Quote Quoting abbysmommy24
1. If the insurance refuses, what is the statute of limitations on medical bill collections in Utah?
If there was a written agreement to pay, which most doctors require before offering services, probably the six year period for written contracts. Perhaps longer if your absence from the state "tolls" (extends) the statute, as occurs under the laws of many states.

Quote Quoting abbysmommy24
2. What do I do if this company puts a bad report on my credit?
It's probably already there.

Quote Quoting abbysmommy24
3. Any chance I'll end up having to pay this just for the sake of my credit?
If you owe the debt, the statute of limitations hasn't run, and your insurance doesn't pay it, that's probably the only way to make it go away. You can try to negotiate a lower pay-off figure.