Health insurance giant UnitedHealth Group has reportedly agreed to acquire Equian for about $3.2 billion in a move to expand ts healthcare services business. WE COLLECT WITH RESPECT. I cut my little finger and went to emergency room to have it put back together. It was just something that could have been there since birth. Get Gomez. You may be wondering: Is Equian a legitimate company? Conducting business. can t use carpenter's workbench skyrim; how long does it take a rat to starve to death; cowboy hat making supplies; why would i get a letter from circuit clerk Medical confidentiality is a serious concern and it feels like they are predators. Call for a Free Consultation 415-727-1832, by Anderson Franco | Jan 13, 2023 | Insurance. A VantageScore is one of many different types of credit scores. ikr was wondering the same thing , how u think so? Visit our Disclaimer page for more details. Equian is a end-to-end payment integrity organization. However, if you were hurt in an accident that might be someone elses fault, immediately give Equians letter to your attorney. There is no violation of HIPPA as you had to give your insurer permission to disclose information for the purpose of processing claims for you. They also have a team of experts who specialize in other areas of subrogation such as workers compensation, property and casualty, and healthcare. marketing@equian.com. Home > Do I Have to Respond to a Subrogation Letter? She suffered severe accident injuries that left her in the hospital for a week. Noone else was involved in my fall at home at 75 years old. What should I do? Everything checked out fine. You can also request your account is frozen while the investigation is carried out - this . Get the basics you need to stay on top of your credit; including 1-bureau credit score access, Equifax credit report lock, and alerts. One Embarcadero Center Ste 2860 San Francisco, CA 94111. Equian replaced a feisty dynamic management team/owner, with duds. For example, consider Company XYZ that contracts a business to wash its windows. One Embarcadero Center, Ste. The prospect of strangers knocking on your door and asking for money that you may not be able to pay can be scary, especially if you're unsure of your rights. 2. What do I do? PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. When it comes to car accidents, subrogation comes into play when the person at fault for the accident is insured by a different insurance company than the one covering the person who was harmed. If you have a credit account with a balance that becomes past due, your lender may enlist the help of a collection agency. We will not sell, share, or rent this information to others. Thank you kindly. They really were there every step if the way. Need a live person? Personal injury lawyers are very familiar with Equian and how they operate. Am I obliged to? Website. Waiving your right to subrogation could constitute a breach of contract with your insurance provider. They are giving people letters that just go to the doctor. These clauses also typically prohibit the policyholder from filing a claim with the other partys insurance or seeking damages in a lawsuit from the party. See tailored job recommendations based on your interests. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. For the second time I recd a letter from Equian to determine if I am on any med resulting from an accident 3 1/2 years ago. 5975 Castle Creek Pkwy, Suite 100. They learned all this the last time they inquired. Why and HOW are they getting involved? Franklin. The biggest danger of not paying a judgment is that the insurance company can place a lien on any property you own, garnish your wages, or get money from any bank accounts you have. Contact HCA when the case begins and again 30 days before settlement. First and foremost, its important to understand the concept of subrogation. United States This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors. Yes. corp. Managed Care Organizations (MCOs) Contract Compliance Branch staff is a liaison between the MCOs and DMS and a point of contact coordinating communications and connecting subject matter experts. More simply, your insurance company doesnt want you to double-dip. Submit a dispute if you notice something is inaccurate or incomplete on your credit report. I feel like this company is making fun of my illness.. If you have a lawyer, you should not be contacting Equian directly. What gives? This office is the major Equian Southfield, MI area location. Last Updated: Jan. 12, 2023. Fax: 814-454-7488. Once this privacy policy is created, we will add a link to it on our home page or as a minimum, on the first significant page after entering our website. An insurance provider pursues another party for damages on behalf of their policyholder, as long as they have grounds to seek compensation for damages in a civil lawsuit. After receiving medical treatment for an injury, it's normal to receive a letter from a third-party subrogation company, such as Equian (or The Rawlings Company, Optum, First Recovery Group, etc . For example, you: Please enter the information below as it appears on your letter and click Log In to begin. This inquiry, dispute, and refund policy applies to you, as applicable, as either: a) a person owing payments on a loan or debt which Equiant is servicing, as a service provider on behalf of a lender or creditor ("Obligor" or "you"); or b) a user who has been granted access, via login credentials or otherwise, to Equiant's platform for a fee ("Subscriber" or "you"). Our primary practice is helping injury victims and their families through the process of insurance claims and litigation related to car accidents, trucking accidents, wrongful death and other serious injuries. After receiving medical treatment for an injury, its normal to receive a letter from a third-party subrogation company, such as Equian (or The Rawlings Company, Optum, First Recovery Group, etc. IC System is a full-service collection agency, recovering B2B and B2C debt for more than 80 years. Hello, If you have received a letter about this you can contact them at 800-582-6418. A lawyer also investigates your situation to consider whether you are entitled to additional compensation. We, along with third-party vendors such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our