Skip to main content
97 votes

Medical provider is threatening to send me to collections over a debt I do not owe

When I had this problem, I wrote the following: We do not owe you any money. If you illegally give false information regarding this alleged debt to any credit reporting agency, we will sue you ...
prl's user avatar
  • 2,817
45 votes

$7300 medical billing error reported to credit agencies

My question is what more can I do to ensure this doesn't happen again. Credit monitoring services can be helpful at detecting things like this early, but they can't actually prevent them, clerical ...
Hart CO's user avatar
  • 70.5k
45 votes
Accepted

Medical provider is threatening to send me to collections over a debt I do not owe

First, collect facts. From the collector: You need to "collect" (heh) the account number, doctor or provider's name, service date, amount, and contact information for the doctor and the collection ...
Harper - Reinstate Monica's user avatar
42 votes
Accepted

What is the cost of health care in the US?

The most important thing to keep in mind is that billing in the US healthcare system is utterly insane. Identical procedures and even medication prices can vary wildly in price depending on where you ...
eps's user avatar
  • 1,343
40 votes
Accepted

Is it common in the US not to pay medical bills?

Is it common in the US not to pay medical bills? Certainly not. What some might do, however, is not pay them immediately, with the intent to negotiate them down or get them written off. You can ...
D Stanley's user avatar
  • 137k
30 votes

Do I have to pay a medical bill when the ER never submitted it for an insurance claim?

Waiting two years is weird. However it's possible that this whole thing got a 15-month "pause" because of the pandemic, and that would make the timing more plausible. Regardless, do not let ...
Harper - Reinstate Monica's user avatar
29 votes

Doctor won't let me self-pay because I've "already presented" them my insurance card?

Is this legal? They are basically refusing me treatment unless I pay the higher "insurance" price. It is legal, since the "list price" is likely much higher anyway and they're not ...
littleadv's user avatar
  • 177k
26 votes

Do I have to pay a medical bill when the ER never submitted it for an insurance claim?

In addition to Harper's answer, if the insurance company also gives you the runaround, here are some reasonable next steps: Write down everything. Focus on the facts; don't editorialize or write your ...
Kevin's user avatar
  • 506
21 votes

Is it common in the US not to pay medical bills?

In addition to the good answers already provided, I want to point out that many (most?) providers will handle filing your health insurance claim for you even though it's really your responsibility. ...
G. Ann - SonarSource Team's user avatar
20 votes

What is the cost of health care in the US?

The US health care system has many maladies, and the absurd prices are only one effect of it. Most people don't pay those prices, as insurances negotiate the hospitals and doctors down, and the ...
Aganju's user avatar
  • 37.7k
16 votes

Is it common in the US not to pay medical bills?

There are some uniquely American issues in this question (and answer), but some general principles as well. In general, most Americans are covered by some form of medical insurance. One of the ...
GalacticCowboy's user avatar
13 votes

When is an HSA expense "incurred"?

There are a couple of specific criteria in the HDHP / HSA relationship. You must be enrolled in an HDHP in order to contribute funds to an HSA on a tax preferred basis. You do not need to be ...
quid's user avatar
  • 49k
12 votes

If I make an out of pocket medical payment on my normal credit card, can I withdraw that amount from my HSA?

Yes, you certainly can. As long as you incurred the expense while you had the HSA account in place, you can pay for the expense in any way you please, and reimburse yourself later for that expense out ...
Ben Miller's user avatar
  • 116k
12 votes

Bait & Switch Doctor

Realistically, if the bill is only $330, you're unlikely to find a solution that doesn't cost you more than that in time and irritation. I would just pay the $330, give them a one-star Yelp review, ...
BrenBarn's user avatar
  • 24k
11 votes

$7300 medical billing error reported to credit agencies

The hospital has done what they can do in terms of repairing the damage; 30 days is reasonable given reporting frequency. No permanent harm has been done in terms of your credit. Further, since this ...
Joe's user avatar
  • 35.8k
10 votes

Is it common in the US not to pay medical bills?

