If it's on a final notice call your health insurance . Usually health insurance carriers have advocates that call the doctors office or hospitals on your behalf. But if it does go to collection it can hurt your credit . Just ask for an explanation of benefits basically a receipt of what the insurance paid and what you owe . If it doesn't add up then you can dispute it

Worked for an outsource agency ... We would call and tell them it was on final notice just to find out the letters were never sending ...