Complaint Review: HC Processing Center - HELPcard - Hccredit

I established this account through my dental office in December, 2005. I knew that I was in for some extensive work and it seemed like a good deal - one year to pay off the balance with deferred interest. Although I became suspcious when my posted balance reached $7500, I ddn't seriously start investigating and questioning until a new charge of $4600 was posted in May. Since I have made regular, on-time and more than minimum payments, I was stunned to see that I now had balance of $10,500.

I immediately contacted my dental office to ask about these new charges. The office manager assured me that she knew nothing about this and promptly contacted the company. She called me back within a half hour and stated that it was a "mis-posting" and that she requested an adjustment be made immediately. I checked my account repeatedly during the course of the week. When no adjustment had been made, I called the company directly. The service representative told me that they only post what has been submitted by the service provider. I called my dental office again, and she stated that she would contact them again and have them call me personally. They never did.

That night, I emailed a complaint through www.healthcard.com. www.hccredit.com has no email venue that I could find and that is where I access my account information. The next day - that is today, I noted that an adjustment had been made to my account I.e., $4500 had been deleted. That still leaves $100 unaccounted for. This will be addressed with my dental office.

I went over every claim from my insurance company. I added up what they had paid and what the patient financial responsibility amounted to. HC Credit/HC Processing Center states that I carried a total balance of $7600 - that's without adjustment made for payments remitted. According to my insurance company, my financial responsibility amounts to $4876.40. That's a discrepancy of $2,723.60. My insurance has paid $2,696.60. Funny, but the total between my insurance company payments and my payments including my $25 deductible, amounts to $7,598. Isn't that a coincidence?

I don't want to believe that my dental office is involved in fraudulant billing, but I may be back to report them as well after we sit down together and address this issue.

Lorna
Cleveland, Ohio
U.S.A.