Wife's Medical Bill

by mathew
(tacoma, wa, usa)

i have bought dental insurance for my wife and kids but not for me because i am active duty army. when she had dental work done it left us with a balance that her insurance did not cover ($552.00) and now its on my credit report. shouldn't it be on her credit report instead?

Comments for Wife's Medical Bill

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Mar 25, 2011
 Wife's Medical Bill
by: Debtcollectionanswers.com

Based on the way you phrased your question, it sounds like you purchased the dental policy in your name for your wife and kids and therefore you are considered the responsible party for any balances not covered by the policy. Therefore, when whoever provided your wife with dental services did not get paid the difference between what the insurance policy paid and the total cost of the service and you did not pay that difference, that provider reported the debt to the credit bureaus in your name, because it's your debt.

The same would be true if your children received dental services and your policy did not pay the full cost of of those services. If you did not make up the difference and the debt was reported to the credit reporting agencies, the debt would show up in your credit records.

Hope this helps.

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