Saturday, October 31, 2009

Medical bill and credit report?

My medical bill for appendix surgery was about $44,000. will it effect my credit reprot if I dont pay it?? I have no insurance, no madical..also, is there a way to pay monthly or I have to pay $44,000 at once?


Medical bill and credit report?

All these other guys seemed to say what I was gonna say. I%26#039;m gonna make this short. I%26#039;ve worked in a real estate company and we did credit checks for lease houses, and there was %26quot;unpaid medical%26quot; often on these reports.

Now, I%26#039;ve also worked in the medical field since I was a teenager. (Volunteering) And now as an adult (22...woo hoo), I can get paid for the work I do. In fact, I worked in the billing department for a while. If you call up to the hospital and speak with someone in the billing department about your financial situation, you can work something out... even if it%26#039;s $20 a month or $100 quarterly or $3 weekly. And you won%26#039;t get turned over to collections and it won%26#039;t go on your credit report.

If you are paying on an impossible amount, like you are, eventually the hospital will probably turn this bill over, and let you slide without paying your full impossible amount.

Medical bill and credit report?

Contact the hospital and ask them about assistance programs you can sign up for. You may be able to get some help paying for the bill. And yes, hospitals will set you up on payment plans, you just need to call them to work it out. Every business that you own money too has to go through a process before they can report you to a credit monitoring agency. They will send you many notices before threatening to do so. You will know when it%26#039;s going to happen. Just call the hospital and tell them you need to talk to someone about getting help with the bill.

Medical bill and credit report?

Yes, it will show up on your credit report if you do not pay it. The best thing to do is to cal the hospital and talk to the billing department to see if you can make a payment arrangement or have some type of program that can assist you in paying the bill or lowering it since you do not have any insurance. They usually agree to a set monthly payment and if they don%26#039;t what you can do is let it go to collections and then make arrangements with the collection agency to pay it off monthly.

This will still have a negative impact on your credit but it will show that you are paying and once it is paid it will disappear from your credit report after 7years.

Having a collection for a medical bill vs. a credit card or loan is not as damaging to your credit report. Most companies understand that medical expenses occur and most people do not have insurance and or the means to pay. It%26#039;s not like racking up a bill with your credit card and just not paying it this is different and while it looks bad like I said it is better than another type of debt.

Also, make sure you can check to see that if you do not pay it what will happen. In some states the hospitals will garnish your wages and in other cases if it is left unpaid it will fall off your credit report in ten years. But I should point out most hospitals are quick to send you to collections and to garnish your wages. Good Luck!

Medical bill and credit report?

When you don閳ユ獩 have money to get the care you need:

Free and low cost prescription medication:

This is about FREE hospitalization, if you need it and they WILL help you!

Hill Burton Hotline


(1-800-492-0359 in Maryland)

In 1946, Congress passed a law that gave hospitals, nursing homes and other health facilities grants and loans for construction and modernization. In return, they agreed to provide a reasonable volume of services to persons unable to pay and to make their services available to all persons residing in the facility閳ユ獨 area. The program stopped providing funds in 1997, but about 300 health care facilities nationwide are still obligated to provide free or reduced-cost care.

How to apply for Medicaid or medicare

For information about Social Security, Medicare, and disability benefits, call the Social Security Administration at 800-772-1213.

For information about Medicaid, contact your local social service or welfare office. You can also find information about Medicare and Medicaid at

How To Pay for Mental Health Services

Additional Public Benefits for Families Raising Children:


Free or low cost dental care United States


Need eyeglasses or eye care?

How to Get a Free or Low Cost Pap Smear, The National Breast and Cervical Cancer Early Detection Program provides free or low cost Pap smears to eligible women across the country. Through this program, uninsured and impoverished women can receive Pap smears at local clinics and doctor%26#039;s offices.

Here閳ユ獨 a list for every state:

Where can I go to get free or reduced-cost prenatal care?

You can call this number if you need free birth control help, too!

Women in every state can get help to pay for medical care during their pregnancies. This prenatal care can help you have a healthy baby. Every state in the United States has a program to help. Programs give medical care, information, advice and other services important for a healthy pregnancy.

To find out about the program in your state:

璺疌all 1-800-311-BABY (1-800-311-2229) This toll-free telephone number will connect you to the Health Department in your area code

璺疐or information in Spanish, call 1-800-504-7081

璺疌all or contact your local Health Department.

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