Credit Score: Medical Bill Dispute

Question:
有个医院账单，保险没付对。我给医院打过电话，他们说会去dispute。我也问过我的保险经纪，他也说保险做错了，帮我去dispute。两边都没给我回话，我就忘了这件事。昨天又收到医院账单，说我晚60天没付账。如果不付等结果，这对信用有影响吗？

Answer:
In most cases, you should get no negative impact on your credit score.

1. Hospitals don't make report to credit bureau. In some cases, even if you are 90 or even 120 days later for your medical bill, as long as they do not send it to collection, you are fine.

2. As I mentioned early, medical billing is a mess. There is always delays in insurance payment and they can go back and forth for several months. So when dealing with insurance companies, even if it is a few months late, hospitals usually think it is kind of normal.

3. Even if this bill finally end up in your credit report, usually medical collections that are less than $200 will be ignore in credit score model.

Usually, it is a headache in dealing with medical bills. If you concern about your potential credit score impact, you can call the hospital to make sure they won't send it to collection and let them know that your insurance company is handling this payment. As long as the bill is still at hospital (and still as "account receivable", not "bad debt"), you are fine.