It looks like one of my dreams may be coming true this December! The world of medical billings and collections has long been my favorite pick for reform. Too many consumers end up with destroyed credit or are forced into bankruptcy because of outrageous health care bills and aggressive collection practices. In the worst cases, patients can face arrest, difficulty paying for their housing, liens and bank account seizure for unpaid medical debts.

But this all may be changing! The Dallas Morning News reported today that many hospitals are adopting new consumer friendly policies. In 2003, the American Hospital Association issued guidelines for fair billing practices that included talking with patients about payment programs and coverage options, making care more affordable for consumers with limited means and promoting "fair and balanced billing and collection practices." Amazingly enough, these guidelines seem to have had an impact on hospital procedures.

Tenet Healthcare Corporation has implemented payment plans and discounted prices as part of their Compact with Uninsured Patients that "that pledges to treat them fairly, provide them with financial counseling, and help them apply for local, state and federal health care programs, such as Medicaid."

These are all baby steps toward combating the serious issues of health care costs, insurance and collection. There is still a long, long way to go before the system is fully reformed for consumers. I&39;m continuing to dream about more reforms to medical billing practices in the meantime. What is your dream this December? Share your thoughts with us at tidbits@credit.com.