- 4 years ago
- Wedding: November 2015
This is the first and hopefully last time I will have to post anything like this, but I need help.
The backstory: When I got my first big girl job in 2011, I received insurance through my company. I was covered by my parent’s insurance too, but my work insurance became my primary. I was generally uneducated in how insurance worked, so on one occasion I went to the doctor and they asked for my insurance. I realized that I’d left my primary (work) insurance card at home. I told them this but said, “Oh hey I have my other insurance card (parents), can I use that?” They said yes. They didn’t indicate that the policies weren’t interchangeable. After it worked that time, I just kept using my secondary insurance card–it was the one that was on file most places and since the initial doctor’s office had used it seemingly without issue, why wouldn’t I? I realize that it was my own fault for not knowing the policies, but no one who works in the insurance departments at the doctors offices said anything either when they verified my insurance.
The problem: I used my secondary policy at several doctors offices (and for one major surgery). My secondary company initially paid everything, but upon realizing that I had a primary, they took back their payments. The doctor’s offices never contacted me to verify a primary policy. Instead, the accounts went into collections for amounts ranging from $100 up to over $1,200.
My actions: At first (around this time last year) I paid as many as I could just to try to get them off my back. I mean, all of a sudden debt collectors were calling me several times a day, and this terrified me–I pay my bills on time and I’m not in any debt besides student loans, and even those are halfway paid off 3 years after college. So yeah, it scared me. Like I said I paid the ones I could, and I began calling all of the offices to update insurance info and let them know the issue. Some offices were great about refiling immediately, and I even got a refund check from one of them for the money I’d paid out of pocket. Now, I’m down to 3 left outstanding. One is small enough that I’m going to be able to pay to avoid any further action. One of the others has a really nice office staff doing their best to work with me and the situation, so we’re hopefully on the verge of finalizing that one as well without me having to pay out of pocket. The final one, however, is the problem.
My issue: I had a bill from one anesthesia service for ~$900. It was billed to my secondary, that was taken back, and the account went into collections. When I got the collections notice I called the collectors, let them know the issue, and told them I was calling the medical office asap. They put a hold on the collection to give me time to talk to the medical office. I called the office, explained everything, and did what they told me to do (update coordination of benefits, and call them back so they could refile). I did that, left a detailed voicemail, and asked that they call me back to confirm. I never heard back but I left a second VM just to be sure.
2-3 months have gone by, and I’d never heard anything else or received any additional billing. I hoped and thought that it had been settled. Monday I received a letter stating that the office is suing me for the ~$900 balance. I called them immediately and explained what I just told you guys, and they told me to email them my correct insurance info for that primary coverage at the time of service. I did. I requested that they email me back with a statement saying it is being handled. They did. I even called the next day to triple confirm that my information had been rebilled; I was told that yes it was submitted, and that they’d called the collections agency to stop the collections as well. Great! Except, yesterday, I got served with a court summons and I’m still apparently being sued?? I called the lawyer who is handling the case three times and he has not answered or returned my calls and voicemails. I am terrified! I don’t want to go to court, I’m scared of having to pay all this money over a billing error that I’ve worked very hard to correct, and I can’t even get the lawyer to call me back.
Help me bees–can they really sue me for this? Do I have a leg to stand on? What do I do? I really want to sue them right back for damages! Their lack of organization (not refiling when they said they would, no one answering my calls, etc.) has caused me to have to take time off of work to track down paperwork for them, they’ve blown up my phone, not to mention the emotional and financial distress it’s caused.
To anyone that read this all the way through, thank you so much.
- This topic was modified 3 years, 8 months ago by MrsHalpert.