My daughter was in the emergency room and i appealed the bill with the insurance co b/c they had her deductible wrong. i let the hospital know it was being reviewed by insurance. i am starting to get calls from the hospital about the bill, and it has been over 2 months with no new insurance statement. my insurance said it is still being processed. i would just pay it and get reimbursed, but it is over $700 and that doesn't make sense to do if it doesn't affect my credit. Please help!
2007-03-19 08:08:41 · 8 answers · asked by Anonymous in Business & Finance ➔ Credit
It is possible that this can hurt your credit. I would call the hospital first and talk to them in detail about the problem. Ask them if they have placed it on your credit yet. You can also go to annualcreditreport.com and pull the reports yourself to see if it has been placed on your credit. 99% of the time if the bill is still in collections with the hospital and not an outside company it has not been put on your credit. Keep documentation of everything and everyone you speak with.
2007-03-19 09:53:13 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Call the hospital and talk to the patient accounts representative handling your account. Explain the situation to them and see what they say. Do you know about how much you'll end up owing? Maybe you can offer to send them a payment based on that amount if they'll be willing to wait for the insurance company to finish processing their claim. You say it's been two months - if shouldn't take that long, but if it takes more than 90 days, then I'd call the insurance company and start looking for answers.
To answer your question - unless they've referred it to collections, it should not be hurting your credit YET. However, keep an eye on the situation. Let the hospital know you've been looking into it and you'll continue to do so until it's paid. They'll be less likely to send it to collections.
2007-03-19 15:18:46 · answer #2 · answered by reandsmom77 6 · 0⤊ 0⤋
Does the hospital understand what's going on? They shouldn't be harrassing you if you have a pending insurance claim. However, it may be easier to pay the bill, or even half the bill, to appease the hospital for now. They must issue you a refund if and when the insurance company pays the hospital.
2007-03-19 15:24:33 · answer #3 · answered by aj1020 2 · 0⤊ 0⤋
NOT AS YET. JUST EXPLAIN TO THE HOSPITAL STAFF THAT THE INSURANCE IS IN PROCESS. GIVE THEM THE NUMBER TO THE INSURANCE COMPANY WITH THE CLAIM NUMBER AND LET THEM HELP COLLECT. YOU CAN BEGIN TO PAY SAY $10.00 PER MONTH AND THEN THE HOSPITAL CAN'T SAY YOU AREN'T PAYING. IF IT GOES TO COLLECTION, THEN IT WILL SHOW ON YOUR CREDIT REPORT, AND THAT WILL HURT YOUR SCORE. SO, KEEP THE HEAT ON YOUR INSURANCE COMPANY AND GET THE HOSPITAL INVOLVED.
2007-03-19 15:14:51 · answer #4 · answered by H. A 4 · 1⤊ 0⤋
It might. I know of my co-worker who had a situation like yours. The insurance co. just kept saying no and it ended up being denied. Couple years later when he pulled out a credit report, it was on the report and it hurt his credit.
2007-03-19 15:13:07 · answer #5 · answered by Answr-R 2 · 0⤊ 0⤋
call the hospital again, it could eventually hurt your credit if you are the guarantor for your daughter. That will only happen if they put you into collections or charge off. Sounds like you are dealing with it proactively, which is good. All the best.
2007-03-19 15:14:58 · answer #6 · answered by Byron W 3 · 0⤊ 0⤋
It usually doesn't effect your creidt unless/until it gets referred to a collection agency.
It might be best to make some small 'good faith" payments in order to keep it from going that far.
2007-03-19 15:34:57 · answer #7 · answered by Anonymous · 0⤊ 0⤋
medical bills are reported to credit bureau and they bring down your credit score but if you tell the loan officer the circumstance they usually wave med bills.but it still mess with your score..sorry
2007-03-19 15:14:30 · answer #8 · answered by Anonymous · 0⤊ 0⤋