 TITLE: How Do Medical Bill Payment Plans Work? CONTENT: Avoid Letting Your Medical Bills Go Unpaid\n------------------------------------------\nEven if you don't think you can pay your medical bills, try not to stop making payments altogether. If you leave your bill unpaid for too long, it could impact your credit.\nMost health care providers work with what they call bad debt agencies if your bills go unpaid for a while, say 90 days, Baltzer says. So at that point, you may start getting calls from another company looking to collect the amount that you owe.\nAt some point, though—Baltzer says after about 180 days of non-payment—providers may choose to report your bill to the credit bureaus. \"That's not universal,\" he adds. But if your bill does get reported as unpaid, it could damage your credit score significantly. So the sooner you reach out to your health care provider, the better. END