I was wondering if anyone had ever run into a situation like this, and how they handled it if so.
A year and a half ago, my husband had an operation with all the multiple associated medical bills that followed (surgeon, hospital, labs, MRI, anesthesiologist, etc.) Thanks to a pretty good insurance plan, a health care reimbursement account, and personal savings, we were lucky enough to pay all these bills for deductibles and coinsurance in full as they came in.
Now suddenly last week, he got a collections letter for a bill I don't recognize. It's a small bill, only $150. I went through my files and neither the name of the provider, the account number, nor the balance due match anything in my records. I googled the somewhat generic sounding name of the medical provider, but I didn't get any business matches in the area where he went to the hospital, so I'm really at a loss as to who and what this bill is for.
I've already sent the collection agency a dispute letter, but I'm feeling very unsettled and upset while I'm waiting for their response.
If this is a valid bill that he incurred that for some reason got lost in the mail, we obviously would like to pay it. But I'm very concerned about a collections hit on his credit report. So far nothing has shown up, but it's still new.
Has anyone else been in a situation like this? I just feel it's unfair for his credit report to take a hit for something that was never sent to him.
Thanks for taking the time to read this. Any advise deeply appreciated!