Medical debt collectors and health care debt collectors specialize in handling defaults of payment by persons availing health care. Medical debt is recognized as involuntary debt and not subject to the same kind of punitive debt collection tactics that many state laws normally allow. Medical debt collectors must have thorough knowledge of local and state laws governing collection practices.
As the cost of health care is rising so are the defaults. Medical debt collections or health care debt collection agents specialize in handling defaults of payment by persons rendered health care or medical services. There are uniform standards and procedures for hospitals and collection agencies involved in the billing process. For example, no legal action may be taken against uninsured patients for uncollected hospital bills if they have demonstrated that they cannot meet their financial obligations because of insufficient income and assets.
There are various ways of paying for health care that a patient wants to avail of like through individual health plans, health maintenance organizations (HMO), corporate health plans etc. Because health care plans are complicated like part payment by the person availing health care and the rest by the third party medical service provider and various categories of the same, collection of over due bills require special medical debt collection agencies for doing the job. Also it allows health care providers like doctors and hospitals to focus on their job of providing health care and frees them from the burden of pursuing delinquent debts.
The medical collection agency has to follow legal procedure to recover the unpaid amount of delinquent cases. These practices must follow strict standards set forth by many medical practices because the patients are usually long standing clients of the practice. It may have to investigate who is at fault before proceeding with the recovery. Consulting the health care service provider and getting the details of the case would be the first step. Contacting the third party health care provider is the next step to find out if the patient was a subscriber at the time of availing the benefit. Also whether the medical procedures were included in the plan or not and whether the patient had exceeded the permissible limits are also to be probed.
The medical debt collector becomes the fourth member along with the patient, the doctor and the third party health care provider involved in this maze of reimbursement of medical costs. Health care plans are offered under all sorts of hues and variations like co payment by the patients, deductibles, reimbursement of certain non medical expenses etc. There are also various other minute details involved that might not have been clear to the subscribers before the availing medical care. Because of these reasons, a patient might have exceeded the permissible limits.
In all cases the provisions of law like Fair Debt Collections Practices Act must be strictly adhered to. Finally the medical collection agency has to target the patient or the third party health care provider or both as the case may be in order to recover the dues.
Author Resource:
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