Medical Billing FAQs

What does it mean when a medical bill goes to collections?

Each hospital or doctor's office determines the length of time they will allow for patients to pay their medical bills. If bills remain unpaid beyond that period, those bills are referred to agencies that specialize in collecting payments. Once they're turned over to one of these collection agencies, your debt may be reported to a credit bureau.

Learn more at Experian
How long will a medical debt remain on my credit report?

If you are unable to resolve your bill or reach a payment agreement with a collection agency that reports your account to a credit bureau, the collection account will stay on your credit history for 7 years. There is some good news. In 2022, the three major credit bureaus made changes to Medical Debt Collection Data. Effective July 1, 2022, paid medical debt will no longer be published as a tradeline on consumer reports.

Learn more at Experian
Is it possible to negotiate on a medical bill?

Yes. Contact the billing manager at your hospital or doctor's office billing manager to discuss your options. Some providers may be willing to adjust your bill or work out a payment plan that could keep your debt from affecting your credit score.

Learn more at Experian
What is an EOB and do I need to pay it?

An EOB, or Explanation of Benefits, is not a bill, so there's nothing to pay. It's an inventory that shows which parts of your medical bill were paid by your insurance company--and which items were not. It's a good idea to keep EOBs and use them like checklists to keep track of the bills you'll need to pay out of pocket.

Learn more here.
Where can I find help understanding my medical bill?

Helpful Resources

Tips for Working with a Debt Collector

Contacted by a debt collector? Don’t worry, they will work with you to get everything resolved.

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Begin to Get Out of Bad Debt

Take control of your debt by taking inventory of all bills, costs, and due dates. This is the first step to manage your debt.


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How to Dispute a Consumer Report or Debt

Consumers are protected by law and can dispute any bills or debts, don’t be afraid to ask questions and learn more about the debt presented.

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How Long it Takes for a $0 Balance to Show on Report

Lenders, typically, update their accounts monthly. But, there are different circumstances that could affect this timeline.

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Paying the Debts of a Deceased Relative: What You Should Know

Do I have a legal obligation to pay off a deceased relative’s debt? What about a spouse’s? What exemptions do I have? Learn more at the link below.

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Know Your Patient Rights

Dealing with medical bills can feel powerless. In reality, you have rights as a consumer. Knowing those rights can help you overcome the barriers to paying off your medical bills.

Read More Here

Budget To Pay Bills Off Faster

Building and maintaining a realistic budget are critical steps to feeling in control of your finances. Not sure where to start? Consider this helpful advice.

Get Budget Building Insights

Still Have Questions?

Contact your KeyBridge Patient Care Representative Today.

(877) 879-9822 Email Us