Menu
CB Other Trover Solutions, Inc. Possible Identity Theft Scam
Trover Solutions, Inc.

Trover Solutions, Inc. review: Possible Identity Theft Scam 91

C
Author of the review
3:20 pm EST
Verified customer This complaint was posted by a verified customer. Learn more
Featured review
This review was chosen algorithmically as the most valued customer feedback.

I too received the same intrusive letter. What they don't make clear is exactly who wants this information, nor do they explain in human terms anyone can understand, why they want it. Of course we're afraid of giving out our personal medical information, out of the blue, to some company who doesn't truthfully identify themselves.

I refuse to respond to their letters of inquiry because everything they need to know is in my medical record. I've already stated how/why my injury occurred. It's from a lifetime of breaking my back so you birdbrains can get rich. Leave me alone.

Here's something that makes it a bit clearer. It did for me anyway.

Here's some gobbly [censored] for your edification: "With health care costs on the rise, most employers are looking for ways to better manage their employee’s insurance and medical expenses. In support of this effort, Blue Cross Blue Shield administers a provision that will encourage the reduction of health care costs without reducing health benefits; that provision is known as Reimbursement or Subrogation and applies when Blue Cross and Blue Shield has paid claims that might be the responsibility of another party.

Our partnership with Healthcare Recoveries, Inc. (HRI) will assist in this administration of the Reimbursement/Subrogation provision through the review of paid health care claims that could potentially be the responsibility of another party (e.g., claims processed for a member who had been in an auto accident).
Source(s):
Blue Cross and Blue Shield of Illinois Customer Advocate."

Update by cherub100
Jun 10, 2010 11:01 pm EDT

Then why doesn't your company identify itself as Trover Solutions Inc. in their mailings? Could it be the name doesn't sound 'medical' enough?

Update by cherub100
Jun 11, 2010 8:27 pm EDT

I know all I need to know about your company, and mine.

Update by cherub100
Jul 10, 2010 11:16 pm EDT

Just received "3rd notice" from your company. Listen idiots, I've already given accurate information at time of admission to ER. I, repeat, I, already know WHO is responsible for my care. Kaiser, the company I, repeat, I, pay through the nose for. So what, you want to find a way to make the state pay? Go f*ck yourself!

Update by cherub100
Aug 30, 2010 8:48 pm EDT

Nope. I'm not legally obligated to waste my time answering their questions. Not gonna happen.

Update by cherub100
Sep 02, 2010 8:08 pm EDT

Well, apparently, according to Gibson & Sharps, PSC, on behalf of Kaiser/Healtcare Recoveries, I am legally obligated to answer the vultures inquiries. I received a letter today telling me so. Frankly, this is extremely upsetting to me. Last March my back gave out, I missed 6 weeks of work throwing me into a financially bog. I'm now making payments to Kaiser because I 'd foolishly opted for their deductible plan through my job. Now: I owe Kaiser $500, behind financially, and they hire firm to bother me about details, details already given at time of treatment of my injury.
Here's what part their scare letter says:
"Dear Member, This firm represents Kaiser Northern California and Heathcare Recoveries. You may wish to review your health plan contract to determine any legal obligation you might have to provide certain information in connection with the claim referenced above."

Update by cherub100
Sep 02, 2010 8:15 pm EDT

BTW, I no longer have Kaiser. Had to cancel due to money problems. I will never, under any circumstances, use Kaiser healthcare again. I'd rather die. P.S. Cheri Hall, I have zero intention of answering duplicate questions to your company or any other firm you deal with. What? Am I going to be arrested and sent to jail failing this?

Update by cherub100
Sep 02, 2010 9:15 pm EDT

Interesting. Just googled the law firm, found an interesting tid bit:

"I got the same letter. This is purely speculation on my part!
I don't think they are actually hired by BCBS. I suspect that they found a loophole in HIPAA that allows BCBS to sell contact information that a claim was paid out but not give details of the medical condition. Healthcare Recoveries probably pays BCBS a fee to obtain the list in hopes that they can receive a bounty for any recovered funds. A recovery may not come from the individual, but maybe a insurance payout for workman comp.

It seems similar to 3rd party debt collection efforts.

The wording of the letter is slickly crafted to make you think you need to take action. I'm sure that BCBS verified they are "legit" because Healthcare Recoveries pay a fee and is a customer of BCBS.

Very creative but still slimy."