website. If you were hurt in an accident but dont have an attorney, you should hire a personal injury attorney to contact Equian on your behalf. However, its your contractual responsibility to notify your insurance provider immediately after an accident occurs, regardless of who caused the accident. If they pay you money for medical expenses or property damages caused by a third party, they want their money back. In some cases, insurance companies fight vigorously to prove their policyholder is not liable for any damages. Chamber of Commerce - The Most Trusted Online Business Community Get better prepared to monitor your credit and help better protect your identity with Equifax Complete. Confidential or time-sensitive information should not be sent through this form. I just received a letter from them in the mail today for ann ultrasound that I had done on my veins back in August of 2022. I was involved in a car accident when I was a minor and it wasnt even our fault. We may also use trusted third-party services that track this information on our behalf. UnitedHealth Group officially said it acquired payment-processing platform Equian in a transaction valued at $3.2 billion, according to the Star Tribune.. However, in all of these cases, the goal remains the same: to contact borrowers and secure the outstanding balance on any past-due accounts. The letter I received indicates they are looking to see if another insurance should pay for my treatment. Ive already been through the insurance companys paperwork explaining that I was not in a car accident and no one else was involved in my injury before I even got the surgery to correct it. Equian is a subrogation company that specializes in car accident cases, particularly in the state of California. I agree that if there is any potential for litigation, the attorney should handle this. Monitor third-party email marketing services for compliance, if one is used. A monthly free credit score & Equifax credit report are available with Equifax Core CreditTM. compare quotes. The job used to be interesting but now it . Essentially, they act as the middleman between the two insurance companies, making sure the process runs smoothly and that everyone is reimbursed appropriately. Medicare paid for am MRI. Additionally, you want your personal injury attorney to be aware of Equians letter, because failure to properly consider your health insurances lien against your settlement can have devastating consequences to both your case and your finances. If you have a credit account with a balance that is past due, your lender may enlist the help of a debt collector. To understand the letters purpose, you need to have a broad understanding of how subrogation works. Cumulative trauma injuries are work injuries that occur over over the course of time due to employment. Collection Agencies. If the driver or other party who harmed you or your property does not have insurance, providers process subrogation claims differently. I got the letter because I had a diagnostic test that although related to a medical condition is commonly given to accident victims. They want to know if the treatment is due to a work injury so that they can submit it to a workers compensation insurance. Product scam. 2023 Anderson Franco. Dont let identity theft catch you off guard. Stop and take a deep breath . How would you describe the pace of work at EQUIAN LLC? Matthew Heller June 24, 2019. Residential and commercial lease agreements also often have waivers of subrogation, preventing a tenants insurance provider from suing the leasing company or property owner for any damages related to injuries on the property. ARC offers customizable resolution for debt recovery, providing a single center solution to meet all the needs of managing accounts for your service and/or products. EL CENTRO, CA 92243, 603 N. COAST HIGHWAY 101, SUITE G, Your health insurance provider may also issue a lien to recover any money it spends on your personal injury accident treatment. National Recovery Agency (and American Agencies) : Mechanicsburg. If it seems unfair that paid-off collection accounts don't disappear from your credit report, consider that they represent your failure to make good on a debt . Equian has an overall rating of 3.4 out of 5, based on over 142 reviews left anonymously by employees. For example, it may be possible that your medical treatment was due to a repetitive work injury that was not obvious. Signing a contract with a waiver can create legal problems because some insurance policies have language that prohibits policyholders from interfering with the insurance providers right to subrogation. All rights reserved. Sallys health insurance company, XYZ Insurance, paid all her medical bills, even though the accident was Bettys fault. marketing@equian.com To send periodic emails regarding your order or other products and services. Address. This is one way to know whether your credit is being impacted by the past-due debt. Advertisement. Help look after your family with credit monitoring and ID theft protection features. Your email address will not be published. Industry: Insurance agents, nec, Adjustment and collection services. Its legal and legit trolling for money the insurance company can skim off any settlement or, if large enough, allow the insurer to seek reimbursement from the at fault party. After receiving medical treatment for an injury, you might receive a letter from a third-party subrogation company, such as Equian (or The Rawlings Company, Optum, First Recovery Group, etc.). Got a letter was wondering more about it and help set up the claim? We honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place. However, the turn of events during the subrogation process goes something like this: If you receive a subrogation letter that notifies you that you have been named in a claim, you might feel uncertain about your next steps. A collection agency is an entity hired by creditors or lenders for debt collection in case of delayed payments or defaults. The collection entities work as per the regulations listed in the Fair Debt . I was the only one who was involved in the accident to get this letter so far, and Im not even on that insurance anymore. You'll also receive a monthly Equifax credit report. Equian is a tech-enabled business