I need help or advice, thanks

a reply to: Resettheory420

yeah i was 20

a reply to: Resettheory420

Hey # happens man.

Ive still got a maxed out $300 limit defaulted credit card through Chase Bank that was mailed to me at age 18 with a 29% interest rate. No joke 29%!

I learned very recently through my credit union that that # will still be #ing up my credit for 3 more years so I am going to go into a Chase on monday and offer them 100$ take it or leave it haha.

a reply to: NarcolepticBuddha
And this is why I physically go to a payment processor (cash advance and tax preparer type of joints) or the bank or the utility office to pay my bills with cash. I can't get a headache from scammers when I have eliminated the primary gateway for being scammed, electronic funds transfer.

I would get the fraud department of the account being charged involved. I have had my wallet stolen/lost in the past when I utilized cards and they have always cleared me for any liability. Too many people ask me why I don't go the easy way of tap pay, or swipe chips etc..

I have no shortage of examples of advantages for stick to a cash only way of life. I do however use my credit lines to dabble in the bullion market. A secure way of doing something with tens of thousands of dollars of binary and turning into something physical and real.

a reply to: nataliasimmons

This totally not true. I cant think at all sometimes. Sometimes i think shortly and take an obligatory vacation from it right away. I mostly say the things that happen, happened or i 'feel' i guess.

a reply to: NarcolepticBuddha

Medical billers and coders can be pretty underhanded sometimes.

a reply to: Resettheory420

i know that song. let me share.

a reply to: NarcolepticBuddha

Is your boss Satan?

If not, they will give you a day off to deal with this, or allow you to use some time during your workday to make a call. That being said, if you have access to the terms and conditions of the payment arrangement you made with the company making the charge (whether its the hospital or a credit management agency working on their behalf), there should be some reference to a service charge, admin fee, some sort of malarkey of that nature. ALL such things are a scam, because charging for admin is something akin to charging a person for the air they are breathing in this day and age, but if there is no arrangement, agreement, or fine print reference to charges that may be applied, then either this is a mistake, or a pretty dirty scheme to begin with, and highly suspect if you ask me.

a reply to: NarcolepticBuddha

When you go to the hospital it is not uncommon to see each specialist bills separately, in addition to the facility. The ER or Trauma will bill to stabilize your condition. If you had x-rays, that guy who interpreted the results bills you. If you had surgery then you get billed by the anesthesiologist and surgeon. Yes, its complete bullcrap. One thing you might look at though is the rules for billing incident-to in your state, because that could affect your situation. Some states may require the supervising physician bill for services incident-to your visit, not the performing physician. Doubt they would screw that up, but it happens occasionally.

I have never tried it, but supposedly under the UCC ( Uniform Commercial Code which may vary slightly among states) if you ask for your bill in full so you may pay it upon discharge they must produce it or you dont owe it -- probably too late for this anyway though.

originally posted by: NarcolepticBuddha
Well I'm not even sure who to call. I am working 12-14 hours every day except sunday. Who's going to take my call on a sunday?

Scam! Re-re-billing....pay nothing more on any site. GO to the billing Dept and bank.

I know you're working..but something like this you need a human..and not making a "call". Take time off to go, get accurate billing, recpts, and any refunds ON PAPER, IN WRITING, IN YOUR HAND.

Why people insist on calling I don't know.That time off work you miss $$...is a lot less than the amounts you've been and may keep paying.

Sometimes a phone call isn't enough...if you don't go....then it's your fault! Good luck....
MS. EMT

originally posted by: TrueBrit
a reply to: NarcolepticBuddha

Is your boss Satan?

I'm pretty sure Satan has more sympathy and understanding than these guys.

a reply to: NarcolepticBuddha

That is disturbing to hear.

