Paid Medical Debts NOT Allowed on Credit Report #shorts
Channel: Mike the Credit Guy 
Date: 15/06/2022

A new law bans unexpected medical bills starting this month. Advocates say consumers should still watch for these charges and know what to do if they do. Providers won't write "Surprise!" on illegal bills. Patients must determine when new protections apply.

Before this year, if you went to a hospital where the anesthesiologist wasn't in your health plan's network, you could have been charged thousands of dollars. Balance billing is when insurers offer partial out-of-network coverage and leave the patient to pay the rest. Out-of-network costs aren't always covered. 1/5 of private insurers' emergency claims include out-of-network bills.

The No Surprises Act bans out-of-network charges. Patients should review all hospital and doctor bills after visiting the ER or an in-network hospital. Even if an out-of-network provider offered you emergency care, they can't charge you more than an in-network provider, including any cost sharing your plan requires. If your bill is larger than your copay or deductible, you may have been overbilled. You should never be billed for emergency services beyond your deductible and copay. This information should be on your health insurance card or EOB.

You can now report suspicious medical bills to the federal government. Online or at 1-800-985-3059. Your provider may send your bill to collections. You're protected. #medical #debt #credit #creditreport #creditrepair #credithacks #credittips 

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