I got a bright pink letter in the mail yesterday.
A bit of backstory: in October, I got a steaming case of MRSA in a skin abscess. At the time, I was about a week shy of my insurance being in effect; however, if I’d waited that long, there was a good chance I’d have been extremely sick with a systemic infection. So I went to the clinic where I used to work to get it taken care of, knowing that they didn’t verify insurance. I figured either the Heart Fund would cover it or I could work on paying it down later.
Heart covered my prescriptions, but not the office visit and labwork, so I’ve been paying down that balance since I got the first bill in December. And now this, notification that, unless I pay the bill in full, I will be turned over to a collection agency. I’m pretty sure I’m going to send this letter up to Lowell on Monday, if only to amuse myself. It’s not like I have a whole lot to lose.
Dear Maria,
This letter is in regards to my account, #******, and a notice I received in the mail regarding my balance.
I have not “ignored” previous reminders. I have been making regular payments on this balance. Since December, I have paid as much as I could and brought my balance from $343 to its current amount of $75 (as I see from my online bank statement that my most recent check, #242, has just been cleared). Unless your company decides to make any more arbitrary “adjustments”, I should have this balance paid within a month or two.
I do not appreciate being treated like a deadbeat, although I am seeing the side of Northwest Physicians that, as an employee, I used to receive the most complaints about. I can definitely better understand the patients’ perspective*, although this is an object lesson I’d prefer to have skipped.
Of course, you could say that, had I paid my balance in full this wouldn’t be a problem, and you’d be right. I should have had the foresight to avoid getting an unpreventable and potentially life-threatening infection, and I also should have had enough money saved up to cover such potential problems. If we’re going to go down that avenue, however, I probably should also have had the sense to marry a man whose financial status was the most attractive thing about him; better yet, if I had any sense at all, I’d have finished my education and never set foot in this miserable state in the first place, but that’s another story and a couple glasses of wine.
I cannot pay my balance in full at this time. If you feel four to six weeks is too long to wait for $75 (although I understand that this amount may be inflated based on any particular whim and my only recourse in this situation would be to bend over and lube up), and that missing this amount of money would be so detrimental to the company that it be absolutely necessary to turn my account over to a collection agency, well, who am I to question your judgment?
I’m not a stupid woman, and I know that, by turning my account over, your company is not “using another means to collect on a debt after all other options have been exhausted.” All other options have not been exhausted, as I continue to receive bills and continue to make payments. I have a feeling that, by selling my debt to a collection agency, you are seeking merely to punish me for being delinquent, to damage me for not living up to your standards. This is understandable. I myself would probably have reservations about taking actions that equated to such value judgments on people’s lives, but I know it takes different strokes to move the world.
In other words, Northwest Physicians doesn’t need my money now. It just wants me to get a slap on the hand for being such a naughty girl. It may not be the official company line, but I heard variations on it enough times during my tenure at the Rogers clinic to know that treating people like that was not what I wanted to do with my life.
In conclusion, I will continue sending you checks until the balance has been satisfied. I have a feeling (call it a hunch) that your company will continue to cash them.
Sincerely,
Danaë Suhovich
*I’m sure you’re thinking, “of course those deadbeats complain when we try to collect, they’re scummy, debt-dodging deviants”. However, I’d have to say that a good deal of the people who had problems with your office were people whose only offense was not having a vast and intricate knowledge of the ins and outs of Medicare, the insurance industry, and the bureaucracy of Northwest.