Anthem Insurance/Debt Collector Question..I need advice!

posted 2 years ago in The Lounge
Post # 2
Member
395 posts
Helper bee
  • Wedding: December 2014

Once the billing dept gets the correct info, have them contact the debt collector to remove you from the list. since they will be paid the 70% from the insurance company, they shouldn’t also be getting the fee (up front) fromthe debt collector. the debt collector could also want to see proof of payment when it’s all settled. And don’t take no for an answer from either source even if you need to speak to manager after manager. 

Post # 3
Member
41847 posts
Honey Beekeeper
  • Wedding: November 1999

 You should also acces your credit report and if this has been filed to your account, add a note to clarify and insist that the clinic, insurance company and debt collector do the same.

Post # 4
Member
3361 posts
Sugar bee
  • Wedding: December 2014

JsDragonfly:  Something similar happend to me with my health insurance and my bill ended up going to collections. Generally, you have 30 days to contest a debt or resolve it with the collections agency before it will get reported on your credit. You really don’t want this to go on your credit, as it is very hard to get it removed once it’s on there, even if you have a legitimate claim that it’s false. You can send a letter to the collections agency contesting the debt, that should back them off for a bit and potentially delay credit reporting. The doctor’s office is the one that needs to remove your account from collections though. Paying the debt collector within 30 days will also prevent it from getting reported on credit, but you will most likely never see that money again, as you said.

Edit to simplify: Send a letter to dispute the debt with the collection agency within 30 days from when they first contacted you. This will stop them from contacting you until it is investigated. In the meantime, get the doctor’s office to remove the debt from collections.

  • This reply was modified 1 year, 10 months ago by  SithLady.
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