What can be done to keep your medical bills from being reported to the credit bureau when they are supposed to be paid by another party?

Answer 1

Only the business office at the medical center, hospital or doctor's office where you received service can answer this. What might be true for avoiding collections and being reported to the credit bureaus at one firm may not apply in your situation. Ask the provider what YOU need to do in YOUR situation to avoid collection and being reported.

The short and glib answer is to pay the bill. Usually this type of question comes from an issue with insurance coverage and payment. The bottom line in any medical service is that the person who receives treatment, or that persons legal guardian, is responsible for the bill NOT their insurance company. If there is a delay with payment, the provider will expect payment in full from the patient (or their parent) and expect that the patient will argue with their insurance company to be reimbursed.

Your particular situation falls into the same category as when Insurance is "supposed" to pay. Celebration Station did not receive medical service, you did!

Every consumer has to sign a statement when they get medical treatment that acknowledges they are the responsible party. This is because medical providers know that consumers want someone else to be liable for their bills, like their Insurance Company, or in your case, Celebration Station. But you cannot transfer liability. Pay the bills and then get re-imbursed to preserve your credit. If the medical providers are not paid promptly, they will report the bad debts against you, not Celebration Station.