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Medical Debt Consolidation Does Not Always Help
By Ashley Russell on August 3, 2011

surgeon-(1).jpgWhen you run into the unexpected bills for medical expenses, it can be overwhelming. Medical debt collection companies may begin to harass you in an effort to force you to pay your bills. In order to more efficiently deal with your bills, you must understand how medical debt collection works.

The number one thing to remember is that you are responsible for your own medical debts. Many people think that their insurance companies are responsible for handling medicals bills; however, this is not true. Medical providers are not required to send bills to your insurance companies. It is your job to send your medical bills to your insurance company.

Once you have sent your bill to your insurance company, do not stop there. Be sure to follow up with you insurance company to ensure that the bill is paid in a timely fashion. If the bill becomes late, then the medical provider will bill you the late fee, not the insurance company. Luckily for many, medical providers offer the option to have them send the bill directly to your insurance company. This, however, does not mean that you should not follow up with your insurance company to ensure that they have received the bill and plan to pay it.

Be sure to have your bills paid quickly. In many states, medical bills are accompanied with an interest rate that can be applied whenever the payments are late, thereby increasing your overall cost. Most of these payments are due within 30 days of the time the services were provided. If no payment is made on the account by the 30 days, then a late fee may be charged.

In order to take care of your medical bills and avoid medical debt collection, stay on top of your insurance company. If you have insurance and they should pay for your bills, make sure that they are quick and efficient with the payment. Give the insurance company the bill as soon as you receive it so that they will have an ample amount of time to arrange for it to be paid. Don’t let medical debt collection scare you. As long as you pay in a timely fashion, be it with your own money or with insurance, you should not have a hassle with these debts.
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