Author Topic: MD bill from debt collector  (Read 3384 times)

Offline Meno

  • Dansdeals Gold Elite
  • ***
  • Join Date: Dec 2015
  • Posts: 151
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
Re: MD bill from debt collector
« Reply #30 on: February 04, 2016, 08:36:03 AM »
I recently had a sports injury, I called the Dr's office in advance to find out if they were an in network provider with my insurance company. They confirmed that they were. I went for a visit and x'rays and just received a $300 bill in the mail. Is there any way to dispute the charge? If it comes down to it I will just pay the fee because I do not want it to negatively affect my credit. I would appreciate any information anyone may have. TIA

I would call the insurance company and/or the doctor and ask them to explain your bill before trying to dispute anything.

Even when something is covered by insurance, that doesn't mean you don't have to pay anything

Offline Ryan the Yid

  • Dansdeals Gold Elite
  • ***
  • Join Date: Feb 2015
  • Posts: 181
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NJ
Re: MD bill from debt collector
« Reply #31 on: February 04, 2016, 12:08:14 PM »
I would call the insurance company and/or the doctor and ask them to explain your bill before trying to dispute anything.

Even when something is covered by insurance, that doesn't mean you don't have to pay anything

The insurance did cover some, but very little. I asked the DR's office specifically if they are in my specific network, which would mean I would only be charged  a copay (which they did charge me) and they confirmed they were.  I was  then charged a balance over the copay and what my insurance covered . I called the insurance company they said they are not in my  specific network. Oh man, I guess you live and learn.

Offline ckmk47

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2012
  • Posts: 6571
  • Total likes: 295
  • DansDeals.com Hat Tips 3
  • Gender: Female
    • View Profile
  • Location: brooklyn
Re: MD bill from debt collector
« Reply #32 on: February 04, 2016, 12:25:26 PM »
The insurance did cover some, but very little. I asked the DR's office specifically if they are in my specific network, which would mean I would only be charged  a copay (which they did charge me) and they confirmed they were.  I was  then charged a balance over the copay and what my insurance covered . I called the insurance company they said they are not in my  specific network. Oh man, I guess you live and learn.
Call the dr office and try to make a deal.  Be nice, not belligerent. 'So sorry for the confusion when I asked about you being in my insurance network. But I wasn't expecting these charges. Is there something that can be done about it?/ Can I have a discount on it?'

Offline tzifanya54

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jan 2012
  • Posts: 5512
  • Total likes: 135
  • DansDeals.com Hat Tips 1
    • View Profile
Re: MD bill from debt collector
« Reply #33 on: February 04, 2016, 01:29:34 PM »
Call the dr office and try to make a deal.  Be nice, not belligerent. 'So sorry for the confusion when I asked about you being in my insurance network. But I wasn't expecting these charges. Is there something that can be done about it?/ Can I have a discount on it?'
+1 most doctors would be open to some negotiation in your scenario

Offline sguitarist18

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jul 2011
  • Posts: 1336
  • Total likes: 134
  • DansDeals.com Hat Tips 6
    • View Profile
  • Location: NY
Re: MD bill from debt collector
« Reply #34 on: February 04, 2016, 02:00:45 PM »
Interesting, thats illegal.

Don't know if this is relevant, but Some credit card company (maybe Discover?) was calling my mother's house repeatedly, because someone with a similar name to mine had an account with them, and owed money.

Don't know if it would have ended up on a credit report, though.

Offline gozalim

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Oct 2008
  • Posts: 3456
  • Total likes: 202
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
Re: MD bill from debt collector
« Reply #35 on: February 04, 2016, 02:10:47 PM »
Don't know if this is relevant, but Some credit card company (maybe Discover?) was calling my mother's house repeatedly, because someone with a similar name to mine had an account with them, and owed money.

Don't know if it would have ended up on a credit report, though.
it can. you'd have to/are able to fight it.

Offline Ryan the Yid

  • Dansdeals Gold Elite
  • ***
  • Join Date: Feb 2015
  • Posts: 181
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NJ
Re: MD bill from debt collector
« Reply #36 on: February 04, 2016, 02:42:38 PM »
Call the dr office and try to make a deal.  Be nice, not belligerent. 'So sorry for the confusion when I asked about you being in my insurance network. But I wasn't expecting these charges. Is there something that can be done about it?/ Can I have a discount on it?'

Is there any  bureau that governs these type of matters that I would be able to call ? Or Dr's don't need to answer to anyone?

Offline sguitarist18

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jul 2011
  • Posts: 1336
  • Total likes: 134
  • DansDeals.com Hat Tips 6
    • View Profile
  • Location: NY
Re: MD bill from debt collector
« Reply #37 on: February 04, 2016, 02:47:12 PM »
You can call the DOH, and there's generally a local ombudsman. Most practices aren't interested in the hassle, and if they're wrong, and investigation will show it.

Offline Ryan the Yid

  • Dansdeals Gold Elite
  • ***
  • Join Date: Feb 2015
  • Posts: 181
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NJ
Re: MD bill from debt collector
« Reply #38 on: February 04, 2016, 03:25:00 PM »
You can call the DOH, and there's generally a local ombudsman. Most practices aren't interested in the hassle, and if they're wrong, and investigation will show it.

Thats a good idea, Thanks