Well, long term you need to take over your bosses position and untangle the web of corporatist exploitation that effects your workplace, so that people can take time off to deal with these things, but in the short term that leaves me bang out of ideas. Unless you were to visit the actual hospital and insist on speaking directly with someone who manages the relationship between the credit management agents the hospital has enlisted to deal with the situation, of course. Nothing says "Really? I don't think so" like being there in person to make a complaint or get a situation sorted out to your satisfaction.

a reply to: TrueBrit

That's why I asked for advice. If I could take time off and/or return to this hospital it wouldn't even be an issue.

I'm hoping some emails will help me out, but I'm not holding my breath.

originally posted by: mysterioustranger

originally posted by: NarcolepticBuddha
Well I'm not even sure who to call. I am working 12-14 hours every day except sunday. Who's going to take my call on a sunday?

Scam! Re-re-billing....pay nothing more on any site. GO to the billing Dept and bank.

I know you're working..but something like this you need a human..and not making a "call". Take time off to go, get accurate billing, recpts, and any refunds ON PAPER, IN WRITING, IN YOUR HAND.

Why people insist on calling I don't know.That time off work you miss $$...is a lot less than the amounts you've been and may keep paying.

Sometimes a phone call isn't enough...if you don't go....then it's your fault! Good luck....
MS. EMT

I've never heard of re-re-re-billing, but there is something called "balance billing" that is illegal in almost every state. I'd need to have a lot of personal info to help determine if it is a balance bill after insurance and patient responsibility.

The way balance billing works you need to understand the difference between a few numbers.

Charge amount is the amount on the fee schedule the physician charges for the treatment, or in this case the facility charges.

Facility allowed is the amount they will be reimbursed according to their credentialing contract. Non facilities (like most doctors offices in private practice) use the non facility allowed.

The fee schedule is a matrix in a sense where these charge and allowed amounts on the one axis are checked against the treatment code on the opposing axis. There are other factors such as locality and year and modifiers that I wont get into for simplicities sake.

Now we have units. The units are a multiplier for the treatment code.

So getting to the math, let's assume you are being charged for an office visit 99213 at 1 unit for a non facility where the charge amount is 1200, and the non facility allowed is 250, and you have a $25 copay. The insurance pays 225, passes 25 to you. In states where balance billing is illegal there would be a contract adjustment (insurance write-down) if 950. In states where balance billing is allowed, the physician can charge you the 950 plus the 25 transferred from insurance to patient responsibility, leaving you with a $975 bill.

Most states have outlawed this.

a reply to: mysterioustranger

Oh, I didnt notice the emt. Ms. EMT, i will use codes in ems terms. A0428 BLS Non Emergency with no denial trip modifers and 5 units A0425, and not round trip.

Medicare non facility allowed
A0425 5
A0428 250

5 * 5 = 25
1 * 250 = 250
Total $275

Medicare is 80%
275 * 0.80 = 220

So Medicare will pay 220 and patient pays 55.

In the case of balance billing let's assume the charge amounts
A0425 20
A0428 1000

5 * 20 =100
1 * 1000 = 1000

The total extended amount is 1100. The insurance paid 220. In balance billing the physician (or agency in this case ) could charge the patient 880.

a reply to: drewlander

Waaaay deeper than my point. My point refers to over-billing, dbl billing, re-billing..and/or not acknowledge that the darn thing was paid already.

Ex..my ER billed me for serv.in 2001...I paid it ($135.00)..somehow it didn't get credited...the the hospital billed me separately..again.Then, they turned it to collections with late charges..after it was initially paid in the 1st place.

Later, they outsourced it to a private collection agency (never pay THOSE guys!)...and they added more fees..

With all the back and forth from source to billing to collections to an outside collector...the Hospital, then City became my employer...with outside collections still calling me...

As an EMT..I dbl parked my rig..went into billing Dept..and they said "Oh! That was paid in 2014"..…

I got home and...yep...a collection call was on my voice mail.

It prob involved 8-9 people over 7 yrs and 4-5 depts and a couple outside companies....for a bill paid in the 1st place.

Talk to a human when you can...avoid phone "arrangements"..…they can be just phantoms in space....

Peace!