Medical collection question

[700bound09]

Is the med collection on your reports? Yes

Is it paid or unpaid? Unpaid

If paid, who did you pay, the OC (original creditor: doctor, dentist, hospital, etc.) or the CA (collection agency)?

If unpaid, do you have the money to pay it off in full? No

Do you remember the date(s) of treatment? Yes

Have you ever disputed the med collection? If yes, when and how? No

If you did dispute the collection, is it currently marked as "disputed and/or verified" on your report(s)?

Have you ever requested debt validation from the CA? No

Back in 04, I went to the emergency room and was treated for servies.

I had recently started a new position and was covered but had no insurance card to give the hospital etc. I advised them that I was with XXX insurance and gave them the # for verification. What paperwork I thought I had I must of thrown away etc from the date of rendered services (for records on my behalf)

Months went by and I had received a denial claim from my previous insurance carrier for services rendered back in 04. What had happened is the hospital filed under the wrong insurance company and did not file under the correct insurance company.

This has now appeared on my credit report and I'm in the process of cleaning this up to apply for a mortgage. Now I have proof that I had coverage with my insurance company during the time services were rendered.

How can I go about getting this removed from my report with or with out having to pay the full amt owed for the services rendered. Now since this wasn't filed with the correct insurance company shouldnt the hosiptal be at fault for this?

Also, would I need to remove this when applying for a mortgage?

Any help would be appreciated.

Message Edited by 700bound09 on 05-08-2009 05:41 AM

[Anonymous]

Call the hospital and ask them to resend the claim to the correct ins.co. I would also mail a letter asking for the same.  this letter should be mailed CM so that you have proof that they received all the correct info.

[700bound09]

Isn't there a certain timeframe that claims need to be filed by?

I'm just afraid since its been 5 years the insurance company will deny this and then I'll be stuck having to pay this etc.

[700bound09]

So I called the hospital and explained the situation. They advised since services were completed in 4-04, that the insurance company would deny the claim and I still would be liable to pay the amounts owed etc. (take note they sent a notice to an incorrect address and the phone # they had on hand to contact me was incorrect)

I then have called the correct insurance company to see if they would allow to resubmit the claim, well they advised that the hospital could submit the claim but this does get denied, they would then have to show proof that they tried to submit the file in a timely manner (but since they submitted to the wrong insurance company, I would think this would get denied)

I'm debating if I should just send a PFD letter advising I would pay a percetage of the owed amount since this is been almost 5 years ago. I know this is uncollectable debt and the CA would be in a win win situation. Any suggestions?

Message Edited by 700bound09 on 05-11-2009 03:15 PM

Message Edited by 700bound09 on 05-11-2009 03:36 PM

[700bound09]

bump