topic Re: HIPAA Question in Rebuilding Your Credit

HIPAA Question

luvs2barre — Fri, 20 Feb 2009 18:32:20 GMT

I've been reading posts and I'm confused as to if you can only do the HIPAA process if you paid the OC and not the CA. My husband has several medical collections that have been paid but all but three were paid through the CA not the OC. Can we still do the HIPAA process?

Also the 3 that we paid through the OC, one of the medical bills were large and they offered a settlement and we took it. So in essence I guess we technically still owe a balance. Can we HIPAA those as well?

TIA!

Re: HIPAA Question

shalane85 — Sat, 21 Feb 2009 05:08:39 GMT

If you settled on that acct you shouldnt have a balance left. I would still go through the HIPAA process b/c by law they are required to remove that from your report once it is paid.

Re: HIPAA Question

kjm79 — Sat, 21 Feb 2009 05:18:18 GMT

shalane85 is correct. The account is paid. So just follow the HIPAA process exactly as outlined.

Re: HIPAA Question

Anonymous — Sat, 21 Feb 2009 19:31:21 GMT

You can use the HIPAA process for all paid medical collections. The one that was settled with the hospital should be concidered paid!!!

Re: HIPAA Question

Anonymous — Wed, 19 Oct 2011 22:40:09 GMT

sorry to be ignorant about it.

But where can I find this HIPAA process that everyone keeps refering to? I googled HIPPA process, HIPAA dispute, etc, etc but all i got were links back to here and other forums.

I'm sure that it's somewhere right in front of my face, I just can't seem to find "the process."

Anyone have a quick link or anything?

Thanks

Re: HIPAA Question

MarineVietVet — Wed, 19 Oct 2011 22:45:02 GMT

@Anonymous wrote:
sorry to be ignorant about it.

But where can I find this HIPAA process that everyone keeps refering to? I googled HIPPA process, HIPAA dispute, etc, etc but all i got were links back to here and other forums.

I'm sure that it's somewhere right in front of my face, I just can't seem to find "the process."

Anyone have a quick link or anything?

Thanks

Due to legal considerations we're very limited at to what we can say here about HIPAA. I know the procedures are out there on the internet but I've never personally looked for it. Hopefully someone will see this and be able to send you a PM (Private Message) with more information,

Good luck to you.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: HIPAA Question

Anonymous — Wed, 19 Oct 2011 23:24:45 GMT

I would love to have the HIPAA information PMd to me as well please. I have one medical collection ($70 for a test I was told was covered by insurance) that I would really like to get removed. So I'd love to know if I should PFD on it or do something else.

Thanks!!

Re: HIPAA Question

LIGHTNIN — Thu, 20 Oct 2011 02:56:31 GMT

@Anonymous wrote:
sorry to be ignorant about it.

But where can I find this HIPAA process that everyone keeps refering to? I googled HIPPA process, HIPAA dispute, etc, etc but all i got were links back to here and other forums.

I'm sure that it's somewhere right in front of my face, I just can't seem to find "the process."

Anyone have a quick link or anything?

Thanks

Hi gainingground, You replied to a thread that is over 2yrs old. These people may or may not, be here any longer.

Check your PM's, I sent you a link where you can find, the info you are looking for.

From what I've read, the HIPAA process works for some people and not for others.

IMO, I think when the HIPAA process started a few years ago, the mention of the word HIPAA scared the OC's and the CA's,into deleting items from CR's. And now since the HIPAA process has been around for awhile, I think the OC's and the CA's are not as quick to delete debt from CR's.

IME, I used PFD letters for my unpaid debts that were with CA's. And used GW letters on the paid CA's.That worked for me.

Do your homework, read all you can about medical debts, before doing anything. Figure out your options and go from there.

Hi ailanna, Check your PM's also..........................Good Luck to both of you! !

Re: HIPAA Question

RW771 — Thu, 20 Oct 2011 14:15:29 GMT

@LIGHTNIN wrote:
@Anonymous wrote:
sorry to be ignorant about it.

