Unaware 4 Year Old Emt Ride Never Submitted To Insurance Now In Collection In Wisconsin.
I received a head injury almost 4 years ago and was transported to the local hospital via EMT ride. I do not remember arriving at the hospital or what information would have been given by my husband. My insurance covered the hospitalization and services. I just received a collection notice for the EMT ride. I was unaware of this bill. I live in Wisconsin.
Could I still submit it to my same insurance company before I pay the collection fee of over $500 or would it not matter any more as my credit is ruined regardless. Either way I am assuming I will be have to pay at least something. What would be recommended?
Reply from DebtCollectionAnswers.com:
Don't assume you are out of luck. We just answered a question for a woman in Texas and learned that a state law there prevents the provider from collecting if it fails to bill within a year. Unfortunately, we don't know whether there are similar consumer protections in Wisconsin.
We would recommend you do four things:
1. Talk with your insurance company to find out whether the services you received are normally covered services. Ask them whether it's possible for this to be billed now. (Keep excellent notes of your conversation with them.)
2. Exercise your right to request verification of the debt from the collection agency. You'll learn more by reading at least the first chapter of Debt Collection Answers online for free.
3. Call your state department of insurance or the agency that regulates health insurance companies to try to determine if there are consumer protection laws that apply.
4. Talk with a consumer law attorney to find out if the provider and/or collection agency are breaking the law. You can visit Naca.net to find a local consumer law attorney with experience in debt collection cases, or call the Collection Complaint Hotline at 888-711-5183 for a free, confidential case evaluation. There is no fee unless you recover.
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