Update by cherub100
Oct 12, 2010 3:13 pm EDT

Yes! Spread the word!

Update by cherub100
Sep 27, 2011 5:01 am EDT

IGNORE THEM! JC, did some of their weasel employees find their way here? Honest, hardworking Americans have no time for money grubbing shenanigans like that. Vultures!

More Trover Solutions, Inc. reviews & complaints

91 comments
M
M
mvgurl
, US
Mar 06, 2016 2:24 pm EST

I am SO SICK and tired of scammers and thieves making money off of unsuspecting people. Last year, I got a recorded message on my land line, claiming to be the IRS stating a law suit was filed in my name LOL! Sadly, lots of people took the bait from that scam. Now THIS freaking letter you have GOT to be kidding me! What the hell is wrong with our Country? Trump could be our next President, threatening letters to your HOME address claiming to be a rep of YOUR health insurer? WHO ARE YOU!? Give me a break. Give everyone a break. Look deep inside your soul and come up with a way to earn your money in a respectful and dignified manner cause right now you are just a donkey!

J
J
Jean Ann Smith
, US
Feb 23, 2016 6:13 pm EST

I have Kaiser Northern California health care. Just got a letter from Trover about a treatment I had back in September. It's pretty easy folks...call the number and refuse to answer any, and I mean any, personal information, including health care number and birthday (what they asked me). I then told the person that my treatment was due to age and that was that...she updated (I hope) my file and we hung up.
Should I ever hear from them again, I will refer to my grizzly bear attack and the fact that I lost both legs, both arms and my head, thus necessitating the cortisone shot in my shoulder. Let them figure that one out...I look forward to it with glee.

J
J
J. R. Buzzell
, US
Feb 13, 2016 2:38 pm EST
Verified customer This comment was posted by a verified customer. Learn more

I responded to each letter that Trover Solutions sent (three, in all). Finally, I called the number they had on one of the letters, because they obviously don't actually read their mail. I was informed that it would be a 20 minute wait, or I could leave my phone number and receive a callback, without losing my "position in line." They didn't call back, either.

Then, I received a letter from "Gibson & Sharps, Attorneys at Law." What reputable company has a letterhead with no return address or contact information? They want me to contact Trover again (for the 5th attempt), to determine if this was an accident that someone else should have to pay for (it was part of an on-going cancer treatment, and very obvious, that's what it was).

Frankly, these people are giving BCBS a very bad name, if this is how they deal with their internal processes and procedures that roll over to their customers.

R
R
RobinSC
, US
Sep 23, 2015 4:51 pm EDT

Another one here, just ripped up and threw away the third letter - from Gibson & Sharps, after the first two came from Trover Solutions, Inc - regarding a routine chiropractic visit three months ago after reading the multitude of comments here. I've come to the conclusion, based on all of the myriad voices here, that this system is NOT a fraud, NOT illegal, however it is "bottom-feeding", condescending and generally anti-consumer. Remember, if it's "pro-consumer", it should follow the wishes of the consumer, not bully him/her with patronizing and/or vaguely threatening "legal action" with respect to the consumer's healthcare insurer. Suggesting or insisting (with lack of concrete proof that I realize would be confidential and proprietary accounting data, but there you go) that this saves us "millions" or any large # with -llions following is not a validating reason to support this ungainly and unpleasant policy.

To those with negative, snide and overall disrespectful comments towards those with anti- view of this subrogation issue, every company/industry has a party line that defends their point of view, which is understandable. What is NOT understandable is how you would choose to ignore the base complaint - "why?" and post ad hominem attacks as if the existence for this business was an answer to itself. The "why?" is ever present because there are at least a few dozen repeat complaints here stemming from the exact thing. Very few people outside of some legal training even know what "subrogation" means (and it has the tell-tale squiggly red line as I type this, meaning the spellcheck doesn't even recognize it ;). I myself had to google this whole business to find out what was going on.

So why have I not chosen to take part? My experience was that the phone# was busy/on hold, so right there, they could improve their answering system. I am a consumer and do not feel I should wait one millisecond to supply more information that should have been reported initially (and I do not care if that is the process currently - it is a BAD process that could be improved by the way healthcare is reported to the provider). Then I tried the online method and found that they asked VERY invasive questions (and YES, my SSN _was_asked_for (among other things)! Absolutely no reason for this (and I wonder about those of you professing that this was a very "easy, non-invasive" process... sure wasn't the case for me), it's very anti-consumer. All good reasons to refer to the post from "Jenniferclsm" above, who hits the nail on the head regarding US health care.

