In response to the Revdex.com complaint submitted on 9/8/by Mr[redacted] with an assigned Revdex.com ID [redacted] , Trover Solutions, Incresponds as follows: After review of Mr [redacted] complaint and statements, Trover is glad to have the opportunity to explain who we are and why we have contacted himTrover apologizes if Mr [redacted] misunderstood Trover’s role and potentially misinterpreted the attempts to obtain additional information The inquiry is simply an attempt to gather information on behalf and at the direction of [redacted] *** Trover Solutions, Inc(“Trover”) is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in all fifty states, including Illinois Trover is an insurance subrogation firm providing services on behalf of a number of the nation’s largest health/disability plans In this case, Trover’s client is [redacted] (“***”)Mr [redacted] insurance is through [redacted] of Texas, a division of *** Trover is acting as an agent of [redacted] to provide investigative services designed to determine if [redacted] has a subrogation right [redacted] Texas’ insurance contracts with its insureds expressly allow them to subcontract their rights to pursue potential subrogation claims While [redacted] (and Trover) knows that medical services were provided, they have NO information as to the cause of the injury or whether there might be a third party liable for the injuries suffered by the memberThe information requested by Trover from Mr [redacted] is supplemental tothe information that has already been filed with the original claim for coverage That contact was on behalf of [redacted] **, and at their request After receiving and processing data files of paid claims provided by insurance companies (like [redacted] of Texas), Trover analyzes those files to identify claims with potential subrogation rightsTrover’s process involves sending letters to members in order to facilitate the exchange of information between the member and Trover customer service to verify details related to causation of the injury for which certain medical claims paid and processed through insurance Trover is not a bogus or “fly by night” company, or a fraud or scam In fact, Trover is a Revdex.com Accredited Business with an A+ rating Trover’s services allow health insurance companies to be reimbursed by responsible parties for claims paid on injuries that are the responsibility of third parties These recoveries act to reduce insurance premiums Trover apologizes that Mr [redacted] found it difficult to reach Trover through the number provided on his letter That should certainly not happen I encourage him to try the number again, or, as stated in his letter, Mr [redacted] has the option of contacting Trover through our website at www.TroverSolutions.com
In response to the Revdex.com complaint submitted on 3/12/by Ms [redacted] * [redacted] (“Ms [redacted] ”), with an asigned Revdex.com ID of [redacted] , Trover Solutions, Incresponds as follows: After review of Ms [redacted] ’ complaint, Trover is glad to have the opportunity to explain who we are and why we have contacted herTrover apologizes if Ms [redacted] misunderstood Trover’s role and potentially misinterpreted the attempts to obtain additional informationThe inquiry is simply an attempt to gather information on behalf and at the direction of [redacted] TX Trover Solutions, Inc(“Trover”) is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in all fifty states, including TexasTrover is an insurance subrogation firm providing services on behalf of a number of the nation’s largest health/disability plans In this case, Trover’s client is [redacted] (“***”)Ms [redacted] ’s insurance is through [redacted] of Texas, a division of *** [redacted] has a contractual arrangement with Trover whereby [redacted] asks Trover to perform subrogation investigation services on their behalf Trover is acting as an agent providing [redacted] with investigative servicesThe information sought by Trover is information that it is entitled to request from the insured and the insured is obligated to cooperate pursuant to the terms of her insurance policy The information requested by Trover from Ms [redacted] in the letters sent is supplemental to the information that has already been filed with the original claim for coverageWhile [redacted] (and Trover) knows that medical services were provided, no information is known as to the cause of the condition necessitating the medical care or whether there might be a third party liable for payment In this case, the first discovery letter on this particular event ( [redacted] event # [redacted] ) was sent on 1/21/16, followed by an additional letter on 3/9/16, each simply seeking informationAs of this date, no response has been received by TroverTrover is not a bogus or “fly by night” company, or a fraud or scamAnd, the request is NOT a violation of HIPAAThrough its contractual relationship, Trover is a “Business Associate” of [redacted] (who is a “Covered Entity”) under HIPAAEverything being done by [redacted] and Trover is in full compliance with all applicable federal and state laws, including HIPAA In fact, Trover is a Revdex.com Accredited Business with an A+ ratingTrover’s services allow health insurance companies to be reimbursed by responsible parties for claims paid on injuries that are the responsibility of third partiesThese recoveries act to reduce insurance premiums Ms [redacted] can respond to Trover in one of two easy ways: 1) respond via Trover’s online secure website at any time of the day or night or 2) call Trover’s customer service department during extended business hours M-F, and abbreviated hours on SaturdayTrover commits to keeping the conversation brief/to the point and asking only those questions necessary to determine whether a third party liability claim exists
