Hospital Bill, HELP!
I have been driven mad lately by NCO. Sometimes I feel like finding them in a dark alley and %#*^@*&^#*&. Here's my story (maybe someone can give me ANY advice on how to proceed?).
First, I live in Montreal and I am a student. Because I am a US citizen, I am required by Quebec universities to pay for the international student health insurance that they provide every year. In 2004, I was a student at Concordia University and was insured by SunLife Financial. They were excellent in terms of benefits. I had full coverage for most things, including 100% coverage of hospital bills. Anyway, on Aug. 3, 2004, I had to go to the emergency room of a hospital. They took my insurance info, etc and I thought that was that. A few months later, I get a call from someone in their accounting department asking me if I could send them an insurance form from my insurance company filled out with my information as SunLife had told them they can't be reimbursed without this form. I did this and even offered to go over to the hospital to help them with the rest of the form, since it was a French-speaking hospital and they seemed to have difficulty understanding spoken and written English. They said "no no, it's OK, we'll take it from here." Again ,no word for several months...Come around February 2005, I get another call saying there was some other mixup and they need my info again. At this point, I feel sorry for them thinking it's probably a language issue, and I even offer to pay the bill MYSELF and then ask my insurance to reimburse me since I knew I was more capable filling out the forms and such then they were. The hospital said NO, we handle these bills, everything will be taken care of, it will take a few months (60 days) to clear it up but don't worry. I called SunLife to see if they had made a claim and SunLife said they had no record of it, but yes, the hospital should be the one to make the claim. So now fast forward to the summer of 2005. At this point, I think the bill is settled. WRONG, some ass**** from NCO starts contacting me telling me they never paid. I am super nice with him, give him all my insurance info and he says he'll take care of it. Again, I call SunLife and they assure me that under the plan, I was covered 100% for hospital bills, just send it and they will pay. To make a long story short, it turns out the hospital took too long to put in the claim, since (in a streak of bad luck), my insurance for the 2003-2004 school year ran out Aug 4, 2004 (a day after I went to the emergency room) and any claims needed to be sent in within 90 days of the end of my insurance to be paid. Yes, sure, I was automatically insured again by my school for the next year, but since this occurred in the previous insurance cycle, the 90 days still holds. Anyway, the NCO guy was pleasant at first when he thought he would get his money, but now he is insisting that the insurance people won't pay, and it's my responsibility...screaming at me, calling me a million times a day, etc. I even got a letter from SunLife that a claim was put in but they cannot pay it as it was not submitted within the 90 day timeframe. At first I found the NCO guy amusing since he got so upset. But now he doesn't leave messages, except calls about 2 times an hour and hangs up when the machine picks up. I don't think it's my fault that the hospital didn't put in the claim in a timely manner! I know SunLife would have paid (since they said they would when I asked and they paid my other hospital bills!!) and I was covered, but now this moron is harassing me for close to $700 which I, as a student, don't have! That's why I pay for insurance every year for god's sake! I want the NCO guy to take me to court so I can explain this to the judge, rather than have him call me since I can't reason with him. He lies and tells me the company won't pay because I am not covered for this bill, says it's my duty, etc...Says the same thing over and over (actually, screams it). Any advice on how to proceed? Does he have the right to keep calling like this? I won't call him back anymore because I see no point in him screaming the same stuff over and over. And I don't think I should be out 700 dollars because someone in accounting didn't do their job. I tried my best to help!