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what happens if you don't pay medical bills

What Happens If You Don’t Pay Medical Bills?

Medical billing systems are complicated and unpaid bills can become incredibly challenging.  Before you pay your medical bills, make sure that the calculations are correct and you are paying exactly the amount due on you. You might also be eligible to seek financial help, as well as safeguards under federal and state law. If you are interested to know, what happens if you don’t pay medical bills? and  Do medical bills affect your credit? This article is for you.

Medical bills are an unavoidable expense that need to be paid on time. More than 80% of medical bills are thought to contain mistakes. In addition, health insurers reject claims because of various reasons. This makes it more difficult to understand your medical bills, your EOBs, and how much you should pay to your healthcare provider.

You should know what happens if you don’t pay medical bills. We will go through the details of medical bills and how you can avoid complications in the future.

Medical Bills: Issues and Solutions

According to reports, unpaid medical bills are a problem for over 40 million Americans! Even though unpaid medical bills affect many people, you must be careful with your medical expenses. While leaving your medical debt unpaid has some extremely serious consequences, there are solutions you can consider if you’re having trouble paying your medical bills.


You may face several issues with your unpaid medical bills. Here’s what happens if you don’t pay medical bills. If you wait to make your payment, you run the danger of paying extra late fees or interest.

Credit score damage

Not paying your medical bills will have an immediate negative impact on your credit score. You will face legal action a healthcare provider may file a lawsuit against you

What can you anticipate if your healthcare provider sues you for unpaid medical bills? You could be obliged to settle your medical debt nontraditionally if the case involving your unpaid medical bills gets to court. For instance, a percentage of your income may be deducted to pay off debt.

Negative effects of overdue medical bills

You may receive calls, text messages, emails, or letters from debt collectors. The size of your debt payment may also be subject to negotiation.


First, confirm that you owe the bill. You might have already paid for it. It’s also possible that the service provider or debt collector mistook you for someone else with the same name.

Second, verify the charges once more. If something doesn’t seem right, ask for an itemized list of the fees. Think about the following inquiries: Are the fees accurate?

· Do they accurately reflect the services you received?

· Do your bills reflect insurance payments if you have insurance?

· Medical debt affects many people, whether or not they have health insurance.

If you’re having trouble paying your medical bills, you can go with the following solutions:

Start negotiating the cost of your medical care

You should consider negotiating your bill if you’re worried about how you will pay your medical bills. Tell your doctor everything about your present health state. Your healthcare practitioner will likely be willing to provide you with solutions to reduce the cost of your bill.

You don’t have to face medical debt alone, even if it sometimes seems overwhelming. There are services available to assist you in finding clarity in your situation. If you need help negotiating a medical bill, consider hiring an expert. It’s a tiny thing to pay, considering how much your medical bill might go less by using their negotiation skills!

Verify the accuracy of your medical bill

Mistakes do happen that lead to extra bills and expenses. Request copies of all the documents and invoices associated with the medical care you’ve got from your doctor. Make sure you carefully examine these bills so you can understand the fee. In this manner, you can confirm that you get all of the services for which you pay bills. If there are inconsistencies, you can think about having the charges dropped.

Pay attention to billing mistakes, such as getting charged twice for the same service or treatment. Consult your provider’s accounting or billing department if you have any questions. The billing sheet will include their phone number and other contact details. It would help if you acted soon to fix any issues and prevent late fees and interest.

Take the statement from your insurance company that details what has and hasn’t been covered as an extra precaution to ensure that the total amount of medical debt you still owe is accurate.

Confirm that your medical bill is accurate and that debt collectors are not violating your rights or attempting to collect on false medical bills if they contact you; there are a few things you may do.

  • Review your medical bills thoroughly to be sure everything is correct and that you received all of the recommended treatments.
  • Confirm that your name, insurance information, and billing address are all accurate and that the medical bill is yours.
  • Ask your doctor for a plain English explanation of any items on your medical bill if they are unclear to you.
  • Ask debt collectors for confirmation of the debt and details about the debtor and the medical bill being collected.

Create a payment plan

You might also consider setting up a payment plan with the billing department if you cannot pay your medical bill immediately. However, depending on your medical provider’s policies and your state’s regulations, you will pay interest while using a payment plan.

Declare bankruptcy to pay for medical bills

Sometimes, filing for bankruptcy to eliminate medical debt can be your best choice. Give all of your options careful thought before making this decision, though. For up to ten years, bankruptcy information may appear in your FICO credit report, making it more difficult for you to obtain credit in the future. Consult a bankruptcy attorney before proceeding in this manner.

Ask for help with paying the medical bills

If you need help with paying for medical expenses, finding a patient advocate is a great place to start. For free case management, patients must have a chronic, significant, and disabling illness.

Possible examples of this help include assistance with low-cost health care and pharmaceutical programs and assistance with paying for necessities like food, rent, utilities, and transportation.

Check with your hospital and consider submitting a financial aid application. For qualified low-income patients who cannot pay their medical bills, hospitals may offer financial assistance.

Final Thoughts

The medical provider may file legal action against you if a debt collector cannot persuade you to pay. Cash will be deducted from your paycheck and applied to your debt if this occurs. The above mentioned options will help you in paying your medical bills.

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