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Started By
Message
re: Out of network ambulance service billing advice
Posted on 7/14/25 at 2:39 pm to Mingo Was His NameO
Posted on 7/14/25 at 2:39 pm to Mingo Was His NameO
quote:
1. I don’t believe you
2. That doesn’t mean if they actually do it’s not fraud as you said
You do not have to believe me, if you are interested there are a bunch of news stories covering it.
I seriously doubt if its criminal because they lobby against it being criminal. When they tell you before hand to expect a bill that is a mistake and to ignore it though that is a whole other can of worms because old people like my Dad have a lot of time on their hands and they worry about shite they'd have never paid attention to when they were 45 instead of 85.
1
Posted on 7/14/25 at 2:40 pm to Vise
quote:
And the dang air conditioning barely worked.
They a/c sucks in all of them from what I remember. I had the joy of riding in them on average 20 or so times a shift
Posted on 7/14/25 at 2:42 pm to Tiger1984
quote:
you still have a deductible and out of pocket max to meet, so your $2500 bill may be right. Emergencies aren’t cheap.
Make sure you met your Out of Pocket to start.
Then call your insurance and tell them exactly what’s in your OP. This happened to me last year. My insurance initially paid $700 of a $4k ambulance bill. Mandeville EMS billed me the rest. I called my insurance and said “I didn’t call the ambulance and explain to me why insurance isn’t covering this?” They said they would review it and next thing I know they paid it off.
Posted on 7/14/25 at 2:43 pm to AwgustaDawg
quote:
I seriously doubt if its criminal because they lobby against it being criminal.
Of course fraud is criminal. Are you retarded?
Posted on 7/14/25 at 2:48 pm to Sidicous
quote:
Just cease all communication with them. They will not do anything except call and send mail and now ding your credit for 7 years which you can explain as “an insurance issue” on everything but a mortgage (then again just have your husband be the main applicant since they can’t ding him). 8 years from last payment the debt falls off your credit (SOL is a full 7 year period, so start of year 8 give or take a few months since not all report monthly)
Doesn't SOL reset if they send you an official notice within that 7 year time frame? I am pretty sure they can wait 6 years, 11 months, and 29 days; then send an official notice via official channels; and you now have a new 7 year window.
Posted on 7/14/25 at 2:51 pm to tigerbandpiccolo
There is a federal law called the No Surprises Act which may be applicable in your case. It protects patients against surprise bills from medical providers.
Research it.
This is not legal advice and should not be construed as such.
Research it.
This is not legal advice and should not be construed as such.
Posted on 7/14/25 at 2:55 pm to tigerbandpiccolo
Did the insurance company send an Explanation of Benefits? Normally, there is a write off of some of the bill. Perhaps that did not occur in this case because there was no contract between the provider and the insurance company but I have seen them stretch across contracts to get discounts.
Neither the ambulance company nor you will want to pay to contest this. It will cost more than it is worth. I doubt that they take $500 but you could offer them $1,350 to settle the bill. They might agree to split the difference with you if it keeps them from having to pay money or a contingency fee to a collection agency to enforce the bill.
Neither the ambulance company nor you will want to pay to contest this. It will cost more than it is worth. I doubt that they take $500 but you could offer them $1,350 to settle the bill. They might agree to split the difference with you if it keeps them from having to pay money or a contingency fee to a collection agency to enforce the bill.
Posted on 7/14/25 at 3:25 pm to tigerbandpiccolo
What I do is pay at the time of services rendered. I have really , really good insurance, and I have a little money. They let me know what their costs are, and I agree to pay them or go elsewhere. When the bills start trickling in through the mail, I put them into the holding place, aka, the fricking trash. I never agreed to pay $700 for an ACL, and then arbitrary amounts later, they said $700, and $700 was paid.
I know this doesn't directly answer the question asked, but I would recommend doing the same thing. It's a loophole that insurance companies need to fix, not you.
I know this doesn't directly answer the question asked, but I would recommend doing the same thing. It's a loophole that insurance companies need to fix, not you.
