I was traveling and needed to see a healthcare professional at an urgent care in August 2022. I gave them my health insurance info and I got treatment. Fast forward, I got a bill for $365 for the services (the visit itself and the tests they did). I checked online and saw that the urgent care never filed a claim. This went on until February 2023, when I saw from an EOB that my insurance paid for the visit but not the tests (so $40 balance). So, I waited for an updated bill from the urgent care but that never came. Instead, I got a notice from collection agency #1 for $365. I tried to follow up with the urgent care but they were radio silent. Debt got bounced to multiple collection agencies as I asked for verification of debt for the $365. I told my health insurance but they denied my appeal cause it’s been too long and then told me the claim that I saw online was incorrect and that they didn’t cover any of the services. I’ve lost track of what collection agency # I’m at and the current one still hasn’t mailed me a verification of debt (I disputed early September right after they sent me a collections letter).

I’m looking for advice on what I should do because it’s my first time dealing with health insurance and something like this. Should I just pay the $365 or try to negotiate for a lower bill? This has just been really frustrating dealing with all these parties who will not communicate with me in a timely manner.

TLDR: I got a bill of $365 for services I received on 8/2022 but I didn’t pay because urgent care didn’t file a claim and I thought I would get an updated bill afterwards. It is thrown into collections to collections agency where no one has sent me a verification of debt. Health insurance revised their mistake from not covering $40 of the bill to not covering the whole bill.

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