(And I am going to switch to another health care provider at the end of the year, so I'm not just whining here - I am taking action ASAP)

B
B
Brokenknuckle
Tallahassee, US
Apr 11, 2015 6:50 pm EDT

I received a letter from Trover Solutions with partners Blue Cross Blue Shield of Illinois to review medical services provided and/or paid claims that may have been the result of an accident or injury. Trover Solutions, working on behalf of BCBSIL, needs to obtain detailed to determine whether another party is responsible for the medical treatment provided. Please call Trover Solutions today and have your event number, listed above, along with your BCBSIL identification card ready for reference. Please call regardless of how or where this injury or illness occurred.

Blue Cross Blue Shield of Illinois contacted you clowns, get the information from BCBSIL ! I have bone spurs who fault is that?
Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an independent licensee of the Blue Cross and Blue Shield Association

D
D
doubtmuch?
Corning, US
Mar 19, 2015 4:52 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I, too, received a 2nd attempt letter from Trover Solutions, even though I had never received a first one from them. I did try calling the number listed but only got a recording stating that the number didn't allow messages, and never identified the company at all. I will call my insurance company tomorrow about this because I don't trust Trover, after having read numerous other reports here on them, after checking them out online.

I
I
Irritated Star
, US
Mar 16, 2015 6:20 pm EDT

I too am offended by the tone used in this letter. And the point to my case, it does not involve a company, "I" am responsible! Don't threathen me with the "take appropriate action". Good thing I researched before they scared me! Idiots!

A
A
ADELSON
San Fernando, US
Feb 28, 2015 6:29 am EST

Well if they collect from a third party ...DO I GET MY MONEY BACK TOO ...COST OF ER, MEDICATION, X*RAYS AND SO ON.
ALL OF THOSE THINGS I PAY FOR OUT OF POCKET TILL I REACH MY $6500 DEDUCTABLE

M
M
MrCancer
, US
Feb 24, 2015 9:10 am EST
Verified customer This comment was posted by a verified customer. Learn more

Just called Blue Cross, they told me even though I may have received a letter stating this outfit works for them, they have no record of this.

I was told to ignore the letter.

M
M
MrCancer
, US
Feb 24, 2015 8:29 am EST
Verified customer This comment was posted by a verified customer. Learn more

Got one of these letters too. I did call but when asked some personal questions I said forget it. I dont know who you are. and hung up.

D
D
Deborah Weintraub
Albany, US
Jan 23, 2015 4:33 pm EST
Verified customer This comment was posted by a verified customer. Learn more

I got the letter and like a good idiot I called and gave them the info they wanted. Like another person said they didn't ask for anything that one would think a phishing scam would want but I still had a weird feeling. The person taking my info wasn't friendly. Maybe that was what caused me to research (after the fact-duh on me). I will say that if any issues come up I will know the first place to look. But I changed insurance companies anyway because they paid nothing last year anyway. Humana was the most useless insurance "coverage" I ever had. I'm glad to be rid of them!

P
P
Potterbuff
Oakland, US
Jan 08, 2015 4:24 pm EST
Verified customer This comment was posted by a verified customer. Learn more

I am just now dealing with this company, Trover Solutions, Inc. I received two letters, both during the holidays. The second one, with a "confidential and private" notation on the envelope.

The letter, like the first, gives a fictitious treatment date and the name of a "provider" that I have never seen. I looked up this doctor and he is a radiologist. Moreover, he does not work for Kaiser!

On another website dealing with a complaint about this company, a lawyer suggested that it would be wise to call the insurer and verify that they actually requested Trover assistance. Well, some of you know Kaiser ... so, I am on the 3rd call, going up the chain. I'll try to return and give follow up. I must say that the first person at Kaiser that I spoke with verified that they do indeed use Trover and that I should go ahead and contact them. After I explained the fishy nature of the letter and the multitude of online complaints, she agreed to give me the contact for their Kaiser liaison ... who is away until Jan 26 (today is the 8th). However, she did leave her supervisor's name, and I called her, too. Alas, I had to leave a message.

