See . I am not going to contact Equian. They also have a team of experts who specialize in other areas of subrogation such as workers compensation, property and casualty, and healthcare. 2860 The Company offers bill review, pharmacy benefit management, property analysis, claim recovery, and subrogation . Call for a Free Consultation 415-727-1832, by Anderson Franco | Jul 28, 2022 | Insurance, Personal Injury. By law, you must receive written notice, also known as a debt validation letter, within five days of the collector's first attempt to contact you. You may be required to pay back these medical expenses. You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. I dont understand why Im getting this letter I have not had any treatments on 11/12/21 havent been in no car, work are any other accident, so why respond to this letter? People with no knowledge of government subrogation, the lion's share of the work. They are challenging my need for DIABETES medicine! Immediately dealing with a subrogation letter allows you to resolve a claim sooner than later. So the subrogation company is interested in seeking a claim against the responsible party to recover money. Indianapolis, IN 46250. us-hsi.com. An insurance provider pursues another party for damages on behalf of their policyholder, as long as they have grounds to seek compensation for damages in a civil lawsuit. For more information email. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information. Yes. At Equian, we understand that privacy is an important issue for users of (visitors to) EquianInternet site www.equian.com and its related domains. Abercrombie & Fitch. Equian processes more than $500 billion in . EL CENTRO, CA 92243, 603 N. COAST HIGHWAY 101, SUITE G, Get better prepared to monitor your credit and help better protect your identity with Equifax Complete. In most credit scoring models, your payment history accounts for the largest portion of your credit scores. This inquiry, dispute, and refund policy applies to you, as applicable, as either: a) a person owing payments on a loan or debt which Equiant is servicing, as a service provider on behalf of a lender or creditor ("Obligor" or "you"); or b) a user who has been granted access, via login credentials or otherwise, to Equiant's platform for a fee ("Subscriber" or "you"). Now a year later, Equian is asking accident questions trolling for money. Subrogation letters from health insurance providers are the most common scenario, but auto insurance providers and other insurance providers also use subrogation. They want to know if the treatment is due to a work injury so that they can submit it to a workers compensation insurance. Company Description:? Address: 306 W Eldorado St. Decatur, Illinois 62522. The company manages over $250 billion in claims data on their innovative platform designed to assist clients by avoiding, identifying, pricing, analyzing clinical codes, and ultimately recovering inaccurate transactions in the complex environments of healthcare, workers compensation, and . marketing@equian.com. Do I Have to Respond to a Subrogation Letter? This is particularly true of cumulative trauma injuries. Find Related Places. Regardless of what side of a subrogation claim you find yourself on, its best to consult with an attorney to ensure everything goes smoothly with a claim. Some people mistakenly assume that accident injury and property damage claims are pretty straightforward. If you were hurt in an accident but dont have an attorney, you should hire a personal injury attorney to contact Equian on your behalf. They learned all this the last time they inquired. The job used to be interesting but now it . document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); This site uses Akismet to reduce spam. Like who? Here are two ways in which someone might respond to a subrogation letter: If the driver or other party who harmed you or your property has insurance, providers often deal with subrogation claims in-house. But Equians services go beyond just playing mediator. 100% of the time, they believed me, and they were very compassionate. If you are a lawyer and become aware of an Apple Health client who may have had a personal injury, you are required by statute to report the information to Medicaid. We will not sell, share, or rent this information to others. Optum Rx customer service. need to be licensed in PA. Collectors are also prohibited from calling you before 8 a.m. and after 9 p.m. Can debt collectors call your family? Ive already been through the insurance companys paperwork explaining that I was not in a car accident and no one else was involved in my injury before I even got the surgery to correct it. This rating has been stable over the past 12 months. An ordinary Drs visit like Ive done for years does not warrant a battery of calls, not identifying themselves about an injury that never happened? UnitedHealth Group Inc. has agreed to buy health-care payments firm Equian LLC from its private-equity owner for about $3.2 billion, according to people familiar with the matter. HQ. All Rights Reserved. She strikes Sallys vehicle in the intersection, causing a collision. Website. Am I obliged to? There is no violation of HIPPA as you had to give your insurer permission to disclose information for the purpose of processing claims for you. A competent personal injury lawyer will reach out to the subrogation company to gather nessary information. With the product fraud scam, callers are trying to get your Blue Cross Blue Shield contract number in an effort to get reimbursed from your insurance for a product that may not be effective. Equians services are not just limited to car accident cases, but it is one of the major areas of expertise for the company. Get free credit monitoring if you are an active duty military or National Guard member. Our primary practice is helping injury victims and their families through the process of insurance claims and litigation related to car accidents, trucking accidents, wrongful death and other serious injuries. Retaining an attorney is also important because the letter ultimately demands reimbursement for medical costs that can be negotiated. Consider the same drivers as above. If you receive a subrogation letter in the mail and you do not have insurance, you will need to defend the claim on your own. Dont let identity theft catch you off guard. not. If you suspect a collection agency is pursuing you through unfair means, report