Dear
George C. Halvorson-
I
made an online payment of $234 to Kaiser Permanente
on 2/28/2011. Kaiser lost it and subsequently turned me over
for collection. I have provided proof of this payment
clearing the bank 3 times now to USCB, the collection agency I was
turned
into. I have also provided the proof of payment 3 times now
to J. Davila, Kaiser Member Services Department. I have proof
of all six faxes being sent and received.
Despite
this legally irrefutable proof (I am a C.P.A.,
so believe me, I know business law) your Member Services Department is
still insisting I owe the $234 and I still should be in collection
because "Kaiser can not find this payment." The
fact
Kaiser's system for processing online payments is very weak and looses
payments is not legally my problem-it is Kaiser's. Attempting
to collect from someone who can provide proof of an online payment
clearing the bank is so illegal, as a C.P.A.,
I can hardly believe Kaiser is doing this.
In
addition, on 9/16/2010, I made a payment of $57
against my co-pay. I joined Kaiser on 7/15/2010 and was not
informed that premium payments must be paid to a separate account from
co-pay payments. Every other doctor I have dealt with in the
past has had all payments go to one account. At this
point in time, Kaiser has had five different accounts for me!
Anyway, I made the $57 dollar online payment to the premium
account, however, I noted in the memo section that it was to be applied
to the co-pay account and listed that account number.
J.Davila is now insisting that this $57 payment can not be transferred
to the co-pay account and therefore, I deserve to be in
collections. Again, this is of highly
questionable legality, not to mention very bad customer
service. If Kaiser is turning many new customers over for
collections simply because they paid all co-pays to their premium
account not being informed under your odd billing system co-pays have a
separate account, then you may have a class action lawsuit waiting to
happen for illegal collection harassment!
In
addition, in early November, 2010, I received a
notice from Kaiser that my Kaiser account had been shut down effective
October 1, 2010. I was very panicked about the fact I had
been without health insurance for over a month and Kaiser had not even
informed me promptly of that fact. When I called in, I was
informed I was still with Kaiser but I had been transferred to a new
group and would receive a new account number
shortly. As a Certified Public Accountant,
I have audited my bill and discovered my outstanding balances
on the old account were transferred either months later or never
transferred at all to my new account. Therefore, the
bills I received for the new account did not properly include all
balances from the old account, causing a misstatement
in balances still due. In addition, I am
concerned that balances treansferred to the new account also
remained as open balances on the old account, in effect, duplicate
billing me.
Also,
why have I had five different accounts with
Kaiser? In addition to the change in account number due to
being assigned to a new group and the separate premium account, I also
got a separate account number for Pharmacy and Lab, Radiology and
UltraSound. I have been a C.P.A. for 30 years, and I have
never seen such an overly complex, confusing billing system.
I
also do not understand why all my co-pays were not
collected at the time of service as my credit card was charged each and
every time I came into Kaiser. Is someone just justifying
having a huge billing department?
All
other vendors I deal with save money by sending me
e-bills which my bank promptly pays. Your manual, snail mail
billing system is in the age of the dinosaurs.
Finally,
at the time I was turned over for collection,
not only did I not owe Kaiser anything, but Kaiser actually owed me
$100 for an emergency out of network service. Kaiser's
billing system is so out of date, the premium account system does not
talk to the co-pay account system or the claims owed to patients
department. If Kaiser had a decent billing system,
the Billing Department could have easily seen my
premium account had a credit balance, a claim of $100 was owed to me
and even with the $234 failing to post, the total I owed
Kaiser was $3, hardly an amount worth turning over for
collection!
P.S.-The
collection agency I was turned into also refused to forward
all my proof of payments on to Kaiser, apparently still illegally
trying to collect a collection fee.
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The Kaiser Papers