M
M
My business, not yours
Anywhere, US
Oct 25, 2014 3:14 pm EDT

All I have to say is that I rec'd a letter from Trover Solutions and I get a scammy feel from it. We have some medical debt that we've been working on paying, none from an accident or injury but from illnesses, seizures and from an apendectoomy one of my sons had. We also qualify for aid from various hospitals, but when I fill out the paperwork (exactly according to their requirements) we get denied. The size of our family and our income guarantees we get a discount, yet these places refuse. I am paying everyone monthly, but only what I can manage on our budget. I finally got a settlement letter from one of them and they will cut the remaining bill in half. I am going to be able to pay that one off soon. I think this Trover Solutions is just another debt collector and this is what I got from the
BBB Business Review, CONSUMER COMPLAINTS, THIS BUSINESS IS NOT BBB ACCREDITED, Trover Solutions, Inc.[protected]

D
D
Daveyb
San Jose, US
Oct 15, 2014 4:32 pm EDT

Even if this was legit. Why wouldn't Kiaser inform us this was coming. Or better yet solicit this information them selves. Just toss! There is nothing they can do. If they can't deliver the information promised Kiaser won't use them. My problem is how did they get they initial information about me. I never gave Kiaser permission to share this info.

C
C
coolblue17
Anchorage, US
Oct 10, 2014 12:37 pm EDT

I received the same type of letter in the mail.
To Amanda Hooper, who took pains to explain that they are a genuine organization - with all respect Ma'am, if your company is genuine and not one of those phishing scams, please hire a better business analyst or sales manager who is in touch with clients enough to know how your seemingly innocuous letter is going to interpreted, and that you won't be clarifying our grievances on a complaint board's website.

However, I suspect that is not the case and your company is cheating people.

J
J
Jenniferclsm
Seattle, US
Oct 06, 2014 2:22 pm EDT

I too received a 3rd notice (after trashing the first as all codes in my record were clear this was not an accident, just plain vanilla illness). However, this is a GREAT example of the bigger picture about how our healthcare system works and why it is almost double other industrialized healthcare systems in the world. True story--The US system has evolved into a complicated monstrosity that likes to assign "blame" for health events. When you go looking for who to blame, that's complicated, requiring specialists like HRI. Complication = Expensive. HRI (and Trover) are legal, as a cog in the machinery, part what makes our system so costly. Insurance companies have all sorts of delay tactics to keep from paying and if they can delay long enough, (industry average to cover the same person is 18 months), the covered person will likely move on to the next insurance company for one reason or another.
Subrogation is a fancy name for musical chairs for our healthcare dollars. There's PLENTY of money out there, it's just going into the pockets of a very few who design how the game is played, not the covered people. When people need healthcare services, they need rest to recover, not paperwork = additional worry. Letters like this, complicated rules about whether health insurance companies will or won't pay for certain services is too much to ask of someone who didn't go to medical school, especially when they need care in order to get back to business of everyday life.
The employee who posted here showed an interesting viewpoint--thanks for that insight. However, after having been in healthcare for almost 20 years, as well as experiencing universal healthcare in several other countries, I can assure you, the idea of BLAME rarely comes up in Canada, UK, Czech Republic, Costa Rica, Australia, New Zealand, Belgium, etc. They just treat people and move on. It's more straightforward, and simple = less cost. So I don't buy the statement that HRI "saves" healthcare dollars. It's another shell game that keeps things expensive when taken in context of how US healthcare is overall organized to favor paperwork over actual care.
You can argue how bad universal healthcare is with plenty of examples of people who had bad experiences with it. There are equal stories here in the US. The data show our healthcare is far more expensive ($7000-$8000/year per person VS. $3000-$4000/person in the next most expensive country. You can also argue we have the best healthcare in the world. However, data that measures overall health, at several age points, say the US ranks way down the list on those measurements too. These data come from a variety of places, one of the most compelling from the World Health Organization. (which itself needs to be careful about how much they publicize as they are well funded by the US). The US never even ranks in the top 10. Not childbirth and newborncare, not diabetes, not hip replacements, the list goes on. Also, NO ONE WHO LIVES IN UNIVERSAL HEALTHCARE COMPANIES GOES BROKE BECAUSE THEY GET SICK. People may lose their ability to make a living due to illness (which is tragic to be sure), but hospitals are not among creditors knocking on their door for payment
Ouch Amercia. Embarrassing.