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted] **
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me I consider this complaint to be resolved.Regards, [redacted]
In response to the Revdex.com complaint submitted on 10/26/by [redacted] * [redacted] (“Ms [redacted] ”), with an assigned ID of [redacted] , Trover Solutions, Incresponds as follows: Trover Solutions, Inc(“Trover”) is an insurance subrogation firm providing services on behalf of a number of the nation’s largest health/disability plans Trover is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in all fifty states, including Delaware Trover Solutions is a Revdex.com Accredited Business with an A+ rating In this case, Trover’s client is [redacted] After review of Ms [redacted] ’s complaint and statements, Trover is glad to have the opportunity to explain who we are and why we contacted her Trover apologizes if Ms [redacted] misunderstood Trover’s role and potentially misinterpreted the attempts to obtain additional informationTrover acts as an agent of [redacted] to provide investigative services designed to determine if [redacted] has a subrogation right Trover is expressly allowed by contract with [redacted] to pursue potential subrogation claims Through that contractual relationship, Trover is a “Business Associate” of [redacted] (who is a “Covered Entity”) under HIPAA Everything being done by [redacted] and Trover is in full compliance with all applicable federal and state laws, including HIPAA After receiving and processing data files of paid claims provided by [redacted] , Trover analyzes those files to identify claims with potential subrogation rights Trover’s process involves sending letters to members in order to facilitate the exchange of information between the member and Trover customer service to verify details related to causation of the illness/injury for which certain medical claims were paid and processed through insurance With regard to this matter specifically, Trover sought basic information from Ms [redacted] on behalf of [redacted] That contact was on behalf of [redacted] (and at [redacted] ’s request) The file was investigated based on bills that indicated a beginning of treatment for thoracic spine pain The bills began with date of service 4/10/and continue with physical therapy and last date of service 10/12/ Ms [redacted] responded to Trover’s discovery letters that the treatment was not related to an accident or injury and that was not work-related As a result, Trover closed the file No further contact related to those dates of service should be necessary Trover is not a bogus company or a fraud or scam In fact, Trover's services allow health insurance companies to be reimbursed by responsible third parties for claims paid on injuries that are the responsibility of other payors These recoveries act to help reduce insurance premiums
Response: In response to the Revdex.com complaint submitted on 8/17/by Mr [redacted] M [redacted] (“Mr [redacted] or “Member”), with an assigned ID of [redacted] , Trover Solutions, Incresponds as follows: Trover Solutions, Inc(“Trover”) apologizes for any confusion that may have occurred with Mr [redacted] receiving our letter and the subsequent phone conversationTrover is not a fraud or scamTrover’s letters are not phoney, are not phishing, are not attempting identity theft, and are not an attempt to collect a debtHopefully this explanation will operate to clarify who Trover is and how we are contacting him on behalf of [redacted] of Massachusetts (“ [redacted] ”)Trover is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in all fifty states, including MassachusettsTrover is a legitimate business engaged by Mr***’s health insurance company [redacted] Trover is an accredited Revdex.com member with an A+ ratingTrover is an insurance subrogation firm providing services to a number of the nation’s largest health plansTrover is legally and contractually allowed to contact the member to make certain information requestsIn this case, Trover is not using [redacted] as a coverTrover provides services for [redacted] pursuant to a contract between the two companiesTrover is acting as an agent for [redacted] to provide investigative services as allowed under Mr***’s insurance contract with [redacted] While [redacted] (and Trover) knows that medical services were provided, no information is known as to the cause of the injury/issue or whether there might be a third party liable for the injuries suffered by the member, or someone under his policyThe information requested by Trover from the [redacted] member is supplemental to the information that has already been filed with the original claim for coverageAfter receiving and processing data files of paid claims provided by [redacted] , Trover analyzes those files to identify claims with potential subrogation rightsTrover’s process involves sending letters to [redacted] members in order to facilitate the exchange of information between the member and Trover customer service to verify details related to the medical claims paid and processed through [redacted] With regard to Mr***, it appears that the facts are as follows: • The Member has been sent at least one (1) letter requesting that he contact our customer service department to discuss treatment rendered to someone in his family• Trover received a call from Mr [redacted] and was informed that the treatment rendered involved his sonHowever, Trover did not obtain the basic information on the cause of the injuries/illnesses for which his son received treatment• Trover is not seeking money from Mr [redacted] or his familyRather, Trover, on behalf of [redacted] is simply seeking information for which it is legally entitled• A simple response on Trover’s website (www.troversolutions.com) or a short follow up call to the customer service number listed on the letter by Mr [redacted] or his child (if of legal age) would quickly resolve this matter and enable Trover to likely close its fileTrover is not a fraud or a scamIn fact, Trover’s services allow health insurance companies to be reimbursed by responsible parties for claims paid on injuries that are the responsibility of third partiesThese recoveries act to reduce insurance premiums Sent on: 8/18/1:35:PM
