Medical bills are more complicated – Hospitals, insurance companies, healthcare providers; pretty much any entity that works in or around the healthcare industry will use industry jargon that you might be unfamiliar with. Medical paperwork is hard for the average patient to understand and insurance agencies and hospitals aren’t known for customer service that can adequately explain them.
It is unusual for a healthcare provider to mention how much a procedure costs – Hospitals will not give a list of treatments and what they cost before they are performed. This is because most patients have insurance that covers some of the cost, but not all of it.
Healthcare providers can make mistakes – The amount of paperwork and medical records that even a simple medical procedure or overnight stay in a hospital generates is enormous. Lots of paperwork means it is likely that the amount you are billed is incorrect.
Medical bill collectors are aggressive – Like other collectors, they must adhere to the Fair Debt Collection Practices Act, which means they can’t harass or lie to you, but it is possible that they contacted you the day they received your file from the doctor or hospital. What they can also do is report you to a credit bureau and damage your credit score.