Need some help medical collection please advise

[Jnbmom]

My daughter is under my health insurance . She had shoulder issues that began when she was a minor, she had surgery right after she turned 18. I am pretty sure I paid this bill as the bills always came to me with her listed as patient.  

She applied for a student card and was denied we pulled her free equifax and there is a collection on her report. I will call in morning to inquire to see if that in fact wasn't paid but I am pretty sure I paid it. This doesn't appear on mine.

What can I do she should not get dinged for this  I am responsible for her medical insurance and bills? She shouldn't start out with ruined credit I feel awful if this isn't paid

Now if I owe this I will gladly pay it but don't want her punished .

Advice needed please.

[DollyLama]

Do call as you stated. If anything is in fact owed, not paid by insurance, the best is to try for a pay for delete. Plead she was a student, under your medical insurance, responsible for co-pays, co-insurance. Gladly will take care of bill in full, with preferably written agreement (can be email) that they will remove it from all 3 reporting bureaus. Good luck!

[Jnbmom]

Ok I called today they said they would not delete just marked as paid I tried my darnest to explain things because even though she was 18 when surgery was done, I know we had started this journey was she was 17 ( injections PT) and decided prior to her 18th BD to so the surgery as I recall I signed alot of paperwork in regards to this, not sure if I can get my hands on it or not.

I feel absolutely terrible that I neglected this bill and she should not be punished before she even starts out

The only good note is I had a medical collection a while back same company and I paid it when I saw on report the lady said they would report as "paid" I disputed it was deleted, so I am hoping to do the same with this. I paid this morning and immediately disputed it "stating this was my mother's responsibilty under her insurance and it is paid" in her words. If that doesn't work will move on to the minor aspect.

Anybody suggest anything else I can do?? I don't want this hurting her over my stupidness

[DollyLama]

Is the bill a fairly small amount or well into $1000+

You remarked about her turning 18 and a student card, so I'm thinking it has not been several years ago. Can you contact your insurance company that pay before the co-pays, stating she was covered under your plan and if you can obtain her record (or she can obtain them) showing the part: Responsible Party. 

Who is the collection agency?

Did you pay even though they stated will not pay for delete (possible losing leverage) or have not as of this point?

[Jnbmom]

The amount is 320.00, The agency is credit control Corporation out of Newport News, VA they collect for Sentara medical billing.

 I realize I lost leverage paying, I just wanted to pay what I owe given they had it in her name. I have gotten tons of bills from Sentara and them over the past year and have paid them over 1000 so I think I just let this one slip by. I had 2 other collections pop up last year on my reports from them (daughters bills), I immediately paid them and disputed them and they were removed within days . I am hoping and praying that the same thing will happen with her reports.

I am going try and contact my insurance company and see if they can help. I realize she was 18 when the surgery was performed so techinically they can bill her, but  my goodness it is my insurance and I am repsonsible for her and her medical bills and this began when she was 17 with her shoulder, heck she was still in high school.  Not sure what else I can try I mean I know the bill is legit . heck they can take it off hers and put it on mine!!! I don't want her credit damaged because of me.

Thanks for you time on this

[RobertEG]

I would do my best to attempt to get the debt paid via insurance.

The new CRA policy is that a medical collection, if shown to have been paid by insurance, will be deleted from your credit report.

[Jnbmom]

Thank you. Unfortunately I believe this was part of the bill that was not paid by my insurance, we hadn't reached our deductible. I just pulled up our claims this is scary, they were several bills for her physical therapy that we NEVER received, this is a giant mess. I am going to have to call Sentara and find out what bills are what, what I have paid what is owed and what bill the collection agency collected for grrrr.

But I am hoping that this account which is the only one on her report comes off from our disputes.

[Jnbmom]

Update. This has been deleted from her TU😊😊😊😊now hoping the other 2 do the same. Will keep you posted 

[Pikaboo-icu]

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@Jnbmom wrote:

Update. This has been deleted from her TU😊😊😊😊now hoping the other 2 do the same. Will keep you posted 

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Yay happy to read that..

I've been following this- even though I didn't post in it..

Good Luck on the others..  

[Jnbmom]

Thank you. I just pray the others  do the same, I have had a previous collection with this company in the past and they deleted as soon as I paid so I am hoping they do the same here.