@scrubs wrote:without med. insur. the collects will just continue in the future and credit scores will always be low. health costs is the number 1 cause of bk.
I somewhat agree with this. I all depends on how responsible the individual is with their finances.
@Open123 wrote:
@LS2982 wrote:
@scrubs wrote:without med. insur. the collects will just continue in the future and credit scores will always be low. health costs is the number 1 cause of bk.
I somewhat agree with this. I all depends on how responsible the individual is with their finances.
Individual responsibility is important, but so is the cost. These days, the cost of medical care is certainly not commensurate with the quality of the care.
I agree. But most companies will work with you with good communication and a payment arragement.
@Open123 wrote:
@scrubs wrote:buy some medical insurance then you wont have future medical collections
You'd be surprised by how large co-pays and assorted other bills that medical insurance doesn't cover.
Or, your doctor's office doesn't code something properly and the insurance company refuses to pay for something that they should cover. I've had that happen. The doctor's office insisted that they used the proper billing code and the insurance company insisted otherwise. If it's something too large to pay for out of pocket so as to protect one's credit, it can wind up as a collection. (Mine was relatively small so I ate it. 
)
@Anonymous wrote:
@Open123 wrote:
@scrubs wrote:buy some medical insurance then you wont have future medical collections
You'd be surprised by how large co-pays and assorted other bills that medical insurance doesn't cover.
Or, your doctor's office doesn't code something properly and the insurance company refuses to pay for something that they should cover. I've had that happen. The doctor's office insisted that they used the proper billing code and the insurance company insisted otherwise. If it's something too large to pay for out of pocket so as to protect one's credit, it can wind up as a collection. (Mine was relatively small so I ate it.
Something of that nature I would dispute if it got on my credit reports after trying to fix the situation with the doctor/ins. company.
@LS2982 wrote:
@Anonymous wrote:
@Open123 wrote:
@scrubs wrote:buy some medical insurance then you wont have future medical collections
You'd be surprised by how large co-pays and assorted other bills that medical insurance doesn't cover.
Or, your doctor's office doesn't code something properly and the insurance company refuses to pay for something that they should cover. I've had that happen. The doctor's office insisted that they used the proper billing code and the insurance company insisted otherwise. If it's something too large to pay for out of pocket so as to protect one's credit, it can wind up as a collection. (Mine was relatively small so I ate it.
Something of that nature I would dispute if it got on my credit reports after trying to fix the situation with the doctor/ins. company.
Understandable reaction, but it won't help, because you can't dispute whether you ought to have been sent to collections. (That's an argument to have with the OC.) You can only dispute whether you actually got sent to collections, whether it was your bill, etc etc.
I'm a coder, and every now and then an insurance company kicks back a bill. I'll take a look at it and see if it can reasonably (and ETHICALLY) be recoded, but IME, most of the time it's because the insurance company doesn't know what it's doing. Often, they don't like the diagnosis code that was linked to the procedure code, so they deny it for lack of medical necessity.
Whenever possible (I know that emergencies are different), get a preapproval from the insurance company before you have anything done. It can save you a ton of grief.
@haulingthescoreup wrote:
@LS2982 wrote:
@Anonymous wrote:
@Open123 wrote:
@scrubs wrote:buy some medical insurance then you wont have future medical collections
You'd be surprised by how large co-pays and assorted other bills that medical insurance doesn't cover.
Or, your doctor's office doesn't code something properly and the insurance company refuses to pay for something that they should cover. I've had that happen. The doctor's office insisted that they used the proper billing code and the insurance company insisted otherwise. If it's something too large to pay for out of pocket so as to protect one's credit, it can wind up as a collection. (Mine was relatively small so I ate it.
Something of that nature I would dispute if it got on my credit reports after trying to fix the situation with the doctor/ins. company.
Understandable reaction, but it won't help, because you can't dispute whether you ought to have been sent to collections. (That's an argument to have with the OC.) You can only dispute whether you actually got sent to collections, whether it was your bill, etc etc.
I'm a coder, and every now and then an insurance company kicks back a bill. I'll take a look at it and see if it can reasonably (and ETHICALLY) be recoded, but IME, most of the time it's because the insurance company doesn't know what it's doing. Often, they don't like the diagnosis code that was linked to the procedure code, so they deny it for lack of medical necessity.
Whenever possible (I know that emergencies are different), get a preapproval from the insurance company before you have anything done. It can save you a ton of grief.
I understand what your saying, but IMO it's not my problem that the Ins. company and the doctors office can't get on the same page. So ruining my credit for it shouldn;t be in the equation unless I decide I'm not going to in good faith try to fix the situation.
If you totally blow it off of course it should go on your CR but if your making strides to resolve the situation and they still do it i'll fight it tooth and nail with the bureaus!
@LS2982 wrote:
@haulingthescoreup wrote:
Understandable reaction, but it won't help, because you can't dispute whether you ought to have been sent to collections. (That's an argument to have with the OC.) You can only dispute whether you actually got sent to collections, whether it was your bill, etc etc.
I'm a coder, and every now and then an insurance company kicks back a bill. I'll take a look at it and see if it can reasonably (and ETHICALLY) be recoded, but IME, most of the time it's because the insurance company doesn't know what it's doing. Often, they don't like the diagnosis code that was linked to the procedure code, so they deny it for lack of medical necessity.
Whenever possible (I know that emergencies are different), get a preapproval from the insurance company before you have anything done. It can save you a ton of grief.
I understand what your saying, but IMO it's not my problem that the Ins. company and the doctors office can't get on the same page. So ruining my credit for it shouldn;t be in the equation unless I decide I'm not going to in good faith try to fix the situation.
If you totally blow it off of course it should go on your CR but if your making strides to resolve the situation and they still do it i'll fight it tooth and nail with the bureaus!
Yup. It just won't work. 
It'll come back as verified.
I found out the hard way that even a legit dispute can get you labeled as a frivolous disputer. For a stretch of time, J.Crew would never update my balances back to $0 after balances posted and I paid them off. It made me crazy to see that balance reported after it had been paid off 2 months before. So the first time, I disputed the balance with all three bureaus, and it got fixed. 4-6 months later, it happened again. So I disputed with all three again, and Experian refused to investigate, saying that they had already done so. No, same lender, different balance and date, doofuses. Nevertheless, they blew it off.