In response to the Revdex.com complaint submitted on 10/12/by Ms [redacted] (“Ms***”), with an assigned ID of [redacted] , Trover Solutions, Incresponds as follows: Trover Solutions, Inc(“Trover”) is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in Kentucky, Ohio (and most every other state in the United States) Trover is an insurance subrogation company who provides subrogation related services to a number of the nation’s largest health plans In this case, Trover was providing subrogation services to its client related to an auto accident involving Ms*** It appears that Ms [redacted] was driving the car of a friend, Ms***, and hit the vehicle of an insured of a Trover client Neither Ms [redacted] nor Ms [redacted] had insurance on the at fault vehicle As a result of the accident, the original amount due was $ Trover representatives went back and forth with Ms [redacted] and Ms [redacted] as they were both responsible parties While it appears that there was an error with the calculation of the original amount due, that error was fixed and both individuals were notified of the amount due Both individuals agreed to pay down payments, which didn’t occur Then they agreed to pay $down (over a 3-month period), but that also failed to occur At no point was a formal agreement executed between any of the parties here, everything was verbal and by email To our knowledge, there have been sporadic payments between the two persons that result in approximately $4,being still due Due to our inability to recover the sums due, this file was deemed “failure to pay” and referred to our outside collection group The sums due are valid, no consistent payments were received, and the file was assigned to and is being handled by [redacted] (1- [redacted] ) and is no longer in our control
RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. [Provide details of why you are not satisfied with this resolution. Please respond here ONLY] Regards, [redacted] I don't even have [redacted] insurance, and I can offer no help of information I refuse to contact any of their services based on their correspondence is in contrast to their statement their letters are a threatening nature that if I don't respond it Will be turned over to a credit agency with attorneys name's on the top of the correspondence, that is unacceptable. Close the file, and move on.
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below the company states they have no reference to my phone number and requested a case number The case number that they keep quoting to me is in reference to a [redacted] case number CA [redacted] the callers name was [redacted] *** Regards, [redacted]
Upon a review, Equian confirms that claim number [redacted] - [redacted] and the other claim related to member [redacted] regarding the date of injury at issue have both been closed
In response to the Revdex.com complaint submitted on 4/25/by [redacted] (“Ms***”), with an assigned ID of [redacted] , Trover Solutions, Incresponds as follows: Trover Solutions, Inc(“Trover”) is an insurance subrogation firm providing services on behalf of a number of the nation’s largest health/disability plansTrover is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in all fifty states, including Virginia, West Virginia, and Washington D.CTrover Solutions is a Revdex.com Accredited Business with an A+ ratingIn this case, Trover’s client is [redacted] After review of Ms***’s complaint and statements, Trover is glad to have the opportunity to explain who we are and why we contacted herTrover apologizes if Ms [redacted] misunderstood Trover’s role and potentially misinterpreted Trover’s purpose for contacting herTrover acts as an agent of [redacted] to provide investigative services designed to determine if [redacted] has a subrogation rightTrover is expressly allowed by contract with [redacted] to pursue potential subrogation claimsThrough that contractual relationship, Trover is a “Business Associate” of [redacted] (who is a “Covered Entity”) under HIPAAEverything being done by [redacted] and Trover is in full compliance with all applicable federal and state laws, including HIPAAAfter receiving and processing data files of paid claims provided by [redacted] , Trover analyzes those files to identify claims with potential subrogation rightsTrover’s process involves sending letters to members in order to facilitate the exchange of information between the member and Trover customer service to verify details related to causation of the illness/injury for which certain medical claims were paid and processed through insuranceWith regard to this matter specifically, Trover sought the assistance of Ms [redacted] in having her college aged son contact Trover related to a matter he was already involved in with TroverIt is my information that no PHI was sent by email to Ms***Trover apologizes for contacting her at work on her government email account for this purposeTrover has no plans to contact her again on this matter
