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Hospitals running credit checks before treatment

Should you list your Social Security number on a medical form? Clark does not. Medical record numbers have replaced Social Security number on insurance cards in an effort to stop ID theft. Why would you open yourself up to it again?

A Wall Street Journal reporter recently found that some hospitals now require Social Security numbers at registration. The facilities then quietly run your credit using an outside source that gives a proprietary rating to gauge your likelihood to pay for service. Some hospitals are even turning away urgent but non-emergency patients deemed to be credit risks. Unfortunately, many hospitals doing this are non-profit facilities that have a duty and mission to provide care to those who can't pay. So they get non-profit status, but they ignore their core values.

Your credit can help or hurt you in so many ways. Think about this: Clark recently froze his credit. Does that mean he might be temporarily denied service until his records can be thawed?

Unfortunately, Clark won't be able to answer any questions submitted via commenting. If you have a question, please try posting it to our message boards.

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What others are saying

  • So what can you do?
    I agree that this is awful, but what are my options besides shopping around for hospital after hospital... and even then my doc may not be affiliated with the hopitsal I choose? Can I just refuse to give them my SSN??
  • Time for a change
    The market place has not solved the health care crisis. Our health care system is slowly becoming a system for the wealthy only. Now your credit status is going to determine if you get treated by the hospital or not.... Outrageous...
    Aren't we obliged to take care of our fellow citizens?
    BTW: Medical bills should never be the reason for a bankruptcy.
  • gov needs to stay out of health care
    our public schools are a mess and so will healthcare be a mess if gov. gets involved. i read medical horror stories about universal health care in other countries. you should check out the u.s. va hospitals(my husband was a patient),you will see how inept us gov. is. i donot want universal health care; more government control is not what americans need. "americans have taken care of themselves for years and that is what our country is about".
  • Hospitals Running Credit Checks - Agree 100%
    LJ,

    I couldn't have said it better myself. I've often thought about claiming to be an illegal alien next time I have to visit the ER. I would probably get seen faster and have no paperwork / bills to deal with!

    Scott C
  • One more reason for universal coverage
    The sad story about doctors and their unbillable hours made me chuckle. Welcome to the world of entrepreneurs! Unbillable hours, uncollected accounts, insurance cost, all go into the category of "overhead" and the doctor or hospital recoups the expense. From the rest of us. Maybe you should all study the idea of nationalized health care again, put aside political bias, really study how it works (or doesn't) in other countries. Or wait until it's your turn to be denied as the result of making late payments on your car.
  • SSN use by Hospitals & Insurance Companies
    I haven't been known by my SSN by any insurance company or hospital for nearly 30 years because I simply refuse to give it to anyone who isn't paying me a wage, salary or interest. In this day and age of ID theft it is even more important to protect your SSN like it is your virginity. Once given up, you can't get it back. Therefore, keep it to yourself. They can't lose or abuse what they don't have!
  • Hospitals Running Credit Checks
    The solution here is for everybody to just claim that they are illegal aliens, don't have a SS#, and demand the same free treatment that the hospitals are required to give to all illegal aliens. Then, when all our hospitals go bankrupt from people not paying, the deadbeats we vote into office will do something to get the illegal aliens out of the system and the fraud out of the system. A large portion of all insurance premiums (home/auto/medical) is to offset fraud. For every Doctor barely getting by, there are 3 others who greedily soak & gouge the system with phony charges. I'm tired of being gouged, and having to pay extra so that illegals and deadbeats can have stuff for free.
  • Insurance in general
    If you aren't in the medical field you may not understand. People are still under the assumption that doctors are rich and simply don't or won't pay their bills. Most doctors write off .40-.50 cents of every dollar billed because of insurance contracts. Malpractice insurance premiums are putting doctors out of business. Frivilous lawsuits cost them thousands. Did you know your doctor has to pay a deductible for every lawsuit filed whether it goes to trial or not? The deductibles are 5000.00 and up. Most doctors end each day with at least 2-3 hours of paperwork and phone calls that are not reimbursed by anyone. Do you want to work for free? Most offices now collect copays upfront because of the miriad of excuses that are given at the checkout counter. We know if we don't get it while you are there we probably won't get it. How would you feel if your boss told you on payday that he forgot his checkbook. How about trying to buy groceries... go to the checkout and tell them that you forgot your checkbook and you will mail them your money ! When you are complaining about credit checks and wondering why they do it. So far in the last six months I have turned over 400,000 in unpaid bills to collection agencies, but we are forced to see these same patients over and over again. We can be sued if we don't. My doc is on call 24 hours a day-7 days a week and after expenses makes about 130,000 a year. Sound cushy to you?
  • spectera vision (state merit georgia)
    uses ss# for member number, so to receive your vision benefits you must give out ss#.
  • SSN for ins. policy number
    My son's health ins. with Aetna uses his SSN as policy number. This is new coverage as of 030108.
  • Outrageous
    It sucks! I went to a ER at a Florida hospital and when I went to check my credit report two months later, I saw that they did an inquiry. What next, signing in blood?! Give me a break!

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This week's poll
NYC health inspectors have been handing out violations to chain restaurants that don't post calorie counts on their menus. What's your take on this?
I believe in what the inspectors are doing. Long live the food police.
This isn't a legitimate function of gov't-paid employees.
I couldn't care less. I'd be eating at home to save money!
see previous polls


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