55 lines
2.8 KiB
Markdown
55 lines
2.8 KiB
Markdown
# Hippa Clear Medical Debts
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HIPPA CLEAR MEDICAL DEBTS
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WHAT IS HIPPA?
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HIPPA is the Health Insurance Portability and Accountability Act. This privacy rule mandates
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that your personal medical information may not be shared unless there is permissible reason for doing
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so.
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HIPPA extends to credit reporting agencies and collection agencies as well.
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For you, HIPPA will assist YOU in dealing with delinquent medical collection accounts.
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HIPPA MEDICAL DISPUTE LETTER
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The HIPPA letter template will frighten the collection agencies and credit bureaus and remind
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them that if they fully validate your validation letter on your medical bills, they are violating
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HIPPA regulations and are doing criminal activities.
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HIPPA laws do not allow your doctor or health care provider to share your medical files without
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your consent under a HIPPA release.
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There has been an increase of doctors asking for a HIPPA release to be signed by you, however
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this only allows them to share with other medical professionals not 3rd party collectors.
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Make sure you cross out everyone other than the party intended to receive your medical
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information (do not sign a full HIPPA releases).
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The medical dispute letter should be used after you sent out after COLLECTION ACCOUNT
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VALIDATION LETTERS. The collection account validation letter templates are included with
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this upgrade.
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The collection agencies occasionally sends your medical records as validation. If they do that,
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include a copy of the medical records and send it to the credit bureaus. Thereby proving they
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have broken HIPPA laws (a major violation of the Privacy Act laws!).
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There are 2 ROUNDS OF HIPPA DISPUTE LETTERS. START WITH THE FIRST ROUND,
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wait 30 days for response and then go to the FINAL ROUND OF HIPPA DIPSUTE LETTERS.
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COLLECTION ACCOUNT VALIDATION LETTER
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Send the Collection Account Validation Letters to every medical collection company
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a) This is your first initial contact to the medical collection agency.
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b) You need delivery confirmation, save receipts or emails from USPS confirming delivery.
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Certified Mail is usually best.
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c) Wait for a response from the collection agency. Goal is not to get one.
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Your full account numbers may not be provided on your credit reports. You can cut and paste
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each delinquent account and include each account snapshot with the letter.
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Again, the collection agencies occasionally sends your medical records as validation. If they do
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that, include a copy of the medical records and send it to the credit bureaus. Thereby proving they have
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broken HIPPA laws (a major violation of the Privacy Act laws!).
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Keep detailed records in case you have to sue, but in most cases you will be fine.
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As a refresher below are the 3 credit bureau addresses again.
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Experian
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P.O. Box 4500
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Allen, TX 75013
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Equifax Information Services LLC
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P.O. Box 740256
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Atlanta, GA 30374
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TransUnion LLC
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Consumer Dispute Center
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P.O. Box 2000
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Chester, PA 19022
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