VICTIM OF FRAUD My wife was having a baby back on May-2006, Her primary Doctor sent her To the Obstetrix Medical Group Located in Hamilton Ave San Jose, Ca. Her primary Doctor told her not worry about the Insurance covering because They do accept PacifiCare.! My wife and I were barely new to PacifiCare we didnâ??t know how this really Works or what exactly we supposed to do before visit any place â??According to PacifiCareâ?? We hired the doctor in the first place â??thanks Godâ?? was in the PacifiCare Network. But we thought that once we have a doctor and the doctor send you to these Different places for testing or examinations? It will cover by the insurance.!! However this is what got us in trouble. Even if a doctor send you to another place for some sore of test, we supposed to Find out first if that place is cover by PacifiCare, According to this Insurance. But, there were times that insurance was confused themselves with their system, They didnâ??t even know if some places my wifeâ??s doctor used for third party work Were their responsibility to pay or not. How we supposed to know that as well?? They didnâ??t make any sense at all. Which, Again, We didnâ??t know this. And because the doctor told us the Obstetrix Medical Group is cover by PacifiCare? So went and we even asked the Counter Employee at the desk if they take PacifiCare? And she said â??Yesâ?? She took our Insurance card and took a photocopy and we filled out other forms Days later, We received a bill from Obstetrix Medical Group for the amount of $1,964 which this bill continued arriving over and over at my house. In the mean time I was calling insurance to find out why they were not paying this Bill? And they told me that the Obstetrix Medical Group was not in the network. We told them that my wifeâ??s doctor checked it in Northrop Grumman website that Was in the network that it was cover thatâ??s why we went. Time went by, later I received a letter from California Business Bureau collecting The amount of $2,731.41 including fees. To contact the collector At this time I got the news that PacifiCare Finally decided to pay so I got the copy Of the PacifiCare Payment. Then I called this guy the collector and told him this bill has been paid by the Insurance. Then he asked to send him a copy. I did, sent him the copy when saw the total amount that was paid to Obstetrix? Which was $1,178.40 because the difference was my discount. THIS IS HOW HMO INSURANCE COMPANY WORKS However, the collector told me: â?? Not, you need to pay the difference then, I said: If you have any questions, please call the insurance. So, he told me that he will check it out. On 01/23/2008 6 Months later I received a garnishment letter from the company I work for that Legal Action involving employee wages will be against me. So, I contacted the collector and asked him: â??Why Do you keep bothering me with this? This bill has been paid before back on 05/07/2007â?? He replied: â??Not, it Hasnâ??tâ?? you are responsible for the difference of the $1,178.41 plus interest. Then I said â??noâ?? you still donâ??t understand.! Ok, Iâ??ll find out thru my insurance and the obstetrix Medical group to see what they are after me for? So, I called the Insurance PacifiCare and explained them the situation and they said: â??Well, we donâ??t understand why this people is bothering you, this bill has been paid back on 05/07/2007 call for some Legal help. I called the Obstetrix Medical Group Headquaters in Arizona at the Phone Number: 1-877-737-4546, I talked to the guy â??that helpâ??which he didnâ??t want Give me his last name or any reference number. Anyways, He told me that my wifeâ??s account has been closed back in 05/07/2007 With satisfactory results that he didnâ??t understand why collection still working on this. He even told me that he will send a letter to collection to stop this but this will take Some time to get there and stop it. But collection is already on my employer against my wages. Later, I faxed these two statements from the calls to the collector and called him After works to tell him that nothing is left to be paid. He said â??Noâ?? you need to pay the remaining balance plus interest. So I told him, fine Iâ??ll contact my Company benefit representative, then he said, â??Okâ?? So, I called my company benefit representative and explained her the problem. She said: â??Bring me copies of everything you gotâ?? She called the California Business Bureau and asked for some one in charged For the particular matter. So, spoke a lady there, they went thru the Problem and they came out that They were making a mistake. That they thought I was in the PPO Plan because the HMO Plan members donâ??t owe Any difference and that the fees will be waved. So, The lady will send a document via Fax to my company benefit representative and that She will send this copy to my company payroll so they can stop this. WHY WE HAVE TO GO THRU THIS?? WHO IS PAYING ME MY TIME FOR THIS?? WHO IS PAYING MY FRUSTRATION FOR THIS?? WHO IS PAYING FOR THE BAD MOOD Iâ??VE BEEN WITH MY FAMILY?? WHAT ABOUT MY CREDIT REPORT RATE?? PLEASE, HELP First, I'm not a book writer to decide how much should I put in my text.! I'm just an individual trying to survive from my attackers.! Some people here in these answers are not undertanding the subject. I said: This place was in the Insurance Network under my company website. We checked it at the doctor's office that day, that's why we went. Now when the collection started their collection letters? I called them to let them know that the bill has been fully paid and nothing was left to owe. But, this collector was so stubborn about it and said to me many times: "No, it's your responsability to pay the difference and I will collect this money" Now, my company sarted to take money from my check.! and my company Benefit representative is working on the issue that it's wrong and she asking letters to the collector to send them to my company to stop this as we're speaking.! I'll appreciate more help and where to go exactly to see if I have a case or not.