I've been through all of this only it was with a hospital, and my insurance DID cover it, and they were late paying the bill and the hospital sent collections after me....and after a long (3 years) drawn out fight, the insurance paid what they were supposed to pay in the first place, but because of the friggin (insert other derogatory terms here) system and how screwed up it all came, I ended up being responsible for all interest and legal fees associated with the collection, even though the insurance was clearly in the wrong.
Throughout all of this, the lesson learned is keep track of EVERY conversation, email, piece of paper, cancelled check, people's names, no matter who it was, whether secretary or someone important, phone numbers, dates of calls, etc. Put it in diary format ... And this is the only ammo and evidence you will have to defend your situation. Another handy trick is to find a lawyer friend or even a para-legal, and have them write an official letter and provide copied proof of the above stuff. This can sometimes help. OH! And the next really IMPORTANT step is to write the insurance regulations company a really SCATHING letter (preferably from said lawyer friend on their stationary) includding a copy to aforementioned friggin insurance company .... Lot of work, but may well be worth the payoff. Sorry pal ... It's a tough fight. Erika With a K Todd, nuke all insurance companies, please!!!!! ------------------------------------------------------------ >>| -----Original Message----- >>| From: fluffy bananachunks [mailto:[EMAIL PROTECTED]] >>| Sent: Monday, June 24, 2002 3:21 PM >>| To: CF-Community >>| Subject: stupid credit people. >>| >>| >>| Okay. So my GF's health insurance sucks ass. Always has. >>| Can't say >>| Earthlink/MS has ever been any good in that respect. So, >>| like usual, >>| she goes to the doctor, has some form of checkup, and finds >>| out about 2 >>| months later, that her 'insurance' didn't cover something, >>| again. About >>| $130 or so. Can't remember the exact details (this is from several >>| years ago), but she ends up eventually sucking it up and >>| paying them. >>| Well, a month or so later, she gets a collection notice in the mail >>| about the $130. The jibbs and jabbs with them on the phone >>| about how it >>| was taken care of, contact the medical facility where it >>| all started, >>| and end up dropping the collection. For some half baked >>| reason, the >>| Med. facility gets it in their head that they owe her the >>| $130, and send >>| her a check... *rolls eyes*. She tries calling them and >>| explaining to >>| them that they didn't owe her the money, and they have no clue what >>| she's talking about. Somehow, I talk her into /not/ cashing the >>| check... About 3 months later, she is in collections again for the >>| $130, because of the check they sent her. She jumps thru some more >>| hoops, and proves that the check was NEVER cashed and that >>| she did pay >>| them the original $130... The collection agency says >>| thanks, we got all >>| the info, if we need anything else, we'll let you know. Her credit >>| report eventually showed the change, and all is well. Now, 2 years >>| later, she gets a collection mail from a new company that >>| took over all >>| of that old company's collections, and they want their >>| $130!!!! WTF??? >>| And, as per always, they are the rudest f***s on the phone, and >>| you're totally at their mercy, and they don't wanna f***ing >>| work with >>| her on it... They are saying it's up to her to prove that >>| she doesn't >>| owe this money (again!)... Is there something that she can >>| do to avoid >>| the impeding sh*t that I can see we're going to have to go >>| thru about >>| this...? ______________________________________________________________________ This list and all House of Fusion resources hosted by CFHosting.com. The place for dependable ColdFusion Hosting. Archives: http://www.mail-archive.com/[email protected]/ Unsubscribe: http://www.houseoffusion.com/index.cfm?sidebar=lists
