Reply to What happens if I choose not to pay a $600 bill?

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[quote=Anonymous][quote=Anonymous]I believe that a medical facility is engaging in fraudulent charges but after many phone calls, I owe them $600. I can “afford” to pay them but don’t want considering they already got thousands from insurance for a service received. I already have a mortgage and excellent credit. I don’t want my credit to tank because of this but I’m 45 and have decades of great credit in my portfolio. If I let this bill linger and never pay, how much could this affect my finances?[/quote]

Can you explain in more detail? For example, I just received a bill from a large hospital organization for 130 except my insurance already paid the contracted amount of 250. In addition, we paid a copay that needs to be refunded because the service was applied to our deductible and our deductible comes from an employer-sponsored reimbursement account. We do not owe cost-sharing- like copays- until the deductible is met. They are trying to charge me the remaining balance AFTER insurance paid the contracted rate- this is ILLEGAL. And I will be calling them AND reporting them to MD AG.

If the amount owed is part of your deductible or coinsurance then you owe it. If it is an amount after insurance paid the fully contracted rate then you do not owe it and they are illegally billing you.

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