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I have contacted the office multiple times now to get the financials and all i've been told is that I don't owe them any money but that I have $0 credit.
1. Send them a letter via certified mail so you have proof of delivery. You have a right under HIPAA to access all of your medical and billing records to make sure that they calculated your balance due correctly. An individual’s right of access generally applies to the information that exists within a covered entity’s designated record set(s), including: (1) a health care provider’s medical and billing records, (2) a health plan’s enrollment, payment, claims adjudication, and case or medical management record systems, and (3) any information used, in whole or in part, by or for the covered entity to make decisions about individuals. A record is any item, collection, or grouping of information that includes PHI and is maintained, collected, used, or disseminated by or for the covered entity. See 45 C.F.R. § 164.501 (definition of “designated record set”). The Privacy Rule requires covered entities to respond to requests for access in a timely manner. Except as otherwise specified, the Privacy Rule requires the individual be notified of the decision within 30 days of the covered entity’s receipt of the request. See 45 C.F.R. § 164.524(b)(2)(i). You can then use this to verify if you should have more than a zero credit balance.
How can that be? I terminated the treatment 13 months in (out of 24) and the total cost was supposed to get $4,726 per their contract with Delta Dental yet they received a total of $5,070.50 between all my insurance payments and what they received from me personally.
2. Under contract law it would appear that you would owe them atleast their out of pocket costs till you termiated treatment plus the profit that they would have made on the contract if you have completed all 24 payments. This is called the benefit of the bargain damages. Other you may need to read the contract to see what it states their remedy or rights are if you terminate early.
Am I just out of luck or can I file a complaint with the American Dental Association and/or Better Business Bureau or other agency & trade group?
3. You can file a complaint with any or all of these; but first get the records and the contract you signed and see what the correct calculation entitles you to. The make a demand on the office in writing explaining your position. If they still fail to comply, then go this route.
Also, would it be best to go directly to an attorney and have a letter sent?
4. This may cost you more money than what you are out. So first do the above and see where you stand. Then you may want to pay a local lawyer $250.00 to write a demand letter.