If you were recently in the hospital, and you have some bills piling up, you may want to know a little about your credit score, and how these bills can affect it, before you think you can just skip over them, and not worrying about them.

In America today, the main reason that many people are in debt is solely because they can’t or don’t pay their medical bills.  With those without insurance, you’re going to find out that it’s hard to pay a $20,000 surgery bill.  This is why I highly recommend you at least get a higher deductible health insurance plan.  These can run you around $40-$100, and are actually quite good for the money.  Find yours at eHealthInsurance, where you can compare top leading health insurance companies.

How does it affect my score?

Like any unpaid bill in life, a health bill is going to be no different.  If you don’t pay after 30 days, you’ll most likely get a notice in the mail.  Keep in mind that if you can’t pay it off, you want to contact someone immediately so that you can get some help.  Most of the times, the hospital may put you on some sort of payment plan, where you can pay off your bill in small amounts.

Now, after about 90 days, you’re going to find that the hospital, or doctor’s office is most likely going to sell off your debts to a third party.  This is where the harassing starts.  If you continue to not pick up, or ignore the bills, you will most likely find out that they will either try to garnish your wages or take your to court.

How can I stop this?

The easiest way to solve these problems is simply by paying your bills, or contacting the company.  This is usually the best way to go, when it comes down to getting your medical bills solved.