 TITLE: Can Medical Bills Hurt Your Credit? CONTENT: How to Keep Medical Bills off Your Credit Report\n------------------------------------------------\nThe good news is that in most situations, a little vigilance, knowledge and organization are all it takes to keep your medical bills from going to collections. Take these steps when you're planning any doctor visit or medical procedure:\n1.  **Know what to expect.** Get familiar with your health insurance plan so you know exactly what it covers, what it doesn't and what your copay will be for a visit or procedure. Armed with this information, you're less likely to make costly mistakes such as visiting an out-of-network doctor or not asking for a generic version of a prescription drug.\nIf you don't have health insurance or your insurance doesn't cover the visit or procedure, find out ahead of time how much you can expect to be charged. (You probably won't get an exact figure, but you can get a range or estimate.) This is also a good time to find out if the health care provider offers any payment plans or accepts medical credit cards, such as CareCredit.\n3.  **Keep track of your medical bills.** Make it a habit to read any letters, emails or other communications from your health care provider as soon as you receive them. That way, you'll catch mistakes quickly and can contact the provider to iron out any problems right away.\nIf you recently had a procedure or visited a doctor and haven't received a bill, contact the health care provider to make sure they have your correct address and that you didn't miss a bill. Do you receive bills by email? Make sure to add your providers to your email address book so their messages don't get lost in your junk or spam folders.\n5.  **Make sure the charges are accurate.** Medical offices and insurers make mistakes. Simple human errors such as miscoding a medical procedure can result in incorrect charges. Review each medical bill carefully and compare it against your insurance company's benefits to see if you're being charged the correct amount. If not, contact the health care provider's billing office, your health insurance company or both to let them know. After a hospital stay or complex procedure, ask for an itemized bill so you can check specific charges for accuracy.\nWhat if you've done all of the above and still end up with a medical bill you can't pay? Don't panic: There are a few options that can help you keep the bill from going to collections.\n*   **Try to negotiate your medical bills.** The best time to negotiate medical costs is before your treatment or procedure, but you can also try to do so afterwards. Some health care providers charge lower rates for patients who don't have health insurance and are paying out of pocket (known as \"private pay\"). Websites such as Healthcare Bluebook and FairHealth let you research the average cost of specific procedures in your area. You can use the information to choose care providers and as leverage to negotiate lower prices.\n*   **Work out a repayment plan.** What if your health care bill is as low as it's going to get, but it's still more than you can pay? See if you can set up a monthly payment plan with the provider. Many providers would rather work with you than send the bill to collections. Contacting your health care provider's billing office immediately to discuss repayment will show you're acting in good faith (and will give you more time to pay the bill).\n*   **Keep an eye on your credit report.** Are collection agencies calling about a medical debt you've never heard of before? Legitimate medical debts sometimes go to collections without you ever receiving a bill. This might happen if your provider has an incorrect address for you or if your mail is misdelivered. If you have a common name, it's possible you're being charged with someone else's bill. Finally, some collection calls regarding medical debt are scams. Before you panic (or pay anything), ask the collection agency to provide proof of the debt in writing. Under the Fair Debt Collection Practices Act, they must give you this information within five days.\nThe best way to avoid getting blindsided by a collection agency? Get a free credit report on a regular basis and review it carefully. If you find errors or any suspicious activity in your credit history, contact the credit reporting agency right away to set the record straight. END