fighting the collections beast
December 13, 2011 2:43 PM Subscribe
Hospital bill collection blues. Am I in the legal right here?
posted by anonymous to work & money (9 answers total)
Went to the ER. Didn't have my insurance info on me at the time, so I temporarily registered as a self-pay, and they told me I could get them my information afterwards. I ended up getting them that information approx. two and a half months later. The filing deadline for my insurance company was three months. When I receive a bill for the full cost of the medical procedure, I find out that not only did they not file in time, but they filed two months after I gave them the information. This has just now gone to collections.
Who's in the right? I understand that it wasn't wise to wait so long, but from my perspective someone at their hospital presumably gets paid to make sure they are on top of sending insurance information out. If they had two weeks to do so, it's not my problem that they dropped the ball. I dropped the ball in a way, too, but that fudge factor is the reason the insurance company has a filing deadline of three months rather than two days, right?
Who should be legally responsible for the costs? And more importantly, regardless of that, do I have any chance fighting this? I called the collections agency to politely but firmly explain my dispute as soon as I heard from them, and I am sending them a written dispute ASAP as well.
This is a non-trivial amount of money, not the kind where you can suck it up and pay off just to be rid of the annoyance. This happened in Massachusetts, if it matters. YANML.