If you’ve recently seen a line item on your bank statement or received a notice in the mail from m&d capital premier billing, you’re probably feeling a mix of confusion and annoyance. Honestly, most people first encounter this name when they’re trying to figure out why a medical charge doesn't match the name of the doctor they actually visited. It’s a common headache in the Byzantine world of American healthcare finance.
Basically, M&D Capital Premier Billing LLC isn't your doctor’s office. They are the "middleman" that handles the paperwork, the coding, and the collection of money for healthcare providers. Based out of Richmond Hill, New York, they specialize in revenue cycle management, particularly for complex things like out-of-network surgical claims and workers' comp.
But lately, the conversation around this company has shifted from "who are they?" to "is my data safe?"
The $1 Million Settlement: What Really Happened
Let's get straight to the big news because it’s why most people are searching for them right now. If you were one of the nearly 285,000 people who got a letter saying your data was compromised, you aren't imagining things. There was a major security incident discovered back in July 2023.
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The breach wasn't just a quick "peek" into the system. An unauthorized party had access to their network for nearly three weeks—from June 20 to July 8, 2023. Because M&D Capital Premier Billing handles the "guts" of medical records to get paid, the hackers potentially walked away with:
- Social Security numbers (the big one)
- Names and home addresses
- Financial account info
- Specific medical diagnoses and treatment details
- Insurance information
A class-action lawsuit followed (the lead case being Skolnick v. M&D Capital Premier Billing LLC), and as of late 2025, they’ve agreed to a $1 million settlement. It’s important to realize that the company denies they did anything legally "wrong," but they’re paying up to avoid more years of court battles.
Can You Still Get Paid?
If you're reading this in mid-January 2026, you're right at the wire. The deadline to file a claim is January 27, 2026.
The settlement offers two paths. You can go for "Cash Payment A," which covers up to $5,000 if you can prove the breach actually cost you money (like identity theft expenses or lost time). Or, you can take "Cash Payment B," which is a flat fee, usually estimated around $75 depending on how many people sign up.
You also get two years of "CyEx" medical monitoring. Honestly, given the sensitivity of medical data, the monitoring might be more valuable than a $75 check.
Why M&D Capital Premier Billing is on Your Statement
If you aren't part of the data breach but just see their name on a bill, don't panic. You probably didn't get scammed.
They work heavily with entities like the Island Ambulatory Surgery Center. If you had a procedure done at a surgical center or a private clinic in the New York area, the doctor might be "Dr. Smith," but the entity that actually sends the bill to your insurance and chases the payment is M&D Capital.
They are known for "Revenue Cycle Management." In plain English, that means they make sure the doctor gets paid by the insurance company. They handle:
- Professional Coding: Turning your surgery into a series of five-digit codes.
- Claims Recovery: Fighting with Cigna or Aetna when they refuse to pay.
- Credentialing: Making sure the doctors are officially "allowed" to bill your insurance.
It's a high-stakes game. Insurance companies hate paying, and providers hate waiting. M&D Capital sits in the middle, often using an "aggressive" approach to maximize reimbursements.
Common Misconceptions About the Company
There is a lot of bad info floating around on Reddit and various consumer forums. Let's clear some of it up.
"They are a debt collector."
Sorta, but not exactly. While they do collect money, they aren't a traditional "junk debt buyer" that buys old credit card debt for pennies. They are a first-party or third-party billing service. If they’re calling you, it’s usually about an active medical claim.
"The bill is a scam because I never went to Richmond Hill."
M&D Capital is headquartered at 115-06 Myrtle Avenue, Richmond Hill, NY. Just because the bill comes from there doesn't mean you were treated there. They represent doctors all over.
"My insurance says they’re out-of-network."
This is where it gets tricky. M&D Capital specializes in out-of-network claims. This means they often bill for procedures where the doctor doesn't have a pre-set contract with your insurance. This can lead to "surprise bills," though laws like the No Surprises Act have started to curb the worst of this.
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How to Handle a Dispute with Them
If you think a bill from M&D Capital is wrong, just ignoring it is a bad move. Because they handle workers' comp and no-fault insurance cases, these things can get messy and end up hitting your credit report if left to rot.
First, ask for a "Superbill" or an itemized statement. This should show the CPT codes used. Sometimes, a billing company might "upcode"—which is basically billing for a more expensive version of the service you actually got.
Second, check your Explanation of Benefits (EOB) from your insurance company. If the EOB says you owe $0 but M&D Capital says you owe $500, the EOB wins. Call your insurance and have them do a three-way call with the billing office. It’s a pain, but it usually stops the collection calls.
Actionable Steps for Affected Patients
If you've been dealing with M&D Capital Premier Billing, here is your immediate checklist:
- Check the Settlement Status: If you received a breach notice, visit the official settlement website (MDDataSettlement.com) before the January 27, 2026 deadline.
- Freeze Your Credit: Since Social Security numbers were involved in the 2023 breach, a credit freeze at Experian, Equifax, and TransUnion is the only way to be 100% sure someone doesn't open a car loan in your name.
- Verify the Provider: If you see a charge, call the billing number (usually 718-705-7917) and ask: "Which medical facility is this charge actually for?" Once you have the name of the clinic, verify you actually went there.
- Audit the "Amount Owed": Never pay a medical bill from a third-party aggregator until you have cross-referenced it with your insurance portal's "Patient Responsibility" section.
The reality of medical billing in 2026 is that companies like M&D Capital are going to become more common, not less. They have the specialized staff to fight insurance companies that use AI to auto-deny claims. Just make sure that in the crossfire between your doctor and your insurer, you aren't the one paying for a mistake.