In 2005 I saw a doctor and was under the impression he was covered by my insurance. He was not a bill was generated. The bill began at a figure of something like 275.00. Over the past few years I have been on a pre-pay status with the local clinic here in which this doctor was a member. The clinic has a policy whereby everyone in your family is on one account. In 2006 the bill sat at 75.00. It is currently reporting to the credit bureau at 75.00. The policy of this clinic is that you must be in a prepay status when there is an outstanding bill. So even though my insurance covered 100% of some of my 2 children’s visits. I was charged a minimum of 25.00 for each visit and assured that anything covered by insurance would be credited to my outstanding account. I believe that payments that I have made over the last 3 years should have wiped out this debt. I have spoken with an agent at the clinic the first time we spoke she said yes I see a payment that was not credited and your bill is now 43.00. After that combed through my bank statements and showed her proof of several payments that exceed the amount due, she now says that the balance is something like $17.75. I could pay this no problem. But I still believe that they possibly owe me money as there were several appointments that were wellness appointments and covered 100% by my insurance. I am not sure how to proceed. I have begun the process for HIPPA so far I have opted out. I have mailed to the credit bureaus CRR. I want to insure that this is removed from my credit report. The lady I have been speaking with says that it stays on for 10 years. My understanding is that after I pay this off the CRA should not report on it anymore after the HIPPA process is completed. Experts your help is appreciated.
On your credit report, how much does it say you owe? I don't advise using the HIPAA process if you (or your kids) are stilling be treated by the same clinic that's harming your credit. Using the HIPAA process will complicate and/or end your relationship with this clinic. If you can find a new clinic or doctor, let me know. I would be more than willing to assist you with the HIPAA letter process.
This will be your decision. My job is to inform you of what might happen when using the HIPAA letter process. I suppose you could ask the clinic (doctor or billing manager) to have the CA remove the collection from your reports if you pay it, but I wouldn't hold my breath. If they happen to agree to your request, make sure you have it in writing on the clinic's (or doctor's) letterhead.
Like I said, if you want this clinic (doctor) to keep treating your children, using the HIPAA process will really complicate matters. The HIPAA letters are full of demands and threats against original creditors (in your case the physician) and collection agencies.
So I decided to continue the HIPPA process with this baddie. I received my letters back from the CRA saying that the account has been verified. I am not sure which scenario to insert when creating my letter. I think it should be scenerio A becasue the amount that they are reporting is innacurate. Help is greatly appreciated.