The medFICO score doesn't have anything to do with whether or not you have good regular credit score or will receive treatment and they won't even know what treatment/illness you had. It's only related to a stay in the hospital. When you leave the hospital, the billing office will retrieve your score to figure out whether to write off your debt, bill you, or figure out a monthly payment schedule or what. It's an efficiency sort of thing to streamline the billing as in "no use beating a dead horse" like they do now :-) Medical bills are so high because they're so clerically intense so anything that says, "don't bother billing this person, he can't pay" will save time and money and help keep costs from escalating so fast.