As a patient, you have certain rights including the right to high quality treatment, a clean and safe hospital environment, informed consent, knowing if a treatment is experimental, making your own healthcare decisions, and being treated with courtesy, respect and timely attention. The medical billing process involves a doctor submitting a claim to your insurance company who determines coverage and medical necessity before deciding who pays. FICO scores can be affected by unpaid, partially paid or delinquent medical bills as well as bankruptcy filings. Options for dealing with big medical bills include paying, negotiating reductions, not paying and risking lawsuits, borrowing money, or filing bankruptcy.