Scam?

We requested our 2008 statement from our clinic a few weeks ago for taxes. It was THE MOST CONFUSING document I have EVER seen! Now, I think they do that on purpose. It was not in any type of order...you know, by date, service, payments vs. charges, etc.....notta, nothing.

So, as we tried to figure out how our payments were credited (loan $ vs. OOP $ vs. insurance $ for lap surgery) VS. clinic charges - we used the totals at the bottom - that are divided by responsible party charges, credits, balance. I figured we could handle that, wrong! DH insisted we meet with them in person to understand the bill because from what we could tell, we were overcharged about $900.

Well, that meeting was this morning. And guess what? According to their records, they did not overcharge us. HOWEVER, they did give our lender for the loan (Capi.tal O.ne Heal.thcare) a 5% kickback for "paying so quickly" - and (wait, it gets better!) guess who paid the 5% kickback??? We did!!!!!!!!!! WTF????????

C One basically took 5% of the total loan amount right off the top - and then sent the balance to our clinic. So, not only are we paying them interest (a significant amount I might add), they got an additional 5% of the total loan for "paying so quickly". DH and I are pissed!

We did not discuss it until we got to the parking lot because I don't think it really "sunk in" what she said.....but the more we talked, the more it made sense.

Has anyone heard of such a thing? Has anyone used C One?

The only thing we can think of is that the clinic might offer a 5% cash discount - however, IMO, they should be giving that to us as the customer, not the lender. It is our credit, our money, etc.