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…..that is the question. And this seems like the best board on which to pose it.

Looking for suggestions and advise to resolve an account due.

I received some medical services last year, provided at a local hospital, which involved a few recurring visits spanning several weeks. However, I have yet to receive a bill for payment. It has been almost eight months.

My health insurance carrier finalized the claim last fall. Based on the explanation of benefits, I know that there should be a balance due to the hospital. I have a high deductible, so my insurance did not make any payment to the hospital and I had always expected that I would have to pay the entire adjusted cost out of my own pocket.

The insurance review was finalized in October. When I did not receive a bill by November, I called the hospital about my balance due. Was told they could not locate my record without a billing number for reference. But I never received a bill (not even a preliminary bill), so I have no reference or account number. Decided to give it a few weeks hoping the paperwork would process. In January, I called the billing office again. At first, they said there was no record of my services or bill. When I pushed the matter, they eventually located my account, but said the statements had not been released yet because they were under review. They said that technically I did not owe anything (yet) and therefore could not confirm the balance due.

I explained to the hospital rep that I was nervous about my account being considered past due and did not want to see it turned over to a collection agency or such. I offered to walk into the hospital and pay it off that day. I was told that I could not do that because I did not have an account number or official balance due. She said not to worry about it because the statements had not been processed. So now, it is almost April. Still nothing.

I am prepared to pay my bill whenever they finally send it. But in the mean time, I worry that my account is getting flagged as late and could affect my credit report or that they will move it straight to a collector or something (once some administrator finally processes it).



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