Health Insurance Billing problems
I'm having some major issues with a billing company and a collection agency for medical bills. Sorry this is long winded, but I needed to get it all out.
So I got really sick in Dec 2009 when I was living in Asheville, NC (thus NC insurance laws) and went to the DR. several times. My insurance changed from being a company sponsored plan to being a cobra plan starting in 2010. For whatever reason, my doctor kept screwing up how the claims were processed (due to the different plan, dr not sending requested info, etc) and I kept getting bills with different amounts and such. Each time I called both the insurance and dr office and was told they would look into it and resubmit it. Let me also include the fact that my doctor uses a billing company to process the claims and couldn't even tell me any information about my bill, so I had to start going through this company.
Then in Late nov 2010, I get a nasty letter from a collection agency. I was never even warned my account was going into collections and I thought it was finally taken care of because I wasn't getting anymore bills. So I call them up and my insurance. The collection agency tells me if its paid within 30 days it wont touch my credit. My insurance FINALLY got their act together and the latest a claim was paid was dec 15 2010. I have the documents to prove it. I thought all was sorted out and well.
Then in January I got a call from the collection agency. And they are telling me it wasn't paid etc. I had a feeling they touched my credit, and sure enough when I pulled a report up they did. What pissed me off though was that they didn't touch it until January, almost a month after the last bill was paid. So I call the billing company up and they say it was paid and all should be right in the word and since I had been trying to work with them and was paid before their set deadline it would be taken off my credit and I'd get a letter saying such.
Come February, the collection agency calls start again. Same crap, I call the billing company, am told its taken care of and they sent notification to the collection agency. March, same routine again. Finally its April and the same crap is still going on.
I don't know what to do at this point. I feel like I have no power and I'm sick of being harassed for something like this. My parents suggested contacting the attorney general. But I wasn't sure if that was the right place to go. Once this is sorted out I will be putting in a complaint with them on the fact that I was never told that my account was at risk of going into collections, and there's nothing on any of my bills that even state that if it isn't paid in X time it could risk going to collections.
SOOO. If anyone has any advice or suggestions they could offer me to get this straightened out, I'd really appreciate it, I also appreciate you taking the time to read this.
Last edited by saucystargazer; 04-22-2011 at 01:38 AM..