 TITLE: How to Dispute Inaccurate Medical Collections on Your Credit Report CONTENT: How to Prevent Medical Collections on Your Credit Report\n--------------------------------------------------------\nIt may be easier to prevent medical bills from going to collections and hurting your credit scores than dealing with them when they're already there. Here are some tips to help you do that.\n*   **Understand your health insurance plan.** Take the time to learn the ins and outs of your health insurance plan. By understanding exactly what it does and does not cover as well as what copays you may owe, you'll be less likely to make costly mistakes that lead to medical collections.\n*   **Set up a payment plan.** If you don't have the cash to pay for a medical bill upfront, work with your medical provider to design a payment plan that aligns well with your budget. This way you can pay it off through fixed monthly payments instead of one lump sum. If you go this route, find out if you'll have to pay any interest or additional fees so that you don't face any unwanted financial surprises.\n*   **Consider getting a medical credit card.** Medical providers that don't accept payment plans may be open to medical credit cards. Since these cards usually come with a six- to 12-month interest-free period, it may be a good option if you feel confident that you can pay off your medical bill in that time period.\n*   **Find out if you qualify for an income-driven hardship plan.** If you're on Medicaid, you may be eligible for an income-driven hardship plan. With this plan, you can reduce the amount you owe and qualify for a payment plan with smaller monthly payments than those of a traditional payment plan.\n*   **Pay attention to your credit report**: Get into the habit of checking your credit report on a regular basis.\nWhile medical treatment is essential, it can have a negative effect on your credit scores if you're left with a bill you can't pay. The good news is that there are steps you can take to ensure the medical care you receive doesn't ding your credit scores and hinder your finances. END