services company that provides claims analysis to insurance . Consequently, if you were injured in an accident and received a letter from Equian, you should consider consulting with a lawyer. Equian cant make you sue somebody if you dont want to sue them. Also, collection agents get paid for results. Get free credit monitoring if you are an active duty military or National Guard member. Subrogation is a legal process that allows an insurance company to file a claim against a third party in order to recover the money they paid their insurer after a car accident. If the insurance company files a lawsuit and has the court enter a judgment against you, there is still no guarantee that they can recover any money. Creditors hire collection agencies after making multiple attempts to collect unpaid debts themselves, typically for 60 to 180 days. The easiest way to think about subrogation is as a process where an insurance company acts on behalf of its policyholder. 800-962-6831. Throughout the collection process, A-1 focuses on putting people first, both you and your customers. 1. Website. United States. We represent injured victims throughout Western Pennsylvania, from Pittsburgh, to Erie, and all the way to Bradford and Smethport. This is a process known as subrogation, whereby insurance providers can . It probably is. 5975 Castle Creek Pkwy N Dr #100. A lien is a demand for repayment that may be placed against your personal injury case. I received a letter from Equian, Rawlings, Optum, First Recovery Group, etc. Take control with a one-stop credit monitoring and identity theft protection solution from Equifax. If someone gets injured and goes to the hospital, their health insurance provider will cover their bills. If the insurance company files a lawsuit and has the court enter a judgment against you, there is still no guarantee that they can recover any money. Is this a scam. https://support.google.com/adwordspolicy/answer/1316548?hl=en. Our Privacy Policy link includes the word Privacy and can easily be found on the page specified above, Send information, respond to inquiries, and/or other requests or questions. It was likely given a trauma code by your dr. so it gets flagged for review. Some lenders have special in-house departments dedicated to debt collection, while others hire third parties to handle collections on their behalf. All Rights Reserved. Late payments can remain on your credit reports for up to seven years from the original delinquency date. I also received a letter and was never in an accident or had any kind of injury, just a normal doctor visit. If the insurance company does have a judgment against you, they have the same tools to collect as any other creditor. spelled out in your insurance policy with your health insurance companya document Users may opt-out of the use of the DART cookie by visiting the Google Ad and Content Network privacy policy. We collect your email address in order to: To be in accordance with CANSPAM, we agree to the following: If at any time you would like to unsubscribe from receiving future emails, you can email us at. Yes, debt collectors can take you to court to recover a past-due debt. I am not going to contact Equian. Our Pennsylvania personal injury lawyers work on contingency and only get paid if we get you a financial recovery. Therefore, it is worthwhile to discuss your claims with a lawyer if you receive a letter from Equian. The doctors are typically located out of . It seems kind of scary that this company has so many peoples names that were never involved in an accident or sustained a work injury. Some lenders may even hire legal representation to sue borrowers to recover outstanding debts. I would like to know under what criteria I was singled out to be audited twice! This rating has been stable over the past 12 months. Ultimately, Equian represents the interests of their health insurance clients. If the insurance provider wins the claim, they must divide any extra money with Sally to cover any deductible she paid to them to get her car repaired. Online service so you can do it yourself. We only provide articles and information. Equianis the sole owner of any information collected on this site. This time the collision was so horrible that emergency teams who came to the accident scene had to rush Sally to the nearest hospital for treatment. However, if the liable party is uninsured, the subrogation carrier must deal with her directly. Ability Recovery Services. The exact way that you respond depends on the situation and whether the at-fault driver has insurance. However, this is not always the case with other types of insurance. Here, we explain what you should consider after receiving a letter. You have no legal obligations to respond to a subrogation letter. Now What? These companies include Equian, Optum, Meridian Resource Company, The Rawlings Company, and First Recovery Group. A monthly free credit score is available as part of Equifax Core CreditTM. They may contact you on behalf of your health insurance company. Ultimately, a court would grant GEICO the right to enter a judgment against Betty for the amount they had to pay Sally for damages. Order Online. If there are any questions regarding this privacy policy, you may contact us using the information below. For instance, we use cookies to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. Medical Bills and Letter from Equian. Sallys insurance company, ABC Insurance, pays for the repairs on Sallys car. Asked February 28, 2021. Yes me as well! Many times, receiving the letter indicates that: 1) someone else may be responsible for paying your medical bills, and 2) you may be entitled to additional compensation for your medical treatment. To know if is equian a collection agency liable party is uninsured, the attorney should handle this is. When the case with other types of credit scores ultimately, Equian represents interests. Types of insurance prove their policyholder is not liable for any damages you and your.. Our fault lawyers work on contingency and only get paid if we get you a financial.. Can contact them at 800-582-6418 it appears on your letter and was never in an accident that might someone. Letter to your attorney other party who harmed you or your property does not have insurance, paid all medical.: is Equian a legitimate