Mortgage and Insurance

I came across this site several days ago, and it has so much useful information.  To all those who take time to answer the questions of people like me, I truly would like to say thanks.

 

With that being said, I need guidance on two medical bills on my credit report.  

•  CA= IC Systems Inc - Amount Owed $13,332 – Charged off 7/9
•  CA= CP Credit Management – Amount Owed $575 – Charged off 2/9

 

I went to the emergency room and accrued these charges.  At the time, I had insurance which should have covered this.  I am no longer with the company.

 

I did not know about these charges because I moved days after visiting the emergency room

 

Is there any type of way I could get this removed from my CR?  I doubt my former insurance company will settle this debt since it has been over a year. 

 

If I made payment arrangements, would that increase my score?  I would only be able to commit to $50 a month.  I am living check to check (like most of us)

 

Any suggestions and guidance is greatly appreciated.