Mom's medical insurance decided she was in the wrong plan and took back all the money paid to the hospital. We filed an appeal and it was denied and will not allow another appeal because the mistake was found after over a year. She had Tricare through her ex-husband.
The hospital billed her for the entire amount which she ignored and now it is in collections. Is there any way to negotiate the amount of the bill once it has gone to collections? She could pay the bill, but it will wipe out the majority of her savings.
She is getting so many notices that I don't know if any of them are scams and which ones are real.
What is her next step?