But where can I find this HIPAA process that everyone keeps refering to? I googled HIPPA process, HIPAA dispute, etc, etc but all i got were links back to here and other forums.

I'm sure that it's somewhere right in front of my face, I just can't seem to find "the process."

Anyone have a quick link or anything?

Thanks
Hi gainingground, You replied to a thread that is over 2yrs old. These people may or may not, be here any longer.
Check your PM's, I sent you a link where you can find, the info you are looking for.

From what I've read, the HIPAA process works for some people and not for others.
IMO, I think when the HIPAA process started a few years ago, the mention of the word HIPAA scared the OC's and the CA's,into deleting items from CR's. And now since the HIPAA process has been around for awhile, I think the OC's and the CA's are not as quick to delete debt from CR's.

IME, I used PFD letters for my unpaid debts that were with CA's. And used GW letters on the paid CA's.That worked for me.
Do your homework, read all you can about medical debts, before doing anything. Figure out your options and go from there.

Hi ailanna, Check your PM's also..........................Good Luck to both of you! !

Hi LIGHTNIN,

Could you please PM me this info. as well?

Here's my situation: I received a letter from a CA back in 2007 that my son's pediatrician turned over to them for $100. Well I paid it off right after they contacted me (before I knew anything about this forum or being able to request PFD). Here I am 4 years later and it is one of 2 collections I have left on my CR (both are paid). A few months ago, I sent a few GW's to them and never heard back, so I called them to follow up with my letters. The representative I spoke with informed me that the only way they would remove it was if the OC requested for them to remove it. So I was able to get ahold of the retired dr. that sent this collection over and he said he'd be glad to contact them and let them know. So I called the CA back and informed them the dr. would be willing to do this and what he needed to do in order to get this done. They transferred me to the supervisor/owner who told me I was misinformed and they would not delete it under any circumstances, so it was worthless continuing to bother them with this. I figure the HIPAA process is my last resort on this? I know you can't talk much about this, but any help you have on this matter is greatly appreciated! TIA!

Re: HIPAA Question

Anonymous — Fri, 21 Oct 2011 00:11:37 GMT

Just courious but if HIPPA process is a legimate way to remove paid medical bills why is it a legal problem to discuss it?

Re: HIPAA Question

MarineVietVet — Fri, 21 Oct 2011 00:53:26 GMT

@Anonymous wrote:
Just courious but if HIPPA process is a legimate way to remove paid medical bills why is it a legal problem to discuss it?

It is an absolutely legitimate tactic for removing medical collections. The reason we can't discuss HIPAA as we might like is someone from another credit-related forum claimed that we were using their information in an unauthorized manner.

And that's all I can say about it.

Re: HIPAA Question

Anonymous — Sat, 22 Oct 2011 16:26:55 GMT

Thanks for the reply. I think I know the forum you are refering to.

Re: HIPAA Question

Anonymous — Thu, 03 Nov 2011 15:45:41 GMT

@MarineVietVet wrote:
@Anonymous wrote:
Just courious but if HIPPA process is a legimate way to remove paid medical bills why is it a legal problem to discuss it?

It is an absolutely legitimate tactic for removing medical collections. The reason we can't discuss HIPAA as we might like is someone from another credit-related forum claimed that we were using their information in an unauthorized manner.

And that's all I can say about it.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

I have found the reason and I found it pretty interesting! What is unclear to me is if the pre-HIPPA letter is sent to the CRA or the CA? Can someone PM that answer if you do not want to answer publicly. The "official" site left me still wondering. I've already paid the accounts to the CA.

Re: HIPAA Question

Ms-Kato — Fri, 04 Nov 2011 00:37:00 GMT

@Anonymous wrote:
@MarineVietVet wrote:
@Anonymous wrote:
Just courious but if HIPPA process is a legimate way to remove paid medical bills why is it a legal problem to discuss it?

