他們說已經不收healthplus了doesn't mean the insurance won't

cover your visit, right? It just means you may need to file for reimbursement yourself. I suggest you call your insurance and find out. If insurance doesn't cover it, you can also write to the hospital and try to negotiate the fees. If you decide 賴賬的話, of course your信用會降低, also會被討債公司追債. if everyone can just ignore their bills and not have any consequences, then who would be paying the bills any more.