F
F
From Jersey
Brick, US
Sep 15, 2014 3:34 pm EDT

I received 2 letter for separate claims and here's what I did... looked up Trover in BBB listing. They're rated A+ so quite a bit of legitimacy right there .Called the toll-free# > gave the event#'s > when asked for personal info I verified ONLY my name and explained that the claims in question were definitely NOT the result of any accident or injury > the associate totally accepted that without any objections, said she would note it in my file so I wouldn't receive any further correspondence on these claims > DONE!

F
F
FinallyawayfromGS
Louisville, US
Sep 09, 2014 3:25 pm EDT

Gibson & Sharps litigates cases on behalf of your insurance carrier that has a contract in place with Trover. I used to work for Gibson & Sharps. Gibson & Sharps is supposed to be a stand alone law firm with their own HR, Finance, etc. However, they use Trover Solutions HR, Finance, etc. Trover Solutions is a client of Gibson & Sharps yet Danny Gibson is listed on the KY Secretary of State as being a Secretary for Trover. And, Danny Gibson overseas a couple of the departments at Trover. If an hourly employee gets stuck on an emergency and the employee ends up with a little over time they don't pay the employee. Gibson & Sharps allows the HR department at Trover harass and threaten their employees with the loss of the employee's job in front of Trover's Compliance Department and nothing is said or done. I know circumstances where a managing attorney failed to file suit on a case and the statute of limitations ran. So, to get the suit filed the attorney filed in a neighboring jurisdiction so the client a/k/a your insurance carrier wouldn't find out. Gibson & Sharps and Trover are jokes! I think the Louisville Bar Association and the Employee Labor Cabinet needs to be made aware of the shading business practices.

P
P
Philli
Birmingham, US
Sep 03, 2014 11:28 am EDT

Absolutely a scam.

Clearly Trover Solutions has no legal standing to view your complete medical records -- which would include your description of how your injuries occurred. If they did, they would know whether they might be able to sue someone else for your medical costs.

At a minimum they are tricking consumers into thinking they need to comply with their requests for information, which they absolutely do not. I do not work for Trover Solutions, yet they want me to do their investigative work for them, and for free?

My time has value; stealing, it under false pretenses, to enrich their company, is criminal.

R
R
reefsails
Cane Ridge, US
Aug 18, 2014 10:10 am EDT

I got a bad feeling about the letter too. So I called my insurance company directly and they confirmed Trover Solutions is a company they work with. And yes, they want me to call them. It makes sense to me that an insurance company would want to get out of paying if possible. In my case it was a broken ankle. So if it was a car accident then maybe the other driver's insurance company would be responsible for the bill. Or if it was a work related accident then Workers Comp would pay. I'm going to call. NOT A SCAM.

D
D
darebukr
Tuscaloosa, US
Aug 17, 2014 10:28 am EDT

You guys really should get the reports from the insurance companies. While understandable that there may be another party responsible for payment of medical costs. The average person hurt on the job will report it to their immediate supervisor who should in turn fill out an incident report. The injured person will tell the treating facility what happened, where it happened, when, and how it happened. Same thing with other types of accidents. Pains that manifest then intensify over time with no specific notable incident are also related to the provider. In all cases the insurance companies have the medical information and incident reports. While 'most'
(monkey see, monkey do) policies do have in the finer lighter colored allmost invisible print a provision that you will assist them with recovereries if other parties are responsible. This is what they are looking for. Again the insurance carriers should have given Trover/G&S/whoever this information. Without it the letters fall into the realm of fishing expeditions. I for one know the difference between work injuries, injuries sustained in car accidents, bricks falling on my head, being transported to Oz. Amazing how, while chiding the public for honesty. Corporate underhandedness and greed steadily increases.

J
J
jjwinc00
, US
Aug 03, 2014 8:46 am EDT

I received a letter from this place for services my wife received two months ago. The letter states, in part, "according to our records, the services may have been the result of an accident or injury."

Uh, my wife had a laproscopic hysterectomy due to two huge masses on her uterus. It was no accident, unless two aliens invading your body are grounds for appeal. Good job, Trover! Get a dump of all claims processed and send out letters. You might want to consider adding the diagnosis code into your queries.

If my insurance carrier (Highmark) hired these folks, they are wasting their money.

