Long story short:
Jan. 2012, had procedure, was covered under medicare....I paid copay, claim was paid out & settled by March.
(I was married in Sept. 2011, was going on husband's ins., tried to cancel medicare ins., Sept.2011, never heard anything about it when I called about cancellation forms I signed for months. By Dec. 2011, I decided just to keep medicare and not cancel, since 3 months had gone by and not cancelled yet. Had procedure Jan.2012.....May 2012, my cancellation forms (from Sept.) are processed and not only do they cancel me? They cancel me Dec,31,2011 [end of coverage year] And get all the money from all doctors, labs, hospital they already paid out, back.) By the way, tried to handle the medicare ins. problem for over a year, with no one caring about it or giving me any info.
I've been working & paying for last year & half to settle with doctors, labs, etc....just got the $6000 hospital bill, they deducted $3000 for being uninsured. I want to settle & pay....how likely will they work with me to deduct more & do payments?
Any advice? I don't want it to be a bad debt.

