Tom received a medical collection notice for a procedure his son had 15 months prior. Tom took it upon himself to contact the collection department to try to rectify this problem, but was unable to make an impact since the collection department only wanted him to pay the amount due. He also received an alert from his credit reporting agency that this default of payment was on his credit report. Tom felt as though he had no resolution until he place one call to his BenefitsVIP Team. The BenefitsVIP Advisor called the collection agency and was able to obtain the carrier and the doctor’s information. The Advisor found out that the original claim was processed incorrectly as an out-of-network claim. The claim was resubmitted and paid. The advisor completed a conference call with the collection agency and the carrier to resolve and remove any negative information from Tom’s credit report.