Calls are often recorded for training purposes, however, after days, any recordings are destroyed As such, Ms [redacted] 's recording is no longer available Trover maintains notes in the electronic file of the contact made and any responses from the responding member.The response made to Ms [redacted] was not generic, but in fact generated directly in response to her specific complaint after reading the complaint and analyzing her file in order to determine the facts and circumstances of her file in light of her complaint Trover would be happy to provide more information if Ms [redacted] still has questions, however, we believe that we have directly addressed all of her questions and concerns
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted] ***
The Revdex.com complaint goes to [redacted] event # [redacted] It should be noted that [redacted] is NOT an insurance company and is NOT a fraudulent company [redacted] is a vendor that performs services FOR insurance companies In this case, [redacted] 's client is Auto Owners The initial letter was sent to the responsible party on 10/27/The 3rd party, [redacted] , contacted [redacted] and stated that she (Ms [redacted] ) got out and took pictures and didn’t see any damages to the insured's vehicleMs [redacted] requested [redacted] send her pictures of the damages and a statement from the AO adjuster who adjusted the claim verifying damages were caused from this lossHowever, there are no photos in our file documents or in the supporting documents [redacted] received from Auto Owners [redacted] did not send a suspension request to the Indiana DMV, It appears that in this state if an accident occurs and the police report notes the responsible party did not have the state required liability insurancethey will automatically suspend their driver’s license After Ms [redacted] refused to pay the damages, since we could not send her damage photos, the file has since moved to a outside collections vendor ( [redacted] and Associates) who has the file in active collectionsIf Ms [redacted] doesn't have the documentation, she can contact Wilbur and receive documentation of the full amount owed (including the loss notice, the rental invoice, the damage estimate that Auto Owner's sent to [redacted] for auditing, and their complete audit report of the damages)The total of the damages presented is $(which includes the insured’s $deductible)
In response to the Revdex.com complaint submitted on 9/8/by Mr[redacted] with an assigned Revdex.com ID [redacted] , Trover Solutions, Incresponds as follows: After review of Mr [redacted] complaint and statements, Trover is glad to have the opportunity to explain who we are and why we have contacted himTrover apologizes if Mr [redacted] misunderstood Trover’s role and potentially misinterpreted the attempts to obtain additional information The inquiry is simply an attempt to gather information on behalf and at the direction of [redacted] *** Trover Solutions, Inc(“Trover”) is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in all fifty states, including Illinois Trover is an insurance subrogation firm providing services on behalf of a number of the nation’s largest health/disability plans In this case, Trover’s client is [redacted] (“***”)Mr [redacted] insurance is through [redacted] of Texas, a division of *** Trover is acting as an agent of [redacted] to provide investigative services designed to determine if [redacted] has a subrogation right [redacted] Texas’ insurance contracts with its insureds expressly allow them to subcontract their rights to pursue potential subrogation claims While [redacted] (and Trover) knows that medical services were provided, they have NO information as to the cause of the injury or whether there might be a third party liable for the injuries suffered by the memberThe information requested by Trover from Mr [redacted] is supplemental tothe information that has already been filed with the original claim for coverage That contact was on behalf of [redacted] **, and at their request After receiving and processing data files of paid claims provided by insurance companies (like [redacted] of Texas), Trover analyzes those files to identify claims with potential subrogation rightsTrover’s process involves sending letters to members in order to facilitate the exchange of information between the member and Trover customer service to verify details related to causation of the injury for which certain medical claims paid and processed through insurance Trover is not a bogus or “fly by night” company, or a fraud or scam In fact, Trover is a Revdex.com Accredited Business with an A+ rating Trover’s services allow health insurance companies to be reimbursed by responsible parties for claims paid on injuries that are the responsibility of third parties These recoveries act to reduce insurance premiums Trover apologizes that Mr [redacted] found it difficult to reach Trover through the number provided on his letter That should certainly not happen I encourage him to try the number again, or, as stated in his letter, Mr [redacted] has the option of contacting Trover through our website at www.TroverSolutions.com
