this post was submitted on 31 Aug 2025
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My insurance premiums are closer to $12,000 a year (basically a hop, skip, and a jump from $1,000 a month).
It certainly isn't the most expensive plan I found, but it was up there. I knew about all the shitty practices by insurance companies, but I tried to do my research to ensure that my prescriptions and doctors were covered, and I hoped that with a plan this expensive, I might be a bit insulated from the worst of it.
Then I had an emergency. Three things that my insurance did not cover really stood out to me.
The ambulance was considered out of network, so I am on the hook for 100% of the cost. You don't have any choice about which service picks you up.
The doctor was out of network, so I have to pay 100% of his charges. I know he probably approved my treatment or reviewed my test results, whatever, but I never saw him and the only treatment I received came from the nurses.
I was given 2 ibuprofen. They cost me $45. I was given several different and conflicting reasons why, but ultimately, I'm on the hook for that.
I wouldn't pay it. As of now, medical debt can't hurt your credit score. When they send it to collectors, just deny the debt is yours. Refuse to give the collectors any info and don't accept the debt.
Do you have any sources?
I tried to double check and all i found is that:
https://ask.fdic.gov/fdicinformationandsupportcenter/s/article/Q-Can-medical-debt-impact-my-credit-score?language=en_US
I am preparing a pamphlet for getting and navigating US healthcare and that would be an amazing addition.
Apparently, 15 states prohibit it from hitting your credit. I was under the impression that it was nationwide.
By chance do you have a source to this?
It was a law from Biden that went into effect in January but trump had vacated in July, all this year. There's a lot of confusion on this because of the flip flop.
https://www.nclc.org/resources/dont-add-further-insult-to-injury-medical-debt-credit-reports/
This was the story I saw. I know in my state, it can't ding your credit.