r/HospitalBills • u/Efficient_Heart_2404 • Jul 30 '25

Hospital-Non Emergency Hospital bill and payment

Hello…Can someone assist with my medical debt question?

I received a letter from a creditor about a medical debt for my minor child for 2024. She had the same surgery twice (2022 and 2024)…Each time I paid half of the deductible before the surgery and nothing else after.

I sent a debt validation letter a couple weeks ago got this last surgery in which they sent the itemized bill (2024) from the hospital.

The problem is, my payment is not included.

Before the surgery, I received an email from their system stating what I needed to pay before the surgery. I made the payment online, in which I have found proof through my receipt and HSA account payment.

Just thinking about it….It is possible that it went toward my previous debt for the same procedure or another medical bill of hers…I’m not really sure.

The bill is more as they state it’s their fee in addition to the bill (total $3666)

What would be my next steps? Is there a website that shows the steps that I should follow or can someone explain to me what I need to do now? What letter or correspondence/communication is next?

I attempted to find information online but don’t see anything about this scenario.

Just to clarify…My payment is not reflected on the ledger of payments. There is about $400 added as their fee, I assume…It’s included in the total amount owed that they sent on their letter. I paid $1600 before the surgery.

Also I am looking to purchase a home soon (in couple months). This debt is not on my credit report. What do I need to do to not have this effect my credit.

Please help!!!!

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u/tired-of-it8511 Jul 30 '25

I would call the collection company and as long as you have the proof you paid that amount before her surgery for that surgery they should look into everything. If you had a balance then most likely that’s where the money went to. Your first step is to print out all your info showing you paid then call them and talk with them and then they can tell you the next steps. Remember to always write down the name of the person you talk with and the date and I know who write the time as well. 🤷‍♀️🤷‍♀️🤷‍♀️

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u/[deleted] Jul 30 '25 edited Jul 30 '25

[removed] — view removed comment

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u/Efficient_Heart_2404 Aug 01 '25

Yes, it was the same doctor.

1

u/Open_Trouble_6005 Jul 30 '25

Call the hospital billing center and find out what happened to the $1600.00 deposit that you made before your procedure. It very well could have been applied to an old balance. Also, find your EOB for that procedure and review it to see what your out of pocket was for the procedure so that it reflects what you are being asked to pay.

1

u/notdoraemon2020 Jul 31 '25

Did you purposefully pay half of the deductible and skip out on the remaining amount of the last bill, the 2022 encounter?

1

u/Efficient_Heart_2404 Aug 01 '25

Not really. I do recall now having a remaining deductible left after trying to figure out why it wasn’t credited. My daughter had several medical bills for a while so I was paying as I could depending on what was needed at the time. All of them are under the same medical group for different specialist.