- Report: #275223
Complaint Review: NCO FINANCIAL - NCO MEDCLR - NCO/99 - Horsham Pennsylvania
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NCO FINANCIAL - NCO MEDCLR - NCO/99
ncogroup.com Horsham, 19044 Pennsylvania, U.S.A.
Phone:
800-220-2274
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NCO FINANCIAL - NCO MEDCLR - NCO/99 100% false credit reporting my credit is 100% ruined! HELP! Horsham Pennsylvania
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.
Laura
saint hedwig, Texas
U.S.A.
4 Updates & Rebuttals
Theluckylalita
Saint Hedwig,Texas,
U.S.A.
thank you for the suggestions....
#2Author of original report
Wed, September 19, 2007
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
Theluckylalita
Saint Hedwig,Texas,
U.S.A.
thank you for the suggestions....
#3Author of original report
Wed, September 19, 2007
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
Theluckylalita
Saint Hedwig,Texas,
U.S.A.
thank you for the suggestions....
#4Author of original report
Wed, September 19, 2007
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
Nikki
Coconut Creek,Florida,
U.S.A.
Here's what you can do.
#5Consumer Suggestion
Wed, September 19, 2007
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.