K
K
Kathy911
Victoria, US
Jul 11, 2014 8:41 am EDT

Received inquiry from Trover re medical bill in April. Somewhat irritating when they opened with "this is second attempt", even though it was their first to my knowledge, having received nothing prior to this. The complaint initiated above by Amanda Hopper seems to have validity because it asked for identifying info, which they should already have. My letter asked for nothing but follow up on reason for treatment. I, of course, went to the Trover website to validate their existence and position in the health care industry, as well as the BBB. I now understand that they are an auditing service assisting in ferreting out scams, overcharges, and mis-categorized conditions, not to mention people who doctor hop to secure controlled drugs. The company cannot possibly include all this info in a letter, so it is good that their website explains their purpose. There is nothing wrong with the insurance industry confirming claims, which is not unlike government audits of Medicaid/Medicare providers.

B
B
Bootycrunch
, DE
Jul 05, 2014 10:31 am EDT

As long as Americans support for profit health care, this is what you will get. Companies out to get rich and deny coverage at every chance they get. But Americans had a chance to get Universal health care with Clinton, but you sheeple believed the crap from the AMA and the Phama industry. I had universal care and if you watch Sicko, take it from me thats accurate. But Americans are to greedy and brainwashed to ever let Universal health care start in America. People in debt are afraid to make waves. so keep your profit so called care and work your selfs to death and get minimum wage and 1 or two weeks vacation if your lucky. I prefer my 5 weeks a year and no debt, and have a real doctor not some business man pretending to be a doctor but actually working for the for profit insurance companies.

S
S
Scoottboy
Mount Vernon, US
Jun 24, 2014 10:43 am EDT

I contacted my Health Care Provider before even considering calling Trover Solutions back. They confirmed that they contract with Trover to act as subrogators in the event a third party might be involved in the claim. So, I called Trover, told them is was just a condition that developed, and that was the end of it. No big deal. They had a lot more information on hand than they revealed in the letter, which is good. It shows they are protecting PII.

I
I
It's fraud
fuck, US
Jun 13, 2014 3:53 pm EDT

I called Trevor solutions back today, they sent me the same letter in the mail. There's a bunch of invasive questions about what happened at the doctor, and how you were injured, or if you think your injured. Don't call them back, waited 20 minutes just for them to ask all those invasive questions.

P
P
Poppetabby
Attleboro, US
Apr 15, 2014 3:54 pm EDT

I would like to know "why" is my personal medical information being distributed to Trover Solutions? My injury was in no way the result of an accident or someone else's fault. Where is the confidentiality, and why are they reviewing my medical expenses and claim? How is my information kept private? I have my doubts about answering a letter that is not certified and only has a P.O. Box 37170 on it. All of my information concerning my injury was given at the hospital and signed by me. [Heart attack] I have no idea what Trover Solutions can, or will do with any of my medical history, etc.. BEWARE

C
C
californiainsured
Walnut Creek, US
Apr 15, 2014 4:10 am EDT

The whole arrangement between "Trover" et al and health care providers is sleazy. I received letters similar to the above. In my case I had a very personal post-surgical reaction to a hernia operation and should not have to discuss this with some ### from a law firm I did not hire. I do not trust their claims to "sensitivity" or confidentiality and neither should anyone else. If you were damaged by information provided them recovery would be virtually impossible. That this "business arrangement" is allowed under HIPAA shows how slimy and powerful the insurance lobby is, and how little courts care about consumers. I will gladly confirm to my doctor or any licensed health care provider my insurer (Kaiser-Permanente) that there was no accident or any third party insurance payment made.

I don't believe that anyone has any legal responsibility to respond to this sleazy bottom feeding firm and they should not. If your insurer directly questions with a qualified provider you then you should respond, but not otherwise.

Thanks to Lifelock for providing this board!

T
T
Truth Man
, US
Apr 14, 2014 9:24 am EDT

What Trover Solutions are is a company that tries to find a way to recover money for insurance companies by either getting another insurance company to pay or having the person that was injured reimburse for their treatment. There is millions and millions of dollars at stake for your insurance company and for Trover. They get paid by finding reasons to recover money from you or another insurance company. The key is that they get paid by your insurance company and only when and if they recover money will your insurance company pay them. How fair will they be if their entire business relies on getting "the cash". So for their own sakes they must attempt to recover as much cash as they can. Every person that receives a letter needs to disregard the letter and force the company to bring you to court. If they bring you to court, that's a huge if, you counter sue for harassment and court cost. Only then will this company, who's legal staff is in the same building, will be forced to quit harassing people.

