skids wrote:
Just recently it became law that debt owed for for medical expenses is not reported on you credit rating. It used to be that is was reported but not given as much weight as any other debt. Even credit rating institutions know medical debt is BS!
Yes, I'm aware of this. In fact, when I was talking to the first associate, he mentioned that my account status was on "Final Notice" and in danger of being sent to collections. I told him, "since this is medical debt, you have to accept whatever amount I'm able to send you, and not send it to collections, so I guess I'll just have to do that," and then I hung up on him.
I don't have a problem paying what I legitimately owe. After speaking with the other two associates the next day, and getting better information from them than just "you owe it, pay us," I set up a payment plan.
Part of the issue is that my health insurance at the time had a deductible of $1900 (my current plan has a deductible of $1200). Another part is that, because I work for a public school district, my insurance runs from September through August. So it doesn't coincide with a tax year, which makes it harder to keep track of things. This is the first time I've had an issue since working here. I've only worked here for almost 5 years, so it hasn't come up before.
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I had medical debt years ago that the first I heard of it was from a collection agency. I had broken my wrist while mountain biking, and my health insurance coverage was through COBRA, which hadn't caught up with me at the time of the accident. So by the time the hospital got paid by insurance, they had already sent it to collections. I set up a payment plan with the collection agency, and the agency would say one thing and do another. They'd tell me they'd send a payment book, but then never would, and then would get upset that I'd forget about the payment because I didn't have the book to remind me.
At one point the collection agency called me and said they wanted to offer a payoff. They were willing to accept a smaller amount, split between two payments, if I sent them post-dated checks to cover it. The discounted amount was worth it to me, so I agreed. I sent them the two checks. On the date the second check was to go through, they called and said that the client had declined the payoff amount, and that I still owed the full amount. I replied that, in that case, I was going to cancel payment on the second check, and consider the previous check that had already cleared to be 3 or 4 months worth of payments towards the payment plan that we had initially set up, and that I would resume monthly payments after those 3 or 4 months. I further said that they should have gotten approval for the payoff prior to offerring it to me. The agent became belligerent and started to swear at me. I politely asked him to not use that language, and that if he swore at me again, I'd hang up on him. He replied, "you wouldn't fucking dare." I hung up.
He immediately called back. When I answered, he started swearing at me again, so I hung up again. I then called the hospital accounts receivable department. I explained the issue and was told that, since it was in collections, it was out of their hands, that they technically didn't own the debt anymore since they sold it to the collection agency. I asked if they had any contact information for someone higher up in the agency than the agent who was swearing at me. They gave me the phone number of the CEO. I called him, and it turned out to be his direct line. He answered it, and I explained the situation. I told him that I had no problem with paying what I owed, but due to my financial situation (making barely over minimum wage), I could only afford to pay via the payment plan. He put me on hold to get my file. When he got back on the line, he asked if I was willing to accept the payoff amount. I said yes, and he said that he'd consider my account paid.
From that experience I learned that the agent who was dealing with me was full of shit. The client had nothing to do with the payoff amount, because the collection agency was the client. They bought the debt from the hospital, and owned it outright. He was trying to scam me into paying as much of it as possible, as quickly as possible, probably because he'd get a bonus for getting as close to full payment in less time.