"if you have multiple invoices from a medical provider is that $500 per bill or in the aggregate? "
For reporting it is a balance of $500 not "per bill" to the provider/creditor. Now some patients have a single bill with a balance over $500 and that can be reported. A single balance under $500 cannot. While a patient may have separate visits to the Humpty Dumpty Orthopedic Clinic resulting in a balance of $2500 owed it doesn't mean the clinic is required to break it down to the separate charges for reporting purposes. The provider after all is one creditor with one balance that was arrived at through multiple charges.
"If the total owed is over $500 would that still be reported or would it be individually and only any single bill over $500 would be reported ?"
In my opinion it would be the same as a credit card. If you owe a credit card $25k for mulitple charges over several years and default they can report and sue for the entire balance owed. The credit card issuer is not required to break it down and collect or report per charge that was made to the card only on the aggregate balance.
