I am in the process of writing letters to Quest, my attorney, my insurance company, several news media agencies, my state representatives at the state and federal level, the New York State Health Insurance Department, and the New York State Attorney General's office.
Guess my insurance company is trying to ruin my credit, huh? More likely Quest is trying to shake me down for the money. Funny how MY insurance company told me it wasn't. Their letter also informed me that "based on the explanation of benefits received from insurance company, this balance is responsibility". Today (two weeks later) I receive a letter from Quest advising me that my account is past due and they are going to send it to a collection agency. A week later I received a letter from my insurance company stating that they sent Quest a copy of my explanation of benefits, and that they informed Quest that I owed only the amount per the explanation of benefits. My insurance company said they would contact Quest about the matter. My insurance company advised me that Quest engaged in "balance billing" and that, after reviewing my records, I did not owe Quest anything other than what was indicated on the insurance explanation of benefits. My balance was not resolved after two weeks, so I called my insurance company. I called back and spoke to someone else who gave me a fax number and told me to fax a copy of my explanation of benefits to her. I called Quest and spoke to an extraordinarily rude individual who advised me to "just pay it" and when I asked to be transferred to customer service, she hung up on me. This bill showed my payment credited to my account, and a balance due for the difference between the entire amount billed and my payment. Two weeks later I receive another bill from Quest. At that time I thought my business with Quest was done. I included the payment I owed per the explanation of benefits, and remitted a copy to Quest patient billing. Quest first sent me a bill for the total amount they billed to the insurance company, and noted on their invoice that I was to remit a copy of my insurance company "explanation of benefits" if it showed I owed a lesser amount. My husbands does not, so he owes labs nothing for services provided. My insurance company has a co-insurance amount for labwork. Quest is not happy about this despite the fact that they freely enter into these contracts with the insurance companies when they agree to be preferred providers. insurance pays $30 when Quest billed for $310). Our insurance companies secure deep discounts from Quest for services (ex. Quest is a preferred provider for both our insurance companies. Both my husband and myself have been "balance billed" by Quest for labwork. Be careful about paying bills from Quest Diagnostics.
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