L
L
Lou Lu
Butler Township, US
Mar 04, 2014 2:44 am EST
Verified customer This comment was posted by a verified customer. Learn more

Check this out - I was rear-ended while I was parked, not moving, standing still and these vultures have me paying for this accident., my HMO that I pay $251.00 to each month was paying for this accident also, I was paying a co-pay and now, Bluecross Blueshield wants their money back and filed a Lien against ME for $10, 469.00, not against the Insurance Companies, State Farm Insurance Company and the other drivers Insurance Company - Allstate Insurance Company are their Obligation and Responsibility. Somebody messed up on my case, there was a Gentleman that spent 6 days in the Hospital, had his jaw wired up for 14 weeks, and you guessed it - he lost too, what our Legislators, A/K/A Lawmakers wouldn`t do for a couple pieces of Silver. Do their Children, Grandchildren and Great Grandchildren know that their Parent, Grandparent or Great Grandparent are stealing off of their Classmates, Friends and Parent to enrich themselves, somebody should charge them with violating their Oath of Office and send them - you know where. I can`t get Brand necessary Percocet as it retails for $955.97 for a months supply of 120 tablets. It could possibly be produced for $55.97 and that leaves $900.00 floating around for the Politicians to grab - neat huh ?

D
D
Don't threaten Me
Lexington, US
Feb 28, 2014 10:08 am EST

I received a similar letter and have filed a BBB complaint (with which Trover has no membership by the way) and will be complaining to my insurance provider . Their veiled threats in the mail are nothing more than ambulance chasing by some sleaze ball lowlifes.
They use bush league implied threats in their mail to get you to answer their spam.

Toss the mail in the can, forget Trover. Just a bunch of bottom feeder lawyers.

J
J
Jhunn Traj
, US
Jan 20, 2014 3:28 pm EST

That's the first thing I felt, My HMO has my Information why this 3rd party still wants some more info. from me? Those letters are very stressful because it has Law Office name on their letterhead. I contacted MY Healthcare provider HMO and I was told I have the right to ignore them, if I am not comfortable releasing information. HMO or healthcare providers hires this group to further investigate if there's another party liable that cause you your illness or something, but i think that's funny because they can all obtain that from HMO etc...And then I spoke with Brian or Ryan of Trover Solutions and he patiently explain to me how it works, and he said those are automated generated letters. Any trauma testing or related issues will trigger this letter automated system. He actually didn't ask any questions after he hears from me that, all I have is routine test requested by my doctors. And he Promised that those automated letters will stop. All HMO healthcare providers should stop this non sense please.

C
C
Cathy27
Brooklyn, US
Dec 12, 2013 5:53 am EST

Well good news for New York residents. On November 13, 2013, Gov. Cuomo signed an amendment to the anti-subrogation laws, which now makes it illegal for health insurance companies to get subrogation from the insured for the very event that the insured's policy covers. After all, you pay premiums to pool the risk, when the risk is realized, even at the negligence of a third party, it provides pure profit for the insurance company.

It was - almost - legalized theft! If I sue a third party to reimburse my out of pocket medical expenses, and the insurance company isn't part of the lawsuit, nor are they paying legal fees, then they shouldn't get to stick their hand in my pocket for any settlement! So glad this law passed!

E
E
E22ddie46
North Wildwood, US
Dec 10, 2013 7:18 pm EST

I recently received a letter from them that said I needed to contact them with regards to an injury, and on the letter there was a similar looking symbol to the Blue Cross Shield. However, after contacting them and how much information they wanted (I didn't give any) I became suspicious. Also, they said in the letter they were being outsourced to by Blue Cross but after contacting BCBS they said that they don't know who that company is. It has a lot of the same appearance as an identity theft scam. Be very mindful

I
I
informedperson
, US
Nov 26, 2013 11:31 pm EST

Phelpsovic, it is the health insurance companies who contract trover solutions to do this work for them. There is nothing wrong with it, and is a necessary function of health insurance. And many health insurance providers do a lot of their own subrogation, they just use Trover solutions to get the information they need to handle the subrogation claim and recovery from third party insurers such as auto, work comp etc.

