Family Health Legal Library

Credit and Debt Problems with Medical Issues

Medical Billing Problems Affecting Your Credit

Many questions arise with respect to the handling of medical problems. One large area of consumer confusion and anxiety is the medical billing and collection process. Medical expenses, non-payments and insurance liability may result in problems to your credit which come from not understanding how to protect your rights in this area.


If you have ever had to suffer a medical emergency or even minor surgery in a hospital facility, you are well aware of one of the most frustrating problems in the medical field - medical bills. It may be an understatement to say that medical bills may be among the most perplexing and disjointed bills or debts one can incur. Both major surgery and minor surgery will almost certainly generate bills for hospital stays, radiology bills, therapy bills, physician bills and an assortment of other diagnostic testing bills, prescription bills and others.

Understanding when you are liable for these bills is critical to making sure that your credit is not affected by an outstanding, or unpaid medical bill. Because of insurance, we are almost always uncertain what bills we must pay and when these must be paid.

When you receive a medical bill, treat it seriously. If you are interested in protecting your credit history report, do not simply assume that it will be paid by your insurance company. Keep on top of the insurance company by sending them a copy of the bill and a quick written note identifying the bill in your note and asking the insurance company whether you should pay it or not. While this will not hurry the insurance company in its decision-process, it will be a record [if you keep a copy of your correspondence] for the future, in the event that the insurance company fails to pay this bill and either a non-payment or a late-payment derogatory remark was placed on your credit. You will at least be able to demonstrate to any person looking at your credit report that you were "on top of this bill" and that you were concerned enough to take the time to document your concern.

Credit and Debt Problems with Medical Issues
1  2  3  4  5  6  
Sections Available in Family Health Legal Library
How to Use the Family Health Legal Library
Healthcare Directives: Preventing Serious Legal Proceedings
Durable Power of Attorney For Healthcare
Durable Power of Attorney
Considering a Life Care Plan
Protecting Your Estate
Revocable and Irrevocable Living Trusts
Medicare: Do You Know All You Should?
Medicaid - What If This System Is Necessary
Credit and Debt Problems with Medical Issues
Medical Surgeries, Diagnosis and Related Issues
Children at College Issues
Marital Issues When Medical Problems Arise
Introduction to Contract Issues
Specific Types of Contracts and Contract Issues
More Examples of Special Contracts
Real Estate Issues
Typical Consumer Problems

The Law
  in Your Life
Elder Care
Family Health
  Legal Library
Access Financial
Credit, Debt and Budgeting
Small Claims &
  Consumer Help
Domestic Violence
Anatomy of a Case
Legal Document
  Child Support