HIPAA LETTER PROGRAM GUIDE

PLEASE FOLLOW ALL STEPS IN THE ORDER PROVIDED, DO NOT SKIP OR OMIT ANY STEPS UNLESS INSTRUCTED TO. THESE STEPS REQUIRE THAT YOU HAVE OPTED OUT AND DELETED OLD ADDRESSES FIRST AND ARE USING CREDIT REPORTS WITH INDIVIDUAL ID #S

READ ALL THE INFORMATION INCLUDING THE LEGAL BASIS FOR THE PROGRAM BEFORE STARTING HIPAA LETTER PROGRAM

The first step is to send a dispute letter to each CRA. INITIAL HIPAA DISPUTE LETTER

List ALL medical accounts as they appear on the report you are disputing, paid or unpaid

THESE INITIAL DISPUTE LETTERS ARE THE ONLY ONES YOU EVER SEND USING SPECIAL FONT OR HANDWRITTEN TO PREVENT AUTOMATED PROCESSING. EVERYTHING ELSE MUST BE PROPERLY TYPED AND BE BUSINESS LIKE AS THEY MAY BE USED IN COURT.MAKE SURE YOUR NAME AND ADDRESS ARE ON TOP OF EACH PIECE OF CORRESPONDENCE AND THAT EACH ONE IS DATED. IF YOU RECEIVE AN E-MAIL REQUEST FROM A CRA TO HAVE YOUR RESULTS TRANSMITTED VIA THE INTERNET REFUSE AS THIS WILL OPT YOU BACK IN AND PREVENT YOUR USE OF SNAIL MAIL FURTHER DISPUTES

The next steps depend on your results from the initial dispute letters

If all the disputed accounts are deleted from all credit reports, you need not do anything else except KEEP hard copies of your records for at least 3 years

If the accounts are verified AND you receive a response FROM THE REPORTING CA ( Collection Agency) with account details that MATCH your records, you can then pay the ORIGINAL CREDITOR HEALTH CARE PROVIDER directly using the HIPAA letter insert "a", be sure to follow ALL the directions

HIPAA LETTER PROGRAM

If the accounts are verified AND you receive NOTHING from the reporting CA, you send the reporting CA this:

MEDICAL DISPUTE VALIDATION LETTER

For accounts reporting with a balance due

Or this:

MEDICAL DISPUTE VALIDATION LETTER FOR PAID ACCOUNTS

For accounts reporting as PAID

As soon as you have proof of receipt of the above medical DVs, you send each CRA this:

FOLLOW UP DISPUTE LETTER TO CRAs

For additional assistance post in the CreditBoards Medical Debt Forum

NEW GUIDELINES FOR REPORTING MEDICAL DEBT

Link to article
COMPLIANCE RULES FOR MEDICAL DEBT