In response to the Revdex.com complaint submitted on 3/12/by Ms [redacted] * [redacted] (“Ms [redacted] ”), with an asigned Revdex.com ID of [redacted] , Trover Solutions, Incresponds as follows: After review of Ms [redacted] ’ complaint, Trover is glad to have the opportunity to explain who we are and why we have contacted herTrover apologizes if Ms [redacted] misunderstood Trover’s role and potentially misinterpreted the attempts to obtain additional informationThe inquiry is simply an attempt to gather information on behalf and at the direction of [redacted] TX Trover Solutions, Inc(“Trover”) is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in all fifty states, including TexasTrover is an insurance subrogation firm providing services on behalf of a number of the nation’s largest health/disability plans In this case, Trover’s client is [redacted] (“***”)Ms [redacted] ’s insurance is through [redacted] of Texas, a division of *** [redacted] has a contractual arrangement with Trover whereby [redacted] asks Trover to perform subrogation investigation services on their behalf Trover is acting as an agent providing [redacted] with investigative servicesThe information sought by Trover is information that it is entitled to request from the insured and the insured is obligated to cooperate pursuant to the terms of her insurance policy The information requested by Trover from Ms [redacted] in the letters sent is supplemental to the information that has already been filed with the original claim for coverageWhile [redacted] (and Trover) knows that medical services were provided, no information is known as to the cause of the condition necessitating the medical care or whether there might be a third party liable for payment In this case, the first discovery letter on this particular event ( [redacted] event # [redacted] ) was sent on 1/21/16, followed by an additional letter on 3/9/16, each simply seeking informationAs of this date, no response has been received by TroverTrover is not a bogus or “fly by night” company, or a fraud or scamAnd, the request is NOT a violation of HIPAAThrough its contractual relationship, Trover is a “Business Associate” of [redacted] (who is a “Covered Entity”) under HIPAAEverything being done by [redacted] and Trover is in full compliance with all applicable federal and state laws, including HIPAA In fact, Trover is a Revdex.com Accredited Business with an A+ ratingTrover’s services allow health insurance companies to be reimbursed by responsible parties for claims paid on injuries that are the responsibility of third partiesThese recoveries act to reduce insurance premiums Ms [redacted] can respond to Trover in one of two easy ways: 1) respond via Trover’s online secure website at any time of the day or night or 2) call Trover’s customer service department during extended business hours M-F, and abbreviated hours on SaturdayTrover commits to keeping the conversation brief/to the point and asking only those questions necessary to determine whether a third party liability claim exists
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted] **
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me I consider this complaint to be resolved.Regards, [redacted]
In response to the Revdex.com complaint submitted on 10/26/by [redacted] * [redacted] (“Ms [redacted] ”), with an assigned ID of [redacted] , Trover Solutions, Incresponds as follows: Trover Solutions, Inc(“Trover”) is an insurance subrogation firm providing services on behalf of a number of the nation’s largest health/disability plans Trover is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in all fifty states, including Delaware Trover Solutions is a Revdex.com Accredited Business with an A+ rating In this case, Trover’s client is [redacted] After review of Ms [redacted] ’s complaint and statements, Trover is glad to have the opportunity to explain who we are and why we contacted her Trover apologizes if Ms [redacted] misunderstood Trover’s role and potentially misinterpreted the attempts to obtain additional informationTrover acts as an agent of [redacted] to provide investigative services designed to determine if [redacted] has a subrogation right Trover is expressly allowed by contract with [redacted] to pursue potential subrogation claims Through that contractual relationship, Trover is a “Business Associate” of [redacted] (who is a “Covered Entity”) under HIPAA Everything being done by [redacted] and Trover is in full compliance with all applicable federal and state laws, including HIPAA After receiving and processing data files of paid claims provided by [redacted] , Trover analyzes those files to identify claims with potential subrogation rights Trover’s process involves sending letters to members in order to facilitate the exchange of information between the member and Trover customer service to verify details related to causation of the illness/injury for which certain medical claims were paid and processed through insurance With regard to this matter specifically, Trover sought basic information from Ms [redacted] on behalf of [redacted] That contact was on behalf of [redacted] (and at [redacted] ’s request) The file was investigated based on bills that indicated a beginning of treatment for thoracic spine pain The bills began with date of service 4/10/and continue with physical therapy and last date of service 10/12/ Ms [redacted] responded to Trover’s discovery letters that the treatment was not related to an accident or injury and that was not work-related As a result, Trover closed the file No further contact related to those dates of service should be necessary Trover is not a bogus company or a fraud or scam In fact, Trover's services allow health insurance companies to be reimbursed by responsible third parties for claims paid on injuries that are the responsibility of other payors These recoveries act to help reduce insurance premiums
