Report: #275223

Complaint Review: NCO FINANCIAL - NCO MEDCLR - NCO/99

  • Submitted: Tue, September 18, 2007
  • Updated: Wed, September 19, 2007
  • Reported By: saint hedwig Texas
  • NCO FINANCIAL - NCO MEDCLR - NCO/99
    ncogroup.com
    Horsham, Pennsylvania
    U.S.A.

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Nco has been and is still falsely claiming and reporting that i have several unpaid MYSTERY accounts from over the last 4 years- what they apparently dont know is that i am disabled and since june of 2003, i have had continuous health insurance coverage (medicare for 80% of bill and medicaid QMB for the remaining 20% of bill + any/all co-pays and/or deductibles.) that pays 100% of any and all doctor and hospital bills!! my credit is 100% ruined! PLEASE HELP!

Laura
saint hedwig, Texas
U.S.A.
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This report was posted on Ripoff Report on 09/18/2007 03:24 PM and is a permanent record located here: http://www.ripoffreport.com/reports/nco-financial-nco-medclr-nco99/horsham-pennsylvania-19044/nco-financial-nco-medclr-nco99-100-false-credit-reporting-my-credit-is-100-ruined-275223. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
0Author
4Consumer
0Employee/Owner

#1 Author of original report

thank you for the suggestions....

AUTHOR: Theluckylalita - (U.S.A.)

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
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#2 Author of original report

thank you for the suggestions....

AUTHOR: Theluckylalita - (U.S.A.)

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
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#3 Author of original report

thank you for the suggestions....

AUTHOR: Theluckylalita - (U.S.A.)

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
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#4 Consumer Suggestion

Here's what you can do.

AUTHOR: Nikki - (U.S.A.)

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.
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