Credit Cards Center Credit cards from our partners
New Member
Posts: 1
Registered: ‎07-26-2011

Medical Bill was sold to CA but should have been covered by insurance

[ Edited ]

I have a situation where a clinic stated I owed them $500+ for a visit but it should've been covered by my insurance ( I verified the clinic and services rendered fell under my HMO's coverage). I was stupid and did not act immediately and now the debt has gone into collections. How do I go about getting this negative removed? If the insurer pays the clinic how do I take care of the issue with the CA? I believe it was actually just turned over for collections and not sold but I am not sure. I'm working on repairing my credit and can likely get a PFD with one of the other CA's for a different debt but I have no idea how to handle this one.

Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007

Re: Medical Bill was sold to CA but should have been covered by insurance

Welcome to the forums!

I'd suggest reading the following:

Common Abbreviations

Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.

What Steps Do I Take - great for learning the repair process.

and Example letters - PFDs, GWs, DVs, etc.


I'd get a concrete confirmation with the insurer that they paid before sending anything. There's a chance then that the CA would just delete since it was paid before (technically via insurance) the CA was assigned the debt. If paid via insurance, and if the CA didn't delete, then you can always ask the OC to recall the debt and to have them ask the CA to delete.


If the insurance company declines the request, and if you decide to pay, then there are one of two options you can take (you can't choose both). The first is to PIF the debt with the OC and then to follow the HIPAA process to get it off. These forums don't support that info, so google for more info. The other option is to mail the CA a DV letter. If they verify and you agree, then mail a PFD. If they agree in writing, then pay it and they'll delete.


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 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.