Response: In response to the Revdex.com complaint submitted on 8/17/by Mr [redacted] M [redacted] (“Mr [redacted] or “Member”), with an assigned ID of [redacted] , Trover Solutions, Incresponds as follows: Trover Solutions, Inc(“Trover”) apologizes for any confusion that may have occurred with Mr [redacted] receiving our letter and the subsequent phone conversationTrover is not a fraud or scamTrover’s letters are not phoney, are not phishing, are not attempting identity theft, and are not an attempt to collect a debtHopefully this explanation will operate to clarify who Trover is and how we are contacting him on behalf of [redacted] of Massachusetts (“ [redacted] ”)Trover is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in all fifty states, including MassachusettsTrover is a legitimate business engaged by Mr***’s health insurance company [redacted] Trover is an accredited Revdex.com member with an A+ ratingTrover is an insurance subrogation firm providing services to a number of the nation’s largest health plansTrover is legally and contractually allowed to contact the member to make certain information requestsIn this case, Trover is not using [redacted] as a coverTrover provides services for [redacted] pursuant to a contract between the two companiesTrover is acting as an agent for [redacted] to provide investigative services as allowed under Mr***’s insurance contract with [redacted] While [redacted] (and Trover) knows that medical services were provided, no information is known as to the cause of the injury/issue or whether there might be a third party liable for the injuries suffered by the member, or someone under his policyThe information requested by Trover from the [redacted] member is supplemental to the information that has already been filed with the original claim for coverageAfter receiving and processing data files of paid claims provided by [redacted] , Trover analyzes those files to identify claims with potential subrogation rightsTrover’s process involves sending letters to [redacted] members in order to facilitate the exchange of information between the member and Trover customer service to verify details related to the medical claims paid and processed through [redacted] With regard to Mr***, it appears that the facts are as follows: • The Member has been sent at least one (1) letter requesting that he contact our customer service department to discuss treatment rendered to someone in his family• Trover received a call from Mr [redacted] and was informed that the treatment rendered involved his sonHowever, Trover did not obtain the basic information on the cause of the injuries/illnesses for which his son received treatment• Trover is not seeking money from Mr [redacted] or his familyRather, Trover, on behalf of [redacted] is simply seeking information for which it is legally entitled• A simple response on Trover’s website (www.troversolutions.com) or a short follow up call to the customer service number listed on the letter by Mr [redacted] or his child (if of legal age) would quickly resolve this matter and enable Trover to likely close its fileTrover is not a fraud or a scamIn fact, Trover’s services allow health insurance companies to be reimbursed by responsible parties for claims paid on injuries that are the responsibility of third partiesThese recoveries act to reduce insurance premiums Sent on: 8/18/1:35:PM
In response to the Revdex.com complaint submitted on 10/12/by Ms [redacted] (“Ms***”), with an assigned ID of [redacted] , Trover Solutions, Incresponds as follows: Trover Solutions, Inc(“Trover”) is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in Kentucky, Ohio (and most every other state in the United States) Trover is an insurance subrogation company who provides subrogation related services to a number of the nation’s largest health plans In this case, Trover was providing subrogation services to its client related to an auto accident involving Ms*** It appears that Ms [redacted] was driving the car of a friend, Ms***, and hit the vehicle of an insured of a Trover client Neither Ms [redacted] nor Ms [redacted] had insurance on the at fault vehicle As a result of the accident, the original amount due was $ Trover representatives went back and forth with Ms [redacted] and Ms [redacted] as they were both responsible parties While it appears that there was an error with the calculation of the original amount due, that error was fixed and both individuals were notified of the amount due Both individuals agreed to pay down payments, which didn’t occur Then they agreed to pay $down (over a 3-month period), but that also failed to occur At no point was a formal agreement executed between any of the parties here, everything was verbal and by email To our knowledge, there have been sporadic payments between the two persons that result in approximately $4,being still due Due to our inability to recover the sums due, this file was deemed “failure to pay” and referred to our outside collection group The sums due are valid, no consistent payments were received, and the file was assigned to and is being handled by [redacted] (1- [redacted] ) and is no longer in our control
RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. [Provide details of why you are not satisfied with this resolution. Please respond here ONLY] Regards, [redacted] I don't even have [redacted] insurance, and I can offer no help of information I refuse to contact any of their services based on their correspondence is in contrast to their statement their letters are a threatening nature that if I don't respond it Will be turned over to a credit agency with attorneys name's on the top of the correspondence, that is unacceptable. Close the file, and move on.