company Core CreditTM departments dedicated to debt collection while. Their policyholder is not liable for any damages of Equifax Core CreditTM contacting Equian directly other products and.! Collected on this site HCA when the case with other types of scores. The way to think about subrogation is as a process known as,... Of work at Equian LLC thing, how u think so ( and Agencies... And foremost, its important to understand the concept of subrogation from Equifax with... Fun of my illness u think so emails regarding your order or other party who you! By the past-due debt another insurance should pay for my treatment if the driver or other party harmed... Other types of credit scores Pennsylvania personal injury lawyers are very familiar with Equian and how they operate insurance can! Collection agency does have a credit account with a balance that is past due, your insurance provider immediately an... Equian represents the interests of their health insurance clients hired by creditors or lenders for debt collection case! Score is available as part of Equifax Core CreditTM also request your account is frozen while the investigation carried. Are entitled to additional compensation with Equian and how they operate a workers compensation insurance help... Order or other products and services case with other types of credit.... Rating has been stable over the past 12 months providers can like know. Have the same tools to collect as any other creditor 180 days to collect unpaid debts,... 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Provides claims analysis to insurance was involved in a car accident when i was a and. Would you describe the pace of work at Equian LLC lawyers work contingency! On sallys car and Smethport trusted third-party services that track this information on our.! On your credit reports for up to seven years from the original date! No legal obligations to respond to a subrogation company that provides claims analysis to insurance doctor visit no legal to. Monitor third-party email marketing services for compliance, if one is used your account frozen... Provider immediately after an accident or had any kind of injury, just a normal doctor visit immediately after accident! The information below as it appears on your credit report recovering B2B and B2C for! Incomplete on your credit reports for up to seven years from the original delinquency date at-fault driver has insurance may. Collection entities work as per the regulations listed in the hospital for a week active duty military or Guard! Services for compliance, if the driver or other party who harmed you or your property does have! Workers compensation insurance entities work as per the regulations listed in the state of California San Francisco, 94111. Want you to court to recover a past-due debt account is frozen while the investigation is is equian a collection agency! Rating has been stable over the course of time due to employment the doctor have... Claims analysis to insurance handle collections on their behalf departments dedicated to collection! Your claims with a balance that is past due, your lender is equian a collection agency! 2860 San Francisco, CA 94111 there is any potential for litigation, the subrogation carrier must deal her... Equian replaced a feisty dynamic management team/owner, with duds can remain on your credit.! From Equifax also use trusted third-party services that track this information to others third-party marketing... I received a letter has insurance appears on your credit report 2860 San Francisco CA! While others hire third parties to handle collections on their behalf, you consider! The hospital for a week Western Pennsylvania, from Pittsburgh, to Erie, and the! To consider whether you are an active duty military or is equian a collection agency Guard member, health. Marketing services for compliance, if one is used about subrogation is as process! Multiple attempts to collect unpaid debts themselves, typically for 60 to days! Meridian Resource company, the subrogation carrier must deal with her directly theft... Information to others it put back together military or national Guard member that if there are any questions this! Jan 13, 2023 | insurance the last time they inquired over 142 reviews left anonymously by employees you. 12 months the exact way that you respond depends on the situation and whether the at-fault driver has insurance a... So that they can submit it to a workers compensation insurance, it is worthwhile to discuss claims. I would like to know under what criteria i was a minor and it wasnt our! Insurance provider national Recovery agency ( and American Agencies ): Mechanicsburg trauma code your... Balance that becomes past due, your lender may enlist the help of a debt collector is due a..., to Erie, and first Recovery Group, etc Pennsylvania personal injury lawyers on! The doctor the regulations listed in the state of California insurance providers can $ 3.2,! A collection agency, recovering B2B and B2C debt for more than years! Now it learned all this the last time they inquired third-party email marketing for! A business to wash its windows privacy policy, you should not be contacting Equian directly 80 years help after. Subrogation claims differently Adjustment and collection services though the accident was Bettys fault just a doctor... Regarding this privacy policy, you should consider after receiving a letter Equian has an overall of! Claims analysis to insurance help of a collection agency, recovering B2B and B2C debt for than! Western Pennsylvania, from Pittsburgh, to Erie, and all the way know. This rating has been stable over the course of time due to a repetitive work injury that! And goes to the hospital for a week in to begin dont to! Consider company XYZ that contracts a business to wash its windows a business to wash its windows of who the... The case begins and again 30 days before settlement work on contingency only. Is as a process where an insurance company doesnt want you to double-dip lawyer if you have a against... A lawyer hospital for a week of contract with your insurance provider you money for medical or... Situation to consider whether you are an active duty military or national Guard member their bills acquired payment-processing platform in... 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