Late medical bill questions.

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paparoach429
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Late medical bill questions.

Postby paparoach429 » Sun May 11, 2014 1:51 am

Back in January I needed stitches and just barely received a bill. The bill is showing 60-90 days past due and literally says "Your bill is seriously overdue". My question is how does this effect my credit score? I heard that medical bills only affect your credit score when they are sent to collections. Is this true? Also being that this was the first bill I received and I plan on paying it in full Monday are there any negative effects for me?


MemberSince99
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Postby MemberSince99 » Sun May 11, 2014 5:50 am

Only if it hits your credit report.


These medical "professionals" (as in professional thieves) are something else in the US. The last time I had anything to do with this system (which I despise almost as much as our vile government) my insurance paid the bulk of it, leaving me with 300 some odd dollars. They sent me one bill out right away, and within 6 weeks I paid it in full. Shortly after I paid I was contacted by some vulture collection agency - they had already turned it over to collections! I mean they can't even give you 6 weeks to pay them off of what the insurance doesn't cover before they do that? I thought that was nuts. They had obviously turned it over to collections within a month of sending a bill.


I realized this system only cares about money when I was in the ER with glass in my skull from being slammed into by a pickup going through a red light, and all they were worried about was having me sign form after form swearing to do whatever it took to pay them back for treating me.


I just avoid them I'd rather deal with any 3rd world system other than some countries in Africa than the US system.


Dentists in the US are just as bad - every time you go in oh you need new x-rays. I just had them. Doesn't matter, you need them or your teeth will fall out, throw us more money chump the dentists country club fees went up and he just got a new Benz.

thom02099
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Postby thom02099 » Sun May 11, 2014 10:37 am

paparoach429 wrote:Back in January I needed stitches and just barely received a bill. The bill is showing 60-90 days past due and literally says "Your bill is seriously overdue". My question is how does this effect my credit score? I heard that medical bills only affect your credit score when they are sent to collections. Is this true? Also being that this was the first bill I received and I plan on paying it in full Monday are there any negative effects for me?


It would depend on whether the medical bill is serviced internally, ie, via the medical practice itself, or if they use a 3rd party biller. Either way, an overdue bill can be reported before it goes to collections. Check your credit report to see if it's posted anything negative. Then call the number on the bill since the bill received was the first you've received, and inquire as to how it can be so seriously overdue when you've not received a prior bill.

Another factor is whether insurance was involved. They may have billed your insurance and the insurance company may be delayed in paying it or they may have denied the claim and you've not been notified about it. IF your insurance was involved, call them! Make sure that, if a claim was submitted, it's been/being paid. Of course, if insurance is not involved, this is moot.
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paparoach429
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Postby paparoach429 » Sun May 11, 2014 4:54 pm

Yes, insurance was used.I got 8 Stitches and the bill was over 3 thousand dollars. Leaving me with a $650 bill. I'll pull a credit report tomorrow and see what's on there. As of now creditkarma isn't showing anything. Anybody else have any input on how late the bill has to be before it's reported as late and then to collections.

MemberSince99
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Postby MemberSince99 » Sun May 11, 2014 5:56 pm

I'm not sure there is a standard for medical bills it's whatever the place wants to do. As I mentioned they put mine into collections a month after they sent the bill. Granted they are exceptionally greedy and well known for this sort of thing, but still I think if they want to they can put it into collections immediately, based on what I saw. (And I've seen at least one that does that....)

OldMan
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Postby OldMan » Mon May 12, 2014 6:02 am

I think this depends on your State Laws governing them. My experience has been that if you set up payments with the Medical provider it will not be turned over for collections. I knew one person that set up $20 a month payment with a provider and that was enough to keep it out of collections. Here in Ks, most providers will turn it over to a law firm and seek a judgement almost immediately. Setting up a small payment agreement seems to limit what they can do in court. I'm not a lawyer, and it would really depend on your state, but the person I knew was taken to court and basically went in and showed their income/bills, showed that they had been making the payment of $20 a month on time, and the Judge basically told the Plaintiff that they were doing everything possible and dismissed the case.
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