?

I dont believe they were billed. Its a low amount of money I was in the process of sending the CA a PFD, I talked to a rep on the phone and they told me they dont do that but would not let me talk to a supervisor so maybe a formal letter will be better. 


Starting Score: EQ FICO 582, TU 614, EX 528 9/13
Current Score: EQ FICO 648, TU 678, EX 663
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Message 3 of 18
Highlighted
Epic Contributor

Re: How far back can insurance cover medical bills?

A PFD isn't really a formal letter.  It is like a GW letter so keep it nice with no demands.

Message 4 of 18
Regular Contributor

Re: How far back can insurance cover medical bills?

HIPAA law letter will get it removed paid or not!
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12/4/13 - EQ = 625 TU = 648 EXP = 604
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9/30/14 - EQ = 660 TU = 710 EXP = 669
Message 5 of 18
Epic Contributor

Re: How far back can insurance cover medical bills?


J_G wrote:
HIPAA law letter will get it removed paid or not!

Not necessarily.

Message 6 of 18
Frequent Contributor

Re: How far back can insurance cover medical bills?

My friend has this issue, Hospital never billed insurance and send it staright to collections..i was informed that as long as you had insurance at the time you should be ok. The billing dept has to file a claim and they will because they want to get paid..the hippa law also applies.
C1 Venture 15K| NFCU NAV CHECK 15K| CASH REWARDS 5K| CARE CREDIT 3K| NORDSTROMS 1K| LORD & TAYLOR 1100| WALMART 600| TargetRed 500|Rebuilders

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Message 7 of 18
Frequent Contributor

Re: How far back can insurance cover medical bills?

Hippa privacy law: the entry may not be removed but they have to remove identifiying info expample creditor " Holy Name Hospital Cancer Center" <----- the refernce to Cancer Center violates hippa.
C1 Venture 15K| NFCU NAV CHECK 15K| CASH REWARDS 5K| CARE CREDIT 3K| NORDSTROMS 1K| LORD & TAYLOR 1100| WALMART 600| TargetRed 500|Rebuilders

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SCT: VS 1100| EXPRESS 1100| JCREW 250| *HIDDEN TL BML 650

SCORES 709, 657, 623
Pre BK scores: 569, 587, 553
Message 8 of 18
Epic Contributor

Re: How far back can insurance cover medical bills?


ChistineNJ wrote:
Hippa privacy law: the entry may not be removed but they have to remove identifiying info expample creditor " Holy Name Hospital Cancer Center" <----- the refernce to Cancer Center violates hippa.

Yes this is true. Or any reference that could tell others what type of procedure you had or somehow identify an illness.

 

But having a collection for a medical bill is not in and of itself, a violation of HIPAA.

Message 9 of 18
Frequent Contributor

Re: How far back can insurance cover medical bills?

Guiness56 absolutly correct! Thats what i meant Smiley Happy
C1 Venture 15K| NFCU NAV CHECK 15K| CASH REWARDS 5K| CARE CREDIT 3K| NORDSTROMS 1K| LORD & TAYLOR 1100| WALMART 600| TargetRed 500|Rebuilders

CAP1 1650| CAP 1 1100| BARCLAYS 2500| NREWARDS 8500|
SCT: VS 1100| EXPRESS 1100| JCREW 250| *HIDDEN TL BML 650

SCORES 709, 657, 623
Pre BK scores: 569, 587, 553
Message 10 of 18