your concerns to the Federal Trade Commission at ftc.gov or the Consumer Financial Protection Bureau at consumerfinance.gov. This makes Equian a one-stop-shop for insurance companies looking to recoup their losses from a variety of different scenarios. No credit card required. sending you letters. Your email address will not be published. Please contact us if collection agency Equian, LLC, is trying to collect money from you, or has so attempted within the last year. The nation's consumer protection agency, the Federal Trade Commission, enforces the Fair Debt Collection Practices Act, which bars debt collectors from using abusive, unfair or deceptive practices. They are asking if I was involved in an accident or injury.. For example, you: The company acts as a third-party administrator, working on behalf of the insurance company to recover the funds they paid out. If this is the case for you and a collector tries to garnish funds in your account, your bank or credit union must protect two months' worth of the benefits and let you use that money. The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations. ), on behalf of your health insurance company. Late payments can remain on your credit reports for up to seven years from the original delinquency date. Thank God for them., 2299 W ADAMS AVE, SUITE 102, I received the same letter but I was only in an accident last year. Here are some answers to frequently asked questions . Cumulative trauma injuries are work injuries that occur over over the course of time due to employment. In 2017, Optum accounted for 44 percent of UnitedHealth Group's profits and as of . You'll also receive a monthly Equifax credit report. If you do not have a lawyer, then you should contact one promptly. San Francisco, California 94111, Anderson Franco, Esq. 5975 Castle Creek Pkwy Ste 100. $290 to register or renew a collection agency registration; $290 to register each branch office of the collection agency (if any) $10 to write the mandatory exam; See section 29.1 of the CDSSA for more information about fees. Include the physical address of our business or site headquarters. Their goal is to recover the most amount of money for them. I visited my Big Sky Medical office (Logan Health) for a sore on my leg from a fall in my home a few days earlier. They are giving people letters that just go to the doctor. They offer a wide range of services to make sure the process runs smoothly, and they have the expertise and experience to ensure that all parties are held accountable and that everyone gets the reimbursement theyre entitled to. Optum, Inc. is an American pharmacy benefit manager and health care provider.It has been a subsidiary of UnitedHealth Group since 2011. What if I dont want to sue the person who hurt me? The subrogation companies will eventually demand money to resolve unpaid medical bills. Also, collection agents get paid for results. Place or manage a freeze to restrict access to your Equifax credit report, with certain exceptions. Can debt collectors see your bank account balance or garnish your wages? The FDCPA prohibits debt collectors from using abusive, unfair or deceptive practices to collect debts from you. corp. Yes, debt collectors can take you to court to recover a past-due debt. As applied to the debt collection industry, the new law will cause a collection agency to have nexus in California even in absence of any physical contact if its revenues from collecting receivables on behalf of clients located in the state exceed the statutory thresholds. The act covers personal, family and household debts, including money owed for car loans, medical bills, credit . Medicare paid for am MRI. Equian (or one of these other companies) is contacting you to find out how you got hurt. / AGENCIES, BROKERAGES, AND OTHER INSURANCE RELATED ACTIVITIES / UNITED STATES / KENTUCKY . We never ask for credit card numbers. Its standard for the insurance carrier to step in and handle the subrogation claim on your behalf. 2023 Anderson Franco. Penn Credit Corporation: Harrisburg. Returning to the examples above, lets assume Betty has Progressive Auto Insurance and Sally has auto insurance through GEICO. Medical confidentiality is a serious concern and it feels like they are predators. What can collection agencies do to collect payment on a debt? To follow up with them after correspondence (live chat, email or phone inquiries). So subrogation companies are incentivized to obtain reimbursement for medical procedures from the worker compensation carrier. Learn how your comment data is processed. A lawyer also investigates your situation to consider whether you are entitled to additional compensation. I was working in my back yard. We do not specifically market to children under the age of 13 years old. Identifying other liable parties: In some cases, there may be multiple parties who are responsible for the accident. The doctors are typically located out of . Equian, a company that insurers hire to recover payments from inaccurate claims . If the insurance company . It probably is. Anderson Franco My finger got fractured, and thats really it. equian.com A debt collector may only contact other people, such as family members or friends, to gain information about how to locate you. Product scam. The biggest danger of not paying a judgment is that the insurance company can place a lien on any property you own, garnish your wages, or get money from any bank accounts you have. I didnt have any treatment for any accident or treatment for an accident on tyhis date or other date from OUCH. United States Since browser is a little different, look at your browsers Help Menu to learn the correct way to modify your cookies. ABC insurance brings a subrogation claim on behalf of Sally against Betty, and her auto insurance provider, to recover the money they paid Sally to fix her car. Googles use of the DART cookie enables it to serve ads to our users based on previous visits to our site and other sites on the Internet. The prospect of strangers knocking on your door and asking for money that you may not be able to pay can be scary, especially if you're unsure of your rights. Although the collection agency may not report the unpaid debt to the three nationwide consumer reporting agenciesEquifax, TransUnion and Experian it is a good idea to check your credit reports. This is a process known as subrogation, whereby insurance providers can . 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