What are my options when my provider sends me a bill without submitting a claim with my med insurance, and is ignoring my repeated requests to submit the claim and send me a revised bill post-settlement? How do I prove that I do not owe the billed amount, and I do not owe them anything until they claim it through my insurance first?
Unfortunately, I did encounter something very similar with a previous provider - and I naively decided to wait and watch when their “billing desk” was busy ignoring my requests to submit the claim first - just to get to the day when they sent it to collections. Dealing with collections is another nightmare, and while it went in my favor at that time, I promptly left that provider and switched to another.
So I want to be cautious here this time, because although the “billing desk” of my provider might be a bunch of inefficient a-holes, I don’t want to deal with collections again.
Would welcome any insights ! Thanks !
They do need to prove that you owe the debt, and if they can’t, you can get the credit bureaus to remove it. There’s a big penalty if they don’t.
It’s on you to monitor it and verify, but you don’t need to prove that you don’t owe the debt.