Originally posted by: Ocguy31
Odd, they usually use the lowest-middle score from both borrowers.
Anyway, they should have given you a copy of the reports if you asked.
The approval cam through without word on what the scores were. We found out after the fact that she had two reporting so low. At that point I didn't press for copies, I had other things on my mind, like moving.
The only thing I can think of is a medical collection she allegedly had about a year ago. She was sick and went to an "Urgent Care" location. They told her they took her insurance and, even if the claim was rejected, their cash patient cost was $80. A month later we got a notice that they didn't contract with her insurance and got a bill for $300. Enclosed was a notice that she signed stating we were responsible for charges even if insurance rejects them (which I knew she would be).
Being more.....
confident than she is, I called the medical office. I told the office manager that we were quoted a price and billed something different. She told me rather rudely that she could not discuss my wife's medical care or billing with me. That was a BS copout, since I'm on her HIPAA waiver.
So, I took the liberty of drafting a letter to the office manager. In the letter I clearly laid out that they lied. I also noted that the CPT code they used, 99243, was excessive to the treatment rendered. A 99241 was much more appropriate for the care given.
The office manager responded with another letter stating that the bill was ours to pay and that the 99243 was correct. She alleged that seeing a nurse practitioner was enough to code the -3 even though the main components were not met.
I took the time to respond and noted that Nevada state law recognizes nurse practitioners as nurses, not doctors. I was kind enough to provide the specific statute for her use. I also let her know that I had reported her to the AMA for CPT inflation. I enclosed a check for $30 (which was the amount left due on the quoted price after $50 was paid the day of the visit). I also wrote in the letter that cashing the check was express agreement to settle the dispute for $30 and constituted a waiver of all further claim against my wife, myself, our heirs, executors, estates, etc. The check was cashed 3 weeks later.
A month later we heard from a collections company. I sent the collections company a nice letter saying "Please see the enclosed correspondence with 'Urgent Care' and cleared check. As you can see, not only did 'Urgent Care' commit billing fraud, but they have settled for $30. If you purchased this alleged debt from them, they may have perpetrated another fraud against you too." I never heard from them again.
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