P
P
Phelpsovic
Fairview Township, US
Nov 22, 2013 8:41 pm EST

My wife has had her third letter from Cheri Hall. This is a version of modern day insurance ambulance chasing. If the primary carrier has the information, they should share it. If they don't, they can get it. Her primary carrie never once mentioned Trover or said information would have to be provided. The employer, with whom the carrier has the contract, has never said any information had to be provided to a third party. Cheri and her ilk are low life predators. If the primary carriers need subrogation, they should do it on their own, or advise the contractee to advise the individuals who are covered. But no, it's just a version of "we'll get money for you and take X%." These people are performing legal functions, but that doesn't make them any more than human detritus.

I
I
informedperson
, US
Nov 17, 2013 10:46 pm EST

I used to work for BCBS... yes, HRI aka Trover Solutions is contracted by BCBS to review our medical claims simply to make sure the treatment our members had was not the result of a accident or injury where a third party is responsible. No one like to pay for things they aren't responsible for, including health insurance companies. If you are in a car accident or injured on another property, then that is why people HAVE auto and property insurance... to cover those types of injuries! So yes, HRI saved BCBS MILLIONS of dollars and recouped those funds back to us in effect helping to keep our premiums for our members lower. Just answer the letters people and stop freaking out and thinking you know it all already. Yes, you explain to the doctor and hospital what happened... but most of the time that isn't all the information a health insurance would need to know they aren't responsible for the treatment. Furthermore, the health insurance only receives a medical code and not some kind of written statement detailing the injury or accident you sustained. The code may say "MVA NON COLLISION, " for example, but that doesn't tell us ANYTHING. We have no idea what auto insurance, if any, is at fault... so we pay your medical claim and hope that we can get refunded from Geico or State Farm who should be PAYING FOR A CAR ACCIDENT THIS IS WHY YOU HAVE CAR INSURANCE. HRI does a great service for us... it may not be the most glamorous job, but it is a MUST. Every major health insurance company out there uses a company like this.
PS if you lie to your health insurance about the reason for your treatment if they inquire then that is INSURANCE FRAUD and is illegal.
We would only inquire if the doctor uses a trauma code like the one above, or your treatment was really expensive.

Z
Z
zipadee
Yreka, US
Nov 03, 2013 7:01 pm EST

I will not be calling them. If this company has been hired by my insurance company, the insurance company has all the information they need in regards to what happened to me and if it was or wasn't work related. I am not providing any information to a third party. Should my insurance company call me and inquire, I will ask why they did not ask for this information in the beginning. As, my reason for visiting the ER was not accident related, nor did I have an injury. If my insurance company cannot relay that to their third party subrogators, it's not my job to.

P
P
Personcap
, US
Oct 10, 2013 12:56 pm EDT

Called them and all they wanted to know is if the injury was work related. It looks like they are fishing for an additional business avenue for additional compensation. It is possible that it is legally legit, but still corrupt. I would just say it was a personal injury, if anything at all, and give absolutely no other information.

M
M
Mr. CommonSense
Pittsburgh, US
Jun 10, 2013 11:14 am EDT

HRI is a legit company performing a legit function. Insurance companies are legally obligated to take a "pay and pursue" methodology when an individual is injured in an accident. Imagine if your insurer refused to pay for something until you proved it was their responsibility.

Lets say you get hit by a drunk driver. Your insurance company pays for you to get treatment. No questions asked. You insurance company is then forced to either eat that cost, or pursue the true responsible party themselves. The doctors don't care because they've been paid. You don't care cause you're not getting billed. Your insurer just shelled out $50, 000 for your medical bills, it is their right to try and recover that. HRI does the leg work of collecting from the responsible parties.

The only people who should be put off by this are people trying to hide something. If you fell down your neighbor's steps cause they are broken and dangerous, but you don't want your neighbor to be responsible cause you like him. Or you don't want to tell them it was an auto accident cause you think your auto premiums will go up...that is insurance fraud. If you don't have anything to hide, you don't have anything to worry about.

Also keep in mind that "finding" these things is very much like finding needles in a haystack. HRI basically combs through diagnosis codes to find things that could have been the result of an accident. That is why chiropractic and physical therapy tend to be false positives. It's all part of the process. If there is no accident, just tell them that, and I promise you they will go away. They only make money when they are making recoveries, so if they figure out there is no opportunity to recover, they move on to the next one.

I've been in the healthcare insurance industry for 15 years. I've never worked for HRI or a competitor, but I can assure you that nothing illegal or immoral is going on.

Learn how the rating is calculated

Write a review File a complaint

Trover Solutions, Inc. contacts

Phone number
Website
Category