Q: My son had a medical bill go to collections. Then his insurance company paid claim in full after two appeals.
The billing company was aware of the appeals and my son was keeping them updated on the status. They still sent it to collections. Insurance has finally paid the claim in full so where does my son stand in this situation? Does he talk to the billing company? The collection agency? Both? Is he still responsible for the balance? Thank you. Mrs. Hibner
Dear Mrs. Hibner,
An Ohio attorney could advise best, but your post remains open for two weeks. In most jurisdictions, the recommendation would more or less be standard... You could tell your son to ask the insurance company to provide him with proof of their payment of the claim - that could include a copy of their check or its stub (or electronic confirmation if the medical provider billed electronically) and EOB (explanation of benefits, if applicable). Your son should present that to both the billing company and the collection company (if they are not the same entity). He should copy the medical provider's billing manager, as the billing company works at their behest and is likelier to respond to their calling off the collection action than him calling off the collection action. He should also call them and speak with them to coordinate his efforts to terminate the collection action and ask them to halt their collection efforts. It's difficult to say what he could be responsible for without seeing the bill, EOB, or any deductible due. If this does not work, tell him to consult with an Ohio attorney who handles collection defense (in this same category in which you posted your questions.) Good luck
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