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jbrown773
Posts: 159
Registered: ‎09-14-2013
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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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guiness56
Posts: 22,406
Registered: ‎01-17-2008
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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.

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jbrown773
Posts: 159
Registered: ‎09-14-2013
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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. 


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guiness56
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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.

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J_G
Posts: 185
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Re: How far back can insurance cover medical bills?

HIPAA law letter will get it removed paid or not!
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guiness56
Posts: 22,406
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Re: How far back can insurance cover medical bills?


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

Not necessarily.

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ChistineNJ
Posts: 160
Registered: ‎04-04-2013
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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.
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ChistineNJ
Posts: 160
Registered: ‎04-04-2013
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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.
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 Pre BK score: 565 (Credit-Infonet)
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Scores: TU 591, EQU 579 EXP 516
BK D/C: 6/21/2013
Post Clean up Scores: TU 569, EQU 553 EXP 587
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6/28 Capital One $300.00
7/ Fp $700.00
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guiness56
Posts: 22,406
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Re: How far back can insurance cover medical bills?

[ Edited ]

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.

Regular Contributor
ChistineNJ
Posts: 160
Registered: ‎04-04-2013
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Re: How far back can insurance cover medical bills?

Guiness56 absolutly correct! Thats what i meant :smileyhappy:
 Cap1 1500.00, CU card 800.00, express 250, nrewards 2500.00, VS 500.00, quicksilver 1500.00, BML 500.00, CB Loan 1000.00

Starting Score: 553
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 Pre BK score: 565 (Credit-Infonet)
Filed Bk : 3/26/13
Scores: TU 591, EQU 579 EXP 516
BK D/C: 6/21/2013
Post Clean up Scores: TU 569, EQU 553 EXP 587
New Accounts
6/28 Capital One $300.00
7/ Fp $700.00
9/11 Express Retail Charge $250.00
10/28/13- nfcu nrewards $500.00

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