Is it common in the US not to pay medical bills? Or do I misunderstood what had been said? I would feel comfortable saying that most people who face medical bills don't pay them. They are unable. ...
Harper - Reinstate Monica's user avatar
10 votes
Accepted

What incentive one has to pay a medical bill in this situation?

Just because the bill can't be reported doesn't mean the debt doesn't exist and isn't owed. So apart from the obvious decade of collections calls, and withholding of your medical records from the ...
quid's user avatar
  • 49k
10 votes

Original creditor forwarding payments to collection agency

Okay you are dealing with a collection agency, and they are (generally speaking) pretty bad with things like lying, cheating, and stealing. This is what I would do if I was in your situation: Stop ...
Pete B.'s user avatar
  • 76.7k
10 votes

Medical provider is threatening to send me to collections over a debt I do not owe

First, find out what their formal complaints process is, and then start it. The problem with just talking to customer services people is that they like to keep reassuring customers that everything ...
Simon B's user avatar
  • 10.4k
10 votes

What is the cost of health care in the US?

Many of your numbers are exaggerations: If you visit a doctor for the treatment of a colds cost $1000. (In Japan, it's typically less than $30 if you use insurance.) With my doctor an office visit ...
mhoran_psprep's user avatar
9 votes
Accepted

If I make an out of pocket medical payment on my normal credit card, can I withdraw that amount from my HSA?

Yes you can. You will need proof of receipt for the amount and submit it to the bank who operates your HSA account. You have to ensure that your medical expenses qualify as they would if you had paid ...
Michael's user avatar
  • 10.2k
9 votes

Bait & Switch Doctor

There are non legal avenues that you might consider. Contact your state dental association. They have a peer review process to help resolve dental treatment disagreements. If it is a legitimate ...
Bob Baerker's user avatar
  • 76.7k
9 votes

Medical bill sent straight to collection agency

You mentioned in your question that the bill would have been paid by the insurance plan. In the US, insurance plans have timely filing deadlines - they vary from plan to plan, but can be as short as ...
dwizum's user avatar
  • 17k
9 votes

Medical provider is threatening to send me to collections over a debt I do not owe

In addition to the other answers, your rights are protected in the USA by the Fair Credit Reporting Act. See https://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
CarlF's user avatar
  • 231
8 votes
Accepted

Disputing a collection on an account that is current, but the collection agency wants the original debt amount

File a complaint with the Consumer Financial Protection Bureau. Do not pay any more money on this bill until this collection company sends you verification of the debt. I think you are likely to be ...
memyselfandeye's user avatar
7 votes

Is this a form of insurance fraud? Provider charged us less than reported to insurance

Most states have an insurance regulator with a hotline you can call if you suspect insurance fraud to talk with someone about whether your situation might constitute fraud. Since you mentioned UCSF I ...
JohnFx's user avatar
  • 53.1k
7 votes

My dentist sent a forged bill to my insurance (California, US)

With every medical bill covered under insurance there are multiple prices involved. Some depend on if the item is 100% covered, partially covered, covered with a co-pay, out-of-network, or not covered....
mhoran_psprep's user avatar
7 votes

Medical bill with wrong name sent to collections

You made an honest mistake. It's OK, it happens. I would recommend calling the billing department of the doctor/hospital and explaining the situation. They might not believe you, but if you're polite ...
BobbyScon's user avatar
  • 14k
7 votes
Accepted

What is the best way to finance medical screenings for a non-resident alien?

Get liquid funds ready in advance, be prepared to put down sizeable cash deposits for services you can't or don't want to purchase outright, and try to negotiate discounts for paying bills immediately ...
Upper_Case's user avatar
  • 1,558
7 votes

What is the cost of health care in the US?

I can give one illustration: Some years ago I had a kidney stone attack while on a trip to Mississippi (from Minnesota). I checked into the emergency room of the local hospital and eventually, after ...
Hot Licks's user avatar
  • 179

Only top scored, non community-wiki answers of a minimum length are eligible