I have a medical bill that just got paid from over a year ago. It took the insurance company a long time to pay it. The medical bill showed up on my credit as a delinquent account. Is there any recourse for this.
--------------------
The FIRST thing I would do is change insurance companies. A reputable company pays pretty quickly, unless your application for payment was in error (meaning you've tried to bilk the system). For instance - the last medical claim paid to my family was accomplished in about 72 hours after the incident - no questions asked. Second - depending on the program, you may have been caught in a "which insurance covers the bill" condition. This can happen when part is to be paid by employment-related coverage and part is through personal insurance coverage. Usually the personal coverage takes longer to get squared away ... but a year is far too long, even for this. Something else to watch for is that there are no conditions on which providers you use - or which services are covered by the premium. Lastly - communicate with all parties (medical provider, creditor, and insurance company) to see why the delay occurred. Stay on them every day until you get an answer ... it'll be a pain for you, but more of a pain for them. Also see if the creditor will affect changes to the report, based on the findings from your conversations. Make the initial communication by letter - but call them to let them know a written request is coming. Keep a record of the written responses (if you receive any) during the process. You MAY have a case, but only after you've got the paper trail.
Source
No comments:
Post a Comment