Posted on 7/14/25 at 3:33 pm to Weekend Warrior79
quote:
Doesn't SOL reset if they send you an official notice within that 7 year time frame? I am pretty sure they can wait 6 years, 11 months, and 29 days; then send an official notice via official channels; and you now have a new 7 year window.
That costs something to do and nobody is willing to spend a cent for something that they haven’t seen a dime in 7 years already. Especially if it’s been sold to several different agencies for the standard pennies on the dollar.
Posted on 7/14/25 at 3:36 pm to ATrillionaire
That's only a ruling pertaining to eliminating existing medical debt from current credit reports. There's nothing in there changing existing rules around collecting debts. Creditors are still entirely toothless to collect any bill.
FWIW, I haven't paid a medical bill in 10 years, probably close to six figures in bills by now, and nothing has ever appeared on my credit report. If you pay without negotiating, you're a bit like the tourist who pays top dollar at a souq: you just don't understand a culture where you're expected to haggle
FWIW, I haven't paid a medical bill in 10 years, probably close to six figures in bills by now, and nothing has ever appeared on my credit report. If you pay without negotiating, you're a bit like the tourist who pays top dollar at a souq: you just don't understand a culture where you're expected to haggle
Posted on 7/14/25 at 3:38 pm to OutOfNames
Exactly what I do. If everyone used the loophole, the system would collapse and need to be overhauled.
Posted on 7/14/25 at 4:17 pm to Prawn
quote:
FWIW, I haven't paid a medical bill in 10 years, probably close to six figures in bills by now, and nothing has ever appeared on my credit report. If you pay without negotiating, you're a bit like the tourist who pays top dollar at a souq: you just don't understand a culture where you're expected to haggle
Are you really haggling if you aren't paying at all?
Posted on 7/14/25 at 4:28 pm to tigerbandpiccolo
California definitely has one of stronger laws to protect people against this.
Hopefully, your charge didn't occur before the toughest version of the law was passed recently.
Hopefully, your charge didn't occur before the toughest version of the law was passed recently.
Posted on 7/14/25 at 4:30 pm to Mingo Was His NameO
Medical bills don’t hurt your credit anymore
Posted on 7/14/25 at 4:39 pm to tigerbandpiccolo
There is a company called MASA that is a paid membership... you can do lifetime for less than $5K and there are no more surprises.
Posted on 7/14/25 at 4:48 pm to tigerbandpiccolo
quote:
Just cease all communication with them. They will not do anything except call and send mail and now ding your credit for 7 years which you can explain as “an insurance issue” on everything but a mortgage (then again just have your husband be the main applicant since they can’t ding him). 8 years from last payment the debt falls off your credit (SOL is a full 7 year period, so start of year 8 give or take a few months since not all report monthly)
Plead don't take this advice.
Posted on 7/14/25 at 6:24 pm to tigerbandpiccolo
Tell them to suck it
Posted on 7/14/25 at 6:31 pm to GeorgeTheGreek
quote:
This bill is par for the course for an ambulance. You’re lucky it wasn’t more expensive.
Ask to pay it off over a few months or tell them to cut the bill in half and you can pay that in full now.
Do not do this. Pay them $10 a month for the rest of your life. No interest, no collections.
Posted on 7/14/25 at 8:09 pm to tigerbandpiccolo
quote:
while 20 weeks pregnant during a high-risk pregnancy, I passed out while attending a function in California. I was unconscious for about a minute, and 911 was called immediately.
quote:
I was transported to a hospital, evaluated, and thankfully everything turned out okay.
And now you’re upset about owing $2700 bucks. Pay what you owe and be thankful!
Posted on 7/14/25 at 8:26 pm to Mingo Was His NameO
quote:
You could’ve taken a Benadryl and driven to an urgent care. What a pussy
I did take several Benadryl but then I was unconscious so after that I kinda lost control of the proceedings. And like I said, had you read what I wrote, I was on an island inaccessible by automobile (boat or plane only)
Appreciate your concern though LOL
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