U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > General Forums > Economics > Personal Finance
 [Register]
Please register to participate in our discussions with 1.5 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
Jump to a detailed profile or search
site with Google Custom Search

Search Forums  (Advanced)
Business Search - 14 Million verified businesses
Search for:  near: 
Reply Start New Thread
 
Old 05-11-2008, 07:06 AM
 
Location: Sunny Naples Florida :)
1,462 posts, read 116,955 times
Reputation: 513
Default Wouldn't reporting medical bills be a HIPAA violation?

Because of some unfortunate events in 04 I aquired about $ 75,000 in medical bills (thats what insurance wouldn't cover) . This is the only "credit" I have.. Obviously I can't pay that.. My husband and I would like to buy our first home and cars etc but I can never get approved for anything because some have gone to credit collection. And its hard for my husband because I was out of work for 4 years because of my medical issues. I've never even had a credit card offer ever (I'm 25).
Its just impossible to pay for every single bill every month..

Wouldn't having medical bills come up on your credit technically be a HIPAA violation? People should not be knowing my medical issues and I would think bills would be part of that. Its not like I'm out there with a credit card buying all these things and then not paying my bills down. There are jobs that do credit checks and I have been questioned what my medical problem is while being interviewed because they questioned me about my credit.. How is this legal?
Reply With Quote Quick reply to this message

 
Old 05-11-2008, 09:33 AM
 
Location: Texas
8,063 posts, read 11,244,318 times
Reputation: 3536
Wow, that's a good point! I never thought of it. I'm disabled and have medical bills, too, which I am paying off slowly. But you're right -- when I was talking with a rep. from my credit card company she asked about my health situation!!! That SHOULD be illegal!!!
Reply With Quote Quick reply to this message
 
Old 05-11-2008, 12:14 PM
 
13,504 posts, read 24,628,462 times
Reputation: 7789
Interesting Question and I will run it by my HIPPA coordinator on Monday...

On the face of it, I think it wouldn't apply because medical bills do not necessarily pertain to one's health or Medical History... Often a parent or grandparent is the responsible party for a child or dependant...

I don't deal with HIPPA directly, but my understanding is that HIPPA does have exemptions such as government entities, insurance and medical billing companies...
Reply With Quote Quick reply to this message
 
Old 05-11-2008, 01:02 PM
 
4,503 posts, read 6,058,801 times
Reputation: 3043
hmmm, money v. ethics . . . . in Amerucka?

Not too hard to guess which way that tree is going to fall.

One Nation Under the Dollah, Baby.

Look, the whole medical industry -- AMA, Insurers, Pharmco, and all the rest have lied, cheated, stolen and killed to get in the position where they are set up to screw over and cheat as much of America as they can. Does this sound like the pack who would close a path to advance their cause on the basis of . . . . ethics?

Generally when you fight the gouging (er, ah "billing") they quickly settle for the basic insurance payment, because they made bank on that already. You are just fighting with the rats and cockroaches over the crumbs from the cake. If they get too obnoxious sue them for bad billing and bad faith collections. They will drop you so quick it will amaze you. And then they will try to gouge someone else.
Reply With Quote Quick reply to this message
 
Old 05-11-2008, 04:20 PM
 
Location: Boise, ID
1,355 posts, read 3,794,087 times
Reputation: 828
In a job interview I would think it would be okay to ask about the bills but not to ask about specific medial issues. If you are interviewing with a small company then they might not be up on all the laws. After all, there are thousands of laws and regulations and if HR is not handled by a specialist then they might not be aware of all the laws.

As for creditors, they don't have a right to know specific medical conditions either. But they have a right to assess your ability to pay. Outstanding bills are a part of the equation, even if you would pay them if you could.
Reply With Quote Quick reply to this message
 
Old 05-11-2008, 04:43 PM
 
Location: Ohio
10,301 posts, read 5,616,012 times
Reputation: 5858
Quote:
Originally Posted by Tarastomsgirl View Post
Wouldn't having medical bills come up on your credit technically be a HIPAA violation?
No, it's already been litigated.

Besides, when you signed all those forms at the hospital you granted consent and waived your rights to allow 3rd parties access.

Even so, hospitals are quite concerned about the release of information and collection agencies get only that information which they need to know to collect the debt.

My advise, file bankruptcy. There's a point where realism comes into play. If you cannot realistically pay off the debt within 7 to 10 years, then bankruptcy is a real consideration.

An alternative would be to consult WITH AN ATTORNEY FOR A PAID WRITTEN LEGAL OPINION concerning the statute of limitations on the debt.

I bolded that because that is exactly what you say, "Hello, Mr. Attorney, I would like a WRITTEN legal opinion on the statute of limitations for this medical debt and here are all the documents involved."

Why do you want a WRITTEN legal opinion? Um, legal malpractice? Thank you very little.

If it should be that the statute of limitations is less than 10 years, perhaps it's only 4 years, then you're best bet would be to tough it out.

And for god's sake, unless you have the charisma, personality and verbal communication skills to walk out onto the street right this minute and convince 100 people to follow you into Hell armed with only a butter knife, don't talk to the debt collectors.
Reply With Quote Quick reply to this message
 
Old 05-11-2008, 04:52 PM
 
Location: Columbia, California
6,529 posts, read 14,187,038 times
Reputation: 4586
When I bought my home I had a few negatives from medical. The loan officer said that medicals do not really count as much.

Your husband may need to purchase on his own credit.
Reply With Quote Quick reply to this message
 
Old 05-11-2008, 05:51 PM
 
3,674 posts, read 6,832,432 times
Reputation: 2550
Quote:
Originally Posted by Tarastomsgirl View Post
Because of some unfortunate events in 04 I aquired about $ 75,000 in medical bills (thats what insurance wouldn't cover) . This is the only "credit" I have.. Obviously I can't pay that.. My husband and I would like to buy our first home and cars etc but I can never get approved for anything because some have gone to credit collection. And its hard for my husband because I was out of work for 4 years because of my medical issues. I've never even had a credit card offer ever (I'm 25).
Its just impossible to pay for every single bill every month..

Wouldn't having medical bills come up on your credit technically be a HIPAA violation? People should not be knowing my medical issues and I would think bills would be part of that. Its not like I'm out there with a credit card buying all these things and then not paying my bills down. There are jobs that do credit checks and I have been questioned what my medical problem is while being interviewed because they questioned me about my credit.. How is this legal?
No, it's not a HIPAA vilation.
Reply With Quote Quick reply to this message
 
Old 05-11-2008, 06:11 PM
 
4,248 posts, read 6,460,042 times
Reputation: 1388
Quote:
Originally Posted by ferretkona View Post
When I bought my home I had a few negatives from medical. The loan officer said that medicals do not really count as much.

Your husband may need to purchase on his own credit.
This is true (at least at the bank where I worked and we had access to every negative factor in someone's bureau). But there is a difference between a few hundred dollars and large amounts.
Reply With Quote Quick reply to this message
 
Old 05-12-2008, 08:15 AM
 
3,556 posts, read 6,702,617 times
Reputation: 2262
Hospitals can't say why you were in the hospital, but they can say that you were.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:


Over $84,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > General Forums > Economics > Personal Finance
Similar Threads

All times are GMT -6.

2005-2014, Advameg, Inc.

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25 - Top