It is an absolutely legitimate tactic for removing medical collections. The reason we can't discuss HIPAA as we might like is someone from another credit-related forum claimed that we were using their information in an unauthorized manner.

And that's all I can say about it.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
I have found the reason and I found it pretty interesting! What is unclear to me is if the pre-HIPPA letter is sent to the CRA or the CA? Can someone PM that answer if you do not want to answer publicly. The "official" site left me still wondering. I've already paid the accounts to the CA.

Send it to the CA and if they don't remove it you can sue them under HIPPA law ...be sure to let them know they are breaking serious laws !

If you want it done faster send it to the CRA but make sure you outline the HIPPA laws that the CA is violating and if

not removed you will include them in the lawsuit..

Re: HIPAA Question

MarineVietVet — Fri, 04 Nov 2011 01:05:35 GMT

@Bluerain wrote:

Send it to the CA and if they don't remove it you can sue them under HIPPA law ...be sure to let them know they are breaking serious laws !

If you want it done faster send it to the CRA but make sure you outline the HIPPA laws that the CA is violating and if
not removed you will include them in the lawsuit..

Remember though that this will only work if the OC has already been paid. If the CA has been paid then all you can do is GW the CA.

BTW it's spelled HIPAA not HIPPA.

Re: HIPAA Question

Ms-Kato — Fri, 04 Nov 2011 01:39:06 GMT

@MarineVietVet wrote:
@Bluerain wrote:

Send it to the CA and if they don't remove it you can sue them under HIPPA law ...be sure to let them know they are breaking serious laws !

If you want it done faster send it to the CRA but make sure you outline the HIPPA laws that the CA is violating and if
not removed you will include them in the lawsuit..
Remember though that this will only work if the OC has already been paid. If the CA has been paid then all you can do is GW the CA.

BTW it's spelled HIPAA not HIPPA.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Yes I'm aware it has to be paid..Hippa Hippa Hooray !

CA don't really respond to GW and if they do they take forever from what I

been reading on other boards...So give them their own medicine ( Threaten Lawsuit ) when they break the laws !

Re: HIPAA Question

Anonymous — Fri, 04 Nov 2011 02:40:03 GMT

I am confused! I am still not sure who I send the pre-letter to.

I paid the CA and not the OC.

Do I send the pre-letter to the CA or the CRA or both?

If I understand Bluerain interpretation, it is the latter.

PLEASE HELP! All I have are medical collections that I need to get off of my CR. Thank you in advance!

Re: HIPAA Question

MarineVietVet — Fri, 04 Nov 2011 02:48:30 GMT

@Anonymous wrote:
I am confused! I am still not sure who I send the pre-letter to.
I paid the CA and not the OC.
Do I send the pre-letter to the CA or the CRA or both?
If I understand Bluerain interpretation, it is the latter.

PLEASE HELP! All I have are medical collections that I need to get off of my CR. Thank you in advance!

Since you paid the CA the HIPAA process no longer applies. You'll have to deal directly with the CA. At this point the CRA has no involvement.

Re: HIPAA Question

Anonymous — Fri, 04 Nov 2011 02:50:33 GMT

Got it! Im all clear!

Re: HIPAA Question

SASD — Thu, 20 Sep 2012 13:52:50 GMT

Hello - I hope I'm posting this correctly. I need a specific answer for an issue. I have been able to take off all but one medical collection account on my credit report. . I have contacted the medical office directly, but they are refusing to recall it from CA after PIF. (I have not yet paid it)

* $69 for a 11/29/10 medical procedure. This is the balance after my insurance paid. It has been reporting by CA since 5/2011, and is now closed. SOL in TX is 4 years.

I am looking for a mortgage and need this off asap. What I would like to do is go into the medical provider office, pay for the bill in full, and get a reciept and a printout of what the charges were for.

I will then file a dispute requesting confimation that the collection item is mine. Since it has been paid, and therefore can no longer be reported, and the collection agency does not have a right to my medical records, will it not then have to be deleted from my credit report.? Thanks in advance for any help.