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below the company states they have no reference to my phone number and requested a case number The case number that they keep quoting to me is in reference to a [redacted] case number CA [redacted] the callers name was [redacted] *** Regards, [redacted]
Upon a review, Equian confirms that claim number [redacted] - [redacted] and the other claim related to member [redacted] regarding the date of injury at issue have both been closed
In response to the Revdex.com complaint submitted on 4/25/by [redacted] (“Ms***”), with an assigned ID of [redacted] , Trover Solutions, Incresponds as follows: Trover Solutions, Inc(“Trover”) is an insurance subrogation firm providing services on behalf of a number of the nation’s largest health/disability plansTrover is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in all fifty states, including Virginia, West Virginia, and Washington D.CTrover Solutions is a Revdex.com Accredited Business with an A+ ratingIn this case, Trover’s client is [redacted] After review of Ms***’s complaint and statements, Trover is glad to have the opportunity to explain who we are and why we contacted herTrover apologizes if Ms [redacted] misunderstood Trover’s role and potentially misinterpreted Trover’s purpose for contacting herTrover acts as an agent of [redacted] to provide investigative services designed to determine if [redacted] has a subrogation rightTrover is expressly allowed by contract with [redacted] to pursue potential subrogation claimsThrough that contractual relationship, Trover is a “Business Associate” of [redacted] (who is a “Covered Entity”) under HIPAAEverything being done by [redacted] and Trover is in full compliance with all applicable federal and state laws, including HIPAAAfter receiving and processing data files of paid claims provided by [redacted] , Trover analyzes those files to identify claims with potential subrogation rightsTrover’s process involves sending letters to members in order to facilitate the exchange of information between the member and Trover customer service to verify details related to causation of the illness/injury for which certain medical claims were paid and processed through insuranceWith regard to this matter specifically, Trover sought the assistance of Ms [redacted] in having her college aged son contact Trover related to a matter he was already involved in with TroverIt is my information that no PHI was sent by email to Ms***Trover apologizes for contacting her at work on her government email account for this purposeTrover has no plans to contact her again on this matter
Calls are often recorded for training purposes, however, after days, any recordings are destroyed As such, Ms [redacted] 's recording is no longer available Trover maintains notes in the electronic file of the contact made and any responses from the responding member.The response made to Ms [redacted] was not generic, but in fact generated directly in response to her specific complaint after reading the complaint and analyzing her file in order to determine the facts and circumstances of her file in light of her complaint Trover would be happy to provide more information if Ms [redacted] still has questions, however, we believe that we have directly addressed all of her questions and concerns
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted] ***
The Revdex.com complaint goes to [redacted] event # [redacted] It should be noted that [redacted] is NOT an insurance company and is NOT a fraudulent company [redacted] is a vendor that performs services FOR insurance companies In this case, [redacted] 's client is Auto Owners The initial letter was sent to the responsible party on 10/27/The 3rd party, [redacted] , contacted [redacted] and stated that she (Ms [redacted] ) got out and took pictures and didn’t see any damages to the insured's vehicleMs [redacted] requested [redacted] send her pictures of the damages and a statement from the AO adjuster who adjusted the claim verifying damages were caused from this lossHowever, there are no photos in our file documents or in the supporting documents [redacted] received from Auto Owners [redacted] did not send a suspension request to the Indiana DMV, It appears that in this state if an accident occurs and the police report notes the responsible party did not have the state required liability insurancethey will automatically suspend their driver’s license After Ms [redacted] refused to pay the damages, since we could not send her damage photos, the file has since moved to a outside collections vendor ( [redacted] and Associates) who has the file in active collectionsIf Ms [redacted] doesn't have the documentation, she can contact Wilbur and receive documentation of the full amount owed (including the loss notice, the rental invoice, the damage estimate that Auto Owner's sent to [redacted] for auditing, and their complete audit report of the damages)The total of the damages presented is $(which includes the insured’s $deductible)