How to Dispute Medical Bills

Medical bills that go unpaid have the ability to wreak havoc on your credit. Medical bills are often extremely expensive and can run into tens of thousands of dollars. If a medical bill does not get paid, hospitals and physician's offices will turn the account over to a collection agency. If you wish to dispute a medical bill, you may have to contact different parties in order to have the account settled.

Instructions

1. Call the medical billing agency first. This may be the hospital or doctor office's billing department or a third-party collection agency. Ask to receive an itemized bill along with payments received from you or your insurance company.

2. Review the copy of the bills you receive from the office. If you see a charge on the bill that is incorrect, point it out to the billing department. There may be charges for bloodwork or other medical procedures that you did not have.

3. Contact the billing department by phone about the charges you are disputing. Mail or fax a copy of the bill and highlight the charges you don't believe you should pay. Type out the reason you feel you shouldn't have to pay these charges. Remember to record the name of every person you speak to in the billing department.

4. Wait for a reply from the medical billing agency. If they will not adjust the charges, contact your insurance company about the issue. They can work with the medical biller to settle the charges. They may need to resubmit the claim in order to resolve the issue.

5. Dispute the medical bill on your credit report. If the medical bill shows up on your credit report after you have resolved the issue. Contact the dispute department of the reporting agency to have it removed.