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Negotiating Medical Debt Payment?

Posted by AHT on Oct 26th, 2009 and filed under Health Insurance. You can follow any responses to this entry through the RSS 2.0. You can leave a response or trackback to this entry

Almost two years ago, I had a medical test done in a mobile lab that travels around to different places. My health insurance company ended up denying my claim ,and a billing company began billing me for the cost, which was roughly $3500.
I called up the billing company and asked if they would be willing to accept the amount that my insurance *would* have paid if they had not denied my claim, which was around$2200. They said that I had to send them the request in writing and they would pass it on to the test provider.
I have sent them four different requests for this (three by certified mail) and I cannot get any response other than more bills. Finally I found online the address of the medical provider, and sent them the request directly (instead of going through the billing company). They returned it to me, saying that I needed to send any requests through the billing company.
So far I have been paying between $50 and $100 a month, but am incredibly annoyed that they will not respond to my requests to settle this debt. I’m not sure what else to do.

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1 Response for “Negotiating Medical Debt Payment?”

  1. stellarx says:
    October 27, 2009 at 12:59 am

    my suggestion would be to continue the payments you’re making, they generally will not send you to a debt collector or report to a credit bureau unless you discontinue making payments. send a letter along with each payment stating what you are paying and why– make it a generic letter and make copies for yourself for your records in case they were to take you to small claims court or something of that nature. keep your receipts or check stubs in a folder with those in case you may need them for the same reason. if you have formal written documents stating you contacted them and they don’t have any saying that they contacted you, there’s nothing they can do about it as far as i know. good luck to you!

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