My daughter and I visited a dentist in California, where we reside, using my dental insurance, which also covered my daughter. She was already 18 at the time. It was our first visit and we had xrays and exam. According to the front desk person, it was covered by the insurance. We later received a bill for $136.00 per person, which represented the difference from amount covered by insurance and actual dentist's charge. I never paid. It went into collection and I still didn't pay.
My daughter, now 21, asked for a loan, she was denied because the debt apears on her credit report. She was under my insurance, I was responsible for the payment, how can she be subject to bad credit for non payment of medical co-payment or balance billing or any related non payment of medical/dental insurance?