I don't pay surprise bills ... (and I don't think it affects my credit because I had a couple in the last year and my FICO score is still at about 800) ... I'm

I don't pay surprise bills ... (and I don't think it affects my credit because I had a couple in the last year and my FICO score is still at about 800) ... I'm not going to pay a random bill that comes 3 months after a doctor's visit that they never told me about and I already paid $400 for the emergency 30-min visit (not sure what the insurance paid)