Many patients who have taken medical facilities treatment due to some chronic or serious illnesses experience negative credit reports. People often wonder if the medical bills are to be blamed for dropping down the credit score of a person who has been diligently paying all the bills. If you cannot pay your medical bills for more than 180 days, it will appear on your credit score, and unfortunately, even after paying off the medical bill credit score remains the same as it stays there for up to 7 years.
Now, suppose you are in a situation where you had to go through intensive care, and now you are handed down with a medical bill that has a number beyond your expectation. You cannot pay for it, and you are not receiving any help from your insurance company or the hospital. So when the medical bills appear on your credit report, how can you eliminate the negative marking? Here are two possible solutions that might work for you:
1. Reclaim Your Medical Insurance
One of the effective ways of getting rid of the credit report created by your unpaid medical bills is to ask the insurance company to reconsider your claim to the insurance. At times, the insurance company could not follow the procedure, and the insurance claims get rejected. However, you can ask them to reconsider your claim and pay for your medical bill because even if you pay your medical bill, the report will not get erased. But when the insurance company pays for the medical bill, the credit bureaus remove the credit report immediately.
2. Resolve a Dispute for the Medical Bill
If you have been handed down with an unreasonable medical bill that you have not been able to pay and affect your credit score, it is better to seek external help. You can get in touch with companies specializing in dealing with medical bill credit scores, and they can help you resolve the dispute for the medical bill with your medical care providers. If the medical bill is at fault, the credit bureau will be notified about this fault, and they will remove your credit report.
There are situations where you can always avoid getting your credit score affected by medical bills. So what can you do to prevent your medical collections from appearing on your credit score? Here are some possible solutions:
3. Negotiate Your Medical Bill
When you are handed down with an unreasonable amount mentioned in the medical bill, you can negotiate tactics with the medical care providers. Even before you go through the treatment, you can ask the medical billing staff to tell you about the various ways to reduce your medical bills. Furthermore, you may also get to know about schemes and special plans for people who cannot pay their treatment costs. So even before appearing for any such treatment, you can make sure that you can pay your medical bills.
4. Look for Different Payment Options
When you are thinking about availing of some of the treatments, you must check the treatment cost. Usually, such information is provided by the hospitals before the treatment, and you can also view them on the websites. That will give you a basic idea about the amount that you have to spend for your treatment. So before getting the treatment, you can also avail some other payment options to pay monthly, quarterly, and even annually. In these options, you can also choose the amount you want to pay in a typical payment period and how long you want to pay for the treatment.
5. Get Help to Check Your Health Insurance Plans
You need to check your health insurance plans before you are availing them. Get recommendations from a doctor about the kinds of treatment and expenditure of those treatments that you might need in the future or present. If a particular health insurance plan covers those treatments, you can go forward with it. You should also check the service providers’ and caregivers’ coverage because you will be receiving a huge medical bill if you are forced to avail of out-of-network providers. Also, this medical bill containing out-of-network providers will not be paid by the insurance company.
Your credit report is sometimes suspicious because sometimes reports also mention caregivers and treatments that have never provided you treatment. In this situation, you can always dispute these charges with the help of ClaimMedic. This medical billing company can help you in relieving your burden of paying overwhelming medical bills. So contact them today!
Punit 
Krishan Jangir