Medical Debt and Bill Collectors
If you want to appeal a service or treatment you’ve already had, you may start getting bills for that service from your doctor. Don’t ignore your medical bills.
Call your doctor’s office right away.
- Tell them that you want to appeal the denial. Ask if they will wait until after the appeal to bill you.
- Or, pay the whole bill or set up a monthly payment plan for an amount you can afford. If you win your appeal, you’ll get back money you paid that should have been covered by your plan.
- If it has been less than 30 days from the first phone call or letter they sent, you can request a validation of the debt. This will stop them from trying to collect payment while you appeal. You can find a sample letter here: http://ptla.org/sites/default/files/debt_collection_validation_request_letter.pdf
- If it has been more than 30 days from the first phone call or letter they sent, you can use the template letter from Pine Tree Legal to stop them from calling and sending you letters. You can find this sample letter here: http://ptla.org/sites/default/files/debt_collection_stop_calling_letter.pdf
If you have questions about your rights in the debt collection process, call Pine Tree Legal at 207-774-8211 or visit http://ptla.org/debt-collectors-are-calling-me-what-can-i-do.
Check out the Medical Debt & Billing Guide
This Tool kit guide from the Maine Youth Transition collaborative has information and steps specifically for former foster youth on avoiding or dealing with medical debt. However, much of the material and steps will apply to anyone.
You may have the right to an appeal
In most cases you have appeal rights but it’s complicated. Find more information about appeals in Maine at this link.