The easiest way to prevent your medical bills from affecting your credit report is to know your insurance policy from cover to cover and to constantly stay in touch with your insurance company. You need to monitor the process when the insurance is covering your bills as agreed. Not making sure that the company is paying your medical bills is one of the most common reasons why people end up dealing with collectors.
Whenever you face an unmanageable bill, do not hesitate to negotiate the deal with the hospital or any other medical provider. In case of a successful outcome of the negotiations, always get the new deal in writing to have a record for any future disputed.
Billing advocates can also help you get around the medical bills when their cost and amount become too overwhelming. These experts will go through all of your bills and try to negotiate better deals for you.
And the last yet not least popular way is to crowdfund your bills. Such money-collecting websites allow receiving the required amount of money from complete strangers and covering up your bills. In this case, however, be very careful with the 180-day deadline for the bills. After half a year all medical bills get transferred to the collection agencies.
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