Medicredit Letter - Please help protect my credit!
Yesterday, I received a notice from Medicredit, Inc. on behalf of one of our doctors for an unpaid office visit.
This claim fell through the cracks when my insurance with my employer ended and we briefly transitioned to COBRA.
Today, the insurance company agreed to re-process the claim. They had done this for several others over the summer, but I missed requesting this one.
TODAYS QUESTIONS:
Q1: When the insurance company processes the claim, will the Doctor be paid? If so, will they make Medicredit aware and everything will be in synch?
Q2: Should I pay the doctor directly now and ignore the Medicredit letter?
Q3: Should I pay Medicredit and ask the insurance company to reimburse me?
I am desperate to keep our credit intact and scores high. PLEASE let me know immediate steps to help do so.
I don???t think ignoring the Medicredit letter will be a go
I don???t think ignoring the Medicredit letter will be a good option. Rather you may send them a letter mentioning the fact that the insurance company will be processing the claim and in this process the doctor will get paid. You may even speak to your insurance company in this regard and they will be able to guide you further.
Thanks for your direction.
Hello and thanks for your reply. I know you're right about that.
I did exchange email with my insurance company and they have confirmed the claim will be processed and paid at 100%. However, it will take 14-days to complete.
They offered to call Medicredit on my behalf and explain everything, as this was not entirely my fault.
I hope when I hear from my insurance company next week, they will have good news.
If the insurance company speaks with Medicredit and 'clears my name,' do you think/know whether this will ever appear on my credit report - or is it already on there?
I will be unhappy with myself (big-time), if this is on my credit for 7 years and hurts my scores, which are in the high 700s/low 800s.
Thank you...Elizabeth