Completed the HIPAA Letter process - need additional help!

[Rebs6767]

Hi everyone...I need some additional help.

I have completed the Medical Collections & HIPAA letter process with some success.  I had accounts reporting from several CA’s.  The others were deleted from my reports, but I have 6 accounts remaining from 1 CA.  Here is the process I followed

Detailed HIPAA process

1/15/2009 - Completed step #1 & 2

1/21/2009 – step #3; sent pre-HIPAA letter CM

2/4/2009 - Experian sent letter stating they verified the account

2/18/2009 – Scenario #3 & sent Alternative Med DV letter to CA (CMRRR)

2/26/2009 – Sent Follow-up Dispute letter to CRA (CMRRR)

3/16/2009 – received CM from Nationwide; Validation of Debt.  Letter included copies of itemized invoices & description of medical treatment & codes

3/23/2009 – received letter from Experian stating “We have already investigated this info and the credit grantor has verified its accuracy”

 These six paid accounts remain on my Experian report.

Nationwide Credit & Collections (reporting)

    OC – Loyola Hospital              Status – Paid (Nationwide) 9/26/2008

    Date of Service  9/2006            Amount $53                 Balance  $0

Nationwide Credit & Collections (reporting)

    OC – Loyola Hospital              Status – Paid (Nationwide) 9/30/2008

    Date of Service  11/2006          Amount $42                 Balance  $0

Nationwide Credit & Collections (reporting)

    OC – Loyola Hospital              Status – Paid (Nationwide) 9/30/2008

    Date of Service  12/2006          Amount $42                 Balance  $0

Nationwide Credit & Collections (reporting)

    OC – Loyola Hospital              Status – Paid (Nationwide) 9/30/2008

    Date of Service  12/2006          Amount $42                 Balance  $0

Nationwide Credit & Collections (reporting)

    OC – Loyola Hospital              Status – Paid (Nationwide) 9/30/2008

    Date of Service  1/2007            Amount $42                 Balance  $0

Nationwide Credit & Collections (reporting)

    OC – Loyola Hospital              Status – Paid (Nationwide) 9/30/2008

    Date of Service  2/2007            Amount $42                 Balance  $0

[fused]

No you're not done with the HIPAA letter process! Before I can give you some advise, are you certain the CA's validation was complete and accurate. The reason I ask this is because you have 5 out of 6 paid med collections with the same CA that were for the exact same amount, $42. Can I ask what all of these collections came from.

[Rebs6767]

The $42 charges were from a series of lab tests; 4 or 5 weeks apart

[fused]

I realize your collections have been marked as verified, but EX should re-investigate because there is new information, the HIPAA letter.

Since the CRA verified your unpaid (and in rare instances, paid ones too) med collections and the reporting CA provided a complete and accurate validation of the account, send the HIPAA LETTER TO THE OC to the OC CMRRR. Since all of these are paid, use insert B.

Normally I don't recommend this, but you can write one HIPAA letter for all six accounts. Once you receive the green cards back from the HIPAA letter to the OC, send this letter to the CRA CMRR.

FOLLOW-UP DISPUTE LETTER TO THE CRA

Be sure to attach a copy of the green card from the OC HIPAA letter to your follow-up dispute. Wait up to 35 days for the CRA to complete their investigations or delete the collections. 

Depending on the outcome of the these disputes, your collections will be deleted, your collections are no deleted and you'll need to file a HIPAA complaint against the OC or file a complaint against the EX with the FTC, or both.  

[Rebs6767]

Thanks for your help.  I'll send out the HIPAA letter to the OC tomorrow.  This is a powerful letter, I'm hoping for great results...Thanks Again fused

[fused]

Your situation is unique in that a CA sent full validation on a paid collection. This does not happen often. You have clear evidence that the OC and CA still have a business relationship as it pertains to your PHI. This is an absolute no-no. I hope the OC understands what they're doing is in violation of the Privacy Acts of HIPAA.