My question involves collection proceedings in the State of: MI
I had a minor outpatient procedure 3/2017 (I walked in and out in an hour, performed in the office setting). The physician was in-network and apparently used a mobile anesthesia group that was not in-network. I also had a secondary insurance, which apparently the anesthesia group does not participate in. I did speak with the doctor's office prior to the procedure asking what I would owe and was told it was all covered between the 2 insurances.
I received a bill 8/2018 from the anesthesia group stating I owed them $908 for the services. I did talk to them and they had excuse after excuse for not sending me a bill prior and requested that I speak with the insurance company to ask that they consider them in-network. I explained to them that even I knew insurances after a year generally do not accept claims or allow appeals, but they insisted that they had several clients that have done this. I did get a letter on 9/17/18 that indeed, it is way too late. So now because of negligence on all parties, they have sent the bill to collections after 1 billing cycle!
I have contacted the doctor's office twice with no return call and I plan on tomorrow going there to speak to them in person. I am willing to pay a portion but do not believe I should be responsible for anything higher than my deductible, which I think is more than fair ($250). Is this legal, what they are doing, by waiting to notify clients and they can no longer appeal to the insurance company?
Thank you so much for listening to me...