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HomeCredit ForumYour Credit Score

Doctors and Hospitals Pulling your credit report

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Mary

Mary

Joined: 06 Jul 2006
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Posts: 156



4930 Magic Points
 
 Posted on Tue May 20, 2008 12:15 pm  
It would really be bad if hospitals start checking our credit report before starting any treatment. At least hospitals should not be allowed to pull up the credit report because if an emergency patient needs to be admitted and if his credit history is not favorable, then the situation would be pathetic.
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fireyone



Joined: 26 Feb 2008
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Posts: 1618



5435 Magic Points
 
 Posted on Thu May 22, 2008 12:19 am  
I agree Mary. I understand hospitols can really go into the red but I also see how people can not afford health care. If my hubby company didn't offer it I don't know how we would fit in another high monthly payment.
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 714



71 Magic Points
Subject: medical
 
 Posted on Thu May 22, 2008 3:19 am  
Ya know.....this entire 'hospital looking at CR' thing remeinds me of a movie called 'John Q' ( I think it was called). Denzel Washington played in this movie. The 'senario' was that his son ( in the movie) needed a heart. 'John' ( played by Denzel) was having some kind of trouble with his Medical Insurance and it wouldn't pay for the heart transplant that his son needed. The hospital wouldn't even put his son on the 'waiting list' without so much money being paid on his 'bill.' To make a long story short, 'John' was willing to kill himself to give his son a heart. (OMG...I cried 'FOREVER'!!) Those of you, that have seen this movie, I think understand my 'point of view.'
 
anthony

anthony

Joined: 31 Jul 2006
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Posts: 335



8644 Magic Points
 
 Posted on Thu May 22, 2008 8:18 am  
I agree with sdchargers on the point that if even if a person has a medical insurance he may face problem getting money during emergency. Now if at that critical moment the hospitals admit and treat patient on the basis of credit report, it will really be a big blunder.
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Anthony..

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 714



71 Magic Points
Subject: insurance
 
 Posted on Fri May 23, 2008 6:53 am  
Seems like the 'medical system says, " if you have GOOD credit, you're 'first in line'. Sure doesn't seem fair, does it?
 
goodnatured



Joined: 03 Nov 2007
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Posts: 2331



872 Magic Points
 
 Posted on Mon May 26, 2008 9:28 pm  
I would think that it would set them up for a law suit, if they deny you medical treatment because of credit and something serious happens then they can be liable for the damage of not recieving medical care.

I don't know how they can even attempt to do this.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
carol

carol

Joined: 27 Jun 2006
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7874 Magic Points
 
 Posted on Tue May 27, 2008 12:46 pm  
I think that the hospitals can be sued if they deny admission to a patient. But what if patients are admitted but not taken adequate care of only because of bad credit history.
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August



Joined: 09 Jan 2008
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0 Magic Points
 
 Posted on Tue Jun 03, 2008 1:54 am  
I don't think that you can be denied medical care if it is an emergency, I would thing that this would be cause for a law suit, serious issue or not. I would think that they would be putting themselves out there as liable if they used credit reports to determine health care.
 
fireyone



Joined: 26 Feb 2008
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Posts: 1618



5435 Magic Points
 
 Posted on Wed Jun 04, 2008 12:14 am  
I agree. The cost of medical is so outragoues. Especially for the uninsured. I was in a car wreck about a year ago and used up all my auto coverage and had to start using my personal insurance. I got an explanation of benefits statement in the mail the other day. The total bill for 1 surgery was over $2300 and I have to keep going for them evry 4-6 weeks. My insurance company paid $145 and the rest was listed as unbillable to member. I called my health company and asked how they could except such a little amount. They informed me since they were in network this is what they had to excet with out coming after me or my future settlement for reimbursement. If this was offered to people with out health coverage they sure would be struggling with payments and bills that take years to pay off. Kind of makes a person sick.
 
george

george

Joined: 06 Jul 2006
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2859 Magic Points
 
 Posted on Wed Jun 04, 2008 11:09 am  
Hospitals actually do not want credit report in case of emergency situations, but they ask for credit reports only when the patient is planning to stay for a planned checkup. This is because they need the patient to pay the cost for the medical care they are about to provide.
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George Miranda

Money does not buy happiness. Happiness is found in being content with who you are and what you have.
 
fireyone



Joined: 26 Feb 2008
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Posts: 1618



5435 Magic Points
 
 Posted on Tue Jun 10, 2008 10:15 am  
That sounds like it would be a lot better especially if it is a true emergency. People can't be waiting around while someone checks their credit. I can see if it was an elective surgury bot not if it is needed to save a persons life.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 2331



872 Magic Points
 
 Posted on Thu Jun 12, 2008 12:47 am  
I think they would be setting themselves up to the max for a lawsuit if they do deny somebody medical care over credit, thank you for letting us know this george.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
scott

scott

Joined: 28 Jun 2006
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4471 Magic Points
 
 Posted on Thu Jun 12, 2008 7:31 am  
As far as i know, hospitals ask for credit reports from patients who visit there for regular medical checkup and may deny non emergency medical care to patients with poor credit history. This is because they try to judge the ability, and willingness of the patient to pay the medical bills from the credit report. But they will never deny admission to patients in emergency cases even if the person has a bad credit history. They will even not ask for your credit report in emergency situations.
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SCOTT

Social security, bank account, and credit card numbers aren't just data. In the wrong hands they can wipe out someone's life savings, wreck their credit and cause financial ruin.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 2331



872 Magic Points
 
 Posted on Tue Jun 17, 2008 3:24 am  
I agree scott, but denying care can be a lawsuit and there are many lawyers that would be willing to take the case on, especially if it is a big hospital.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
Guest







 
 Posted on Tue Jun 17, 2008 1:10 pm  
Hi goodnatured
I too think that denying health care can lead to a lawsuit. But there are many hospitals that demand credit report before admitting a patient who has come just for a check up. But normally in emergency situations, they do not generally ask for credit reports.
 
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