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I just received a letter from Gibson & Sharpe about a past bill on my son which has been paid in full. If u think about it your Insurance provider should or would already have your personal information on u once you applied for insurance with there company. If u try to call that number on that letter they are trying to sell you something. I truley believe this is a scam.

In general, this company works for many insurance companies, attempting to find additional information, i.e. secondary or even primary carriers to pay for medical services those hiring companies must pay. I have BCBS Texas and every claim is challenged. Yes, it's in your health insurance contract to give requested information to make sure the appropriate company pays for your care. I know it's irritating, but you contracted to allow this when you signed for the insurance. I did have a provider bill my BCBS when the claim was Work Comp. By complying, you help keep your premium costs down. But then, my health care premiums last year were 14 grand.

Trover Solutions (and other names) subrogation specialists investigate health insurance claims to see if their client has to pay your claim or find out if any other insurance can be held responsible so they don't have to pay. They look for things like did it happen at work, do you have any other insurance, etc. Yes, you need to answer questions as the contract you signed to obtain the health insurance has the clause in it where you will provide info when requested. It really irritates me the way they work, but it's supposed to help keep my premiums down. Last years insurance premiums 14K does not include life ins.

They do have direct access to your medical information because your healthplan or your employer plan (Insured or Self funded ) contracted with this company to handle their subrogation of claims. They will get an electronic feed from your health plan of certain trauma related codes that could be the direct cause of an accident. That starts the investigation process by this company. If it isn't work or accident related, tell them and they will close their file. But it is illegal in most states for your health insurance to pay accident related claims in which there is other primary insurance such as auto and/or workers compensation that should be billed first.

My mother (who is deceased) received both mail and phone calls and I didn't answer either one -- just got another letter today. The insurance co knows that Mom is deceased -- they stopped sending monthly premium bills. So, if these people are working for the insurance co, why don't they know she's gone???

I received 2 letters 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!

Actually, they are not BBB accredited and have many complaints against them.

I received a letter from them and I think its an absolute scam. I think the way it works is Trover's solutions is an outsourcing consultant firm that handles any intervention covered by BCBS whereby that intervention may be covered by another insurance company or a different company. Its a way for BCBS to attempt to trim their fat and not cover things that might be accident or work related to decrease spending and increase their revenue. Gibson and Sharps are partners with Trovers to try and strong arm people into submitting information that makes any traumatic event seem like it was attributable to something else. Please note the manner in which the questions are posed and framed on their website, also note their unavailability at certain times of the day to try and reach them by phone and pigeonhole the person entering information into their website. Thanks for everyone that posted it was extremely helpful for putting the pieces together.

Actually, the person you're responding to didn't claim that they were BBB accredited in the first place, but that they had an A+ rating with them.Which is something I doubted so I just looked it up...sure enough they have an A+. and 21 complaints, all 'closed' . Personally I don't know how that gets them an A+. Any place associated with lawyers should probably top out at a C- so I'm suspicious myself. Here's what I'm doing tomorrow during business hours: ...calling my insurance company instead of Trover, to see if they are authorized (can't find any info on my insurer's website on Trover one way or the other). Then I'll ask for some sort of documentation that this is the case (something in writing other than a customer service person telling me it's fine). If I can't get that, Trover won't hear back from me.

You, ma'm, are an idiot.