Metro 2 Credit Reporting for Healthcare Providers
HIPAA-compliant credit reporting for medical debt. Navigate the 180-day waiting period and special medical debt rules.
Challenges for Medical Billing
180-Day Waiting Period
Medical debt cannot be reported until 180 days after the date of service.
Insurance Coordination
Cannot report while insurance claims are pending or in appeals.
HIPAA Requirements
Credit reporting must not reveal sensitive medical information.
Small Balance Exclusions
Credit bureaus may not accept medical debts under certain thresholds.
How Metro2 Helps
Automatic Waiting Period
System enforces the 180-day waiting period automatically.
Insurance Tracking
Track insurance status and only report after final adjudication.
HIPAA Compliant
Credit reports never reveal medical conditions or procedures.
Payment Plan Support
Report patient payment plans as positive payment history.
Features for Medical Billing
1Date of Service Tracking
Track original date of service for waiting period calculation.
2Insurance Status Integration
Connect to billing systems to track insurance claim status.
3Provider Name Masking
Report as generic medical provider to protect patient privacy.
4Paid Medical Debt Updates
Quick updates when patients pay medical collections.
Who Uses Metro2
Hospital Systems
Large hospital networks reporting self-pay and bad debt accounts.
Physician Groups
Medical practices reporting patient balances after insurance.
Medical Billing Services
Third-party billers handling credit reporting for multiple providers.
Healthcare Collections
Collection agencies specializing in healthcare receivables.
Compliance & Regulations
HIPAA Business Associate
We execute BAAs and maintain HIPAA compliance for all medical data.
Medical Debt Regulations
Current with all federal and state medical debt reporting rules.
Credit Bureau Medical Rules
Following Equifax, Experian, and TransUnion medical debt policies.
Frequently Asked Questions
When does the 180-day clock start?
The 180-day period starts from the date of service (when care was provided), not the billing date or statement date. Track this date carefully for each account.
What if insurance is pending?
Do not report while insurance claims are pending, in appeals, or subject to coordination of benefits. Only report the patient responsibility after final adjudication.
How do I mask the provider name?
Report as 'Medical Payment Data' or similar generic term that doesn't reveal the type of provider (e.g., don't use 'Oncology Associates').
What about the paid medical debt rule?
The credit bureaus have agreed to remove paid medical collections. Report the final payment and status code 13 (Paid/Closed) to trigger removal.
Related Industries
Compliant Medical Debt Reporting
Navigate medical debt rules with confidence.