NCO FINANCIAL - NCO MEDCLR - NCO/99 100% false credit reporting my credit is 100% ruined! HELP! Horsham Pennsylvania

hi again, thanks for the quick response- as far as the doctors and hospital visits are concerned, medicare sends me a letter/transcrtipt on the same day of every month, with all of the previous months health records, care beneifits that they (medicare/qmb) paid for. they require that we carefully read the transcript to maKE SURE medicare and qmb have charged and been charged correctly. THANKS AGAIN!! LW

hi again, thanks for the quick response- as far as the doctors and hospital visits are concerned, medicare sends me a letter/transcrtipt on the same day of every month, with all of the previous months health records, care beneifits that they (medicare/qmb) paid for. they require that we carefully read the transcript to maKE SURE medicare and qmb have charged and been charged correctly. THANKS AGAIN!! LW

hi again, thanks for the quick response- as far as the doctors and hospital visits are concerned, medicare sends me a letter/transcrtipt on the same day of every month, with all of the previous months health records, care beneifits that they (medicare/qmb) paid for. they require that we carefully read the transcript to maKE SURE medicare and qmb have charged and been charged correctly. THANKS AGAIN!! LW

First, do you have to go to "in network" doctors for medicare and medicaid? If so, some of the doctors may not have been in network and therefore not paid by the insurance company.

Also, if you go to a hospital for a test, just because the hospital you went to is part of your insurance network does not mean the doctor on staff is part of the network. So, the doctor puts in his bill, is not paid because of non-network, or non-network deductibles, and they come after you. I have won many appeals to my insurance company to pay these bills because I went to an in-network facility for a procedure. It's not my fault I happened to get a doctor that was out-of-network.

Contact your insurance company for the explanation of benefits to find out how much of the medical bill was paid by them. Then you have proof that the bill was paid. If your insurance company says they never submitted a bill, and the doctor/lab/radiologist etc. had your insurance info, they cannot come after you for payment.

If they are in network with your insurance company, they are required, through their contract with your insurance company, to accept the insurance payment as payment in full for services rendered. They are not supposed to "balance bill" you. You can ask your insurance company about this.

Call medicare and see if they can walk you through some of your problem.