他们说已经不收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 赖账的话, of course your信用会降低, also会被讨债公司追债. if everyone can just ignore their bills and not